创新普惠金融实践 平安产险打造沙县小吃产业升级“风险屏障”

Group 1 - The core initiative is the "Snack Insurance" program, which aims to provide comprehensive insurance solutions to address various risks faced by snack shop owners in China [1][3]. - As of the end of 2024, there are over 88,000 snack shops nationwide, generating an annual revenue exceeding 55 billion yuan and creating employment for over 300,000 people [3]. - The insurance solution covers three main risk areas: property loss (e.g., fire, explosion), public liability (e.g., customer injuries), and employee accidents (e.g., injuries while working) [3][4]. Group 2 - The "Snack Insurance" program is a response to the financial empowerment of the snack industry, aiming to support the industry's goals of standardization, chain development, industrialization, internationalization, and digitization [4]. - The program represents a collaboration between the snack industry association and financial institutions, establishing a precedent for cooperative governance in risk management [4]. - The company plans to offer additional services such as safety training and risk assessment to reduce accident rates and support the sustainable prosperity of the snack industry [4][6]. Group 3 - The "Snack Insurance" is part of a broader initiative by the company to implement inclusive finance and support local industries, following similar products like "Fishing Worker Insurance" and "Tea Picking Insurance" [6]. - The company aims to leverage technology, such as big data and the Internet of Things, to integrate insurance services into local industry management processes, shifting from passive claims to proactive interventions [6]. - A collaborative mechanism involving data sharing and model building will be established with local governments and industry associations to promote a replicable and scalable risk management model for local economic development [6].