风险减量应成保险业攻坚方向

Core Insights - The insurance industry in China has made significant progress in risk reduction since 2025, leveraging new technologies such as IoT and AI to enhance risk management capabilities [1][3] Group 1: Risk Management Enhancements - The ability to identify risks has improved significantly, utilizing AI-integrated remote sensing technology for large-scale monitoring, which aids in precise agricultural insurance underwriting and claims [1] - Insurance companies are extending risk management to key sectors like energy and electricity, proactively identifying and mitigating risks at the source [1] - A multi-layered collaborative system is being established, connecting insurance companies with government agencies, technical institutions, and rescue forces to enhance disaster response and risk management [1] Group 2: Challenges in Risk Reduction - The industry faces challenges such as the lack of unified standards for risk reduction, which hampers collaboration and efficiency due to data barriers [2] - Building the necessary capabilities for risk reduction services is difficult and costly, leading to a dilemma between insufficient investment and high operational costs [2] - There is a challenge in establishing consumer trust and a clear business model for risk reduction services, as the focus is shifting from compensation to prevention [2] Group 3: Evolving Expectations and Industry Response - The increasing interconnectedness of the economy has led to new and unpredictable risks, necessitating proactive risk reduction to avoid pricing and underwriting challenges [3] - The consequences of risks have intensified due to socio-economic developments, highlighting the need for the insurance industry to shift from reactive compensation to proactive risk management [3] - The modern emphasis on human safety and quality of life is pushing the insurance industry to enhance its role in risk prevention and management [3] Group 4: Long-term Vision - In the long run, risk reduction is essential for transforming the insurance industry from a "cost center" to a "value creation center," enabling it to act as a stabilizing force in society [4][5]