锚定战略方向 推动保险业“十五五”开好局、起好步

Core Viewpoint - The insurance industry is undergoing a significant transformation from scale expansion to value creation, with a focus on aligning with national strategic directions as outlined in the Central Economic Work Conference [1][2]. Group 1: Strategic Direction - The insurance industry must accurately anchor its strategic position to effectively support key areas such as domestic demand expansion, technological innovation, and small and medium enterprises, moving away from a performance-centric mindset [2]. - The industry is called to develop specialized products in technology insurance and green responsibility insurance, responding to the need for sustainable development and innovation [2]. Group 2: Reform and Innovation - Deepening reform and innovation is essential for the insurance industry to overcome challenges such as product homogeneity and inadequate service experiences, necessitating a shift from low-level competition to high-quality development [3]. - The industry should leverage artificial intelligence across all processes, from product design to risk monitoring, and optimize health insurance products to meet personalized needs [3]. Group 3: Risk Management - Strengthening risk management is crucial for the insurance industry to adapt to new risk scenarios emerging from economic and social transformations, requiring robust internal governance and a multi-layered risk-sharing system [4]. - The industry must implement technology-driven risk reduction services and maintain compliance to ensure market stability and protect consumer interests [4].