北京人寿总经理王修文：商业模式不能盲目定，要适合自己的才好

Core Insights - The "2025 China Insurance Summit Forum" was held on December 17, focusing on the theme "'14th Five-Year Plan' Launch: Charting the Insurance Blueprint" [1][5] - The forum gathered nearly a hundred representatives from the "Top 108 in Chinese Insurance," along with experts and executives, to discuss high-quality development paths for the insurance industry during the "14th Five-Year Plan" period [1][5] Group 1: Industry Challenges and Opportunities - The life insurance sector is currently facing pressures such as product homogenization and the need for cost reduction and efficiency improvement [3][7] - Despite these challenges, the overall outlook for the life insurance industry is optimistic, with opportunities outweighing challenges [3][7] - Key growth areas identified include health insurance, particularly critical illness insurance with potential for dividends and the development of long-term care insurance [3][7] Group 2: Strategic Recommendations - The industry is encouraged to seize new opportunities presented by initiatives like "Healthy China," "Silver Economy," and "Integrated Reporting" [3][7] - Innovation is emphasized as crucial for breaking through current challenges, with a focus on enhancing products, services, and technology to improve quality and efficiency [3][7] - Sustainable business models should align with the company's inherent strengths, avoiding strategies that do not match the company's capabilities [3][7]