锁凌燕：风险减量应成保险业攻坚方向

Core Viewpoint - 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 and promote proactive risk mitigation [1][3]. Group 1: Achievements in Risk Management - The ability to identify risks has significantly improved through the integration of AI and smart remote sensing technologies, enabling precise monitoring of agricultural conditions and enhancing the efficiency of insurance underwriting and claims [1]. - Insurance companies are extending risk management practices along the industrial chain, proactively identifying and mitigating risks in key sectors such as energy and electricity [1]. - A multi-layered collaborative system is being established, connecting insurance companies with government agencies, technical institutions, and rescue forces to create a "risk co-governance ecosystem" [1]. Group 2: Challenges in Risk Reduction - The industry faces challenges related to standards, as the lack of unified industry standards hampers collaboration and efficiency in risk identification and service quality assessment [2]. - There are difficulties in building the necessary capabilities for risk reduction services, which are not part of traditional insurance business, leading to high costs and a dilemma between investment and capability [2]. - The insurance sector struggles with the perception of risk reduction services as mere marketing gimmicks, and there is a lack of a mature system to measure and monetize the value of preventive services [2]. Group 3: Trends Driving Risk Reduction - The increasing interconnectedness of the economy has led to the emergence of new risks, necessitating proactive risk reduction to avoid pricing difficulties and low-level development [3]. - The consequences of risks have intensified due to socio-economic development, with events like regional floods potentially causing compounded disasters beyond mere property damage [3]. - The modern emphasis on human life and health has shifted the insurance industry's focus from merely compensating losses to ensuring safety and well-being [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 an economic stabilizer and a foundation for resilient societies [4][5].