专访锁凌燕：老龄化加速，及早推动商业保险供给侧改革

Core Viewpoint - The insurance industry is positioned to play a crucial role in enhancing pension finance and addressing the challenges posed by an aging population during the "14th Five-Year Plan" period, with a focus on collaborative efforts across the "three pillars" of pension finance [1][5]. Group 1: Pension Finance and Insurance Industry - In 2026, pension finance will become a core focus for the insurance industry, with policies and market forces working together to deepen the collaboration of the "three pillars" [1]. - The insurance sector is expected to fill gaps in basic social security through inclusive products and ecosystem services, while addressing longevity risks and capital preservation pressures with annuity schemes [1][5]. - The insurance industry must innovate product and service models to meet the diverse needs arising from aging and declining birth rates, focusing on lifelong annuity plans and comprehensive risk management solutions [5][6]. Group 2: Role of Insurance Funds - The value of insurance funds as "patient capital" will become more prominent, transitioning from "simple investors" to "professional practitioners" through enhanced long-term assessment mechanisms and in-depth industry research [2]. - The industry will leverage technology and ecosystem restructuring to address supply-demand mismatches, with AI applications expanding from single-point use to comprehensive product design and risk management [2][13]. - The insurance sector is encouraged to actively participate in the operation of basic pension funds and develop supplementary insurance products to strengthen the multi-tiered pension security system [7]. Group 3: Technological Integration and Innovation - The insurance industry faces challenges in balancing personalized consumer demands with standardized products, necessitating fundamental reforms in product design and service ecosystems [11]. - Advanced technologies like big data and AI can help the insurance sector better understand customer needs and optimize risk management, leading to more personalized services [12][13]. - The integration of AI in the insurance industry should be approached with caution, allowing for a trial-and-error space to address potential issues while fostering innovation [13][14].