燕梳研究院2026年新年献词 | 以初心铸底气 以创新赴新程

Core Insights - The insurance industry is transitioning from a focus on scale to prioritizing quality, emphasizing the importance of serving the real economy and navigating regulatory changes [2] - Regulatory measures have strengthened the industry's foundation, with dynamic adjustments to preset interest rates and a focus on risk protection, leading to a more resilient sector [2] - The industry has seen significant growth in profitability and innovation, with major insurance companies reporting a 33.5% increase in net profits and the emergence of new insurance products supporting green initiatives and pension plans [3][4] Regulatory Developments - The introduction of a dynamic interest rate adjustment mechanism and three rounds of scientific standardization have helped the industry return to its core risk protection focus, moving away from reliance on interest spreads [2] - The non-auto insurance sector has seen a shift towards compliance and efficiency, with 47.4% of the property insurance market moving away from high costs and low rates [2] - Regulatory innovations have activated new growth drivers, ensuring a safer and more vibrant industry environment [2] Market Performance - The top five listed insurance companies reported a 33.5% increase in net profits for the first three quarters, indicating a significant improvement in industry profitability [3] - Green insurance premiums have surpassed 300 billion, supporting the dual carbon goals, with new energy vehicle insurance and green building insurance leading the growth [3] - The number of personal pension insurance products has expanded to 463, with a doubling in the number of commercial pension accounts, enhancing the pension financial ecosystem [3] Innovation and Expansion - The commercial space insurance consortium has launched, with 20 institutions collaborating to support space exploration [4] - The introduction of smart driving insurance has broken traditional car insurance limitations, with a single policy offering coverage of 60 billion [4] - Technology insurance premiums have increased by 30% year-on-year, providing support for thousands of tech enterprises [4] Industry Outlook - The year 2026 is seen as a critical year for the insurance industry, focusing on deepening transformation and enhancing quality and efficiency [5] - Continued policy benefits and technological integration are expected to empower sectors like pension finance, green insurance, and technology insurance, with new opportunities in cross-border and smart driving insurance [5] - The industry aims to position itself as a stabilizer for livelihoods, a booster for development, and a safe harbor for risk prevention [5]