险企“瘦身” 撤销分支机构 加速数字化转型

Core Viewpoint - The insurance industry is undergoing a "downsizing" trend, with numerous branch offices being closed as companies accelerate their digital transformation efforts to reduce operational costs and optimize resource allocation [1][2][3]. Group 1: Downsizing Actions - As of January 9, 2026, regulatory approvals have been granted for the closure of over 40 branch offices across approximately 10 insurance companies, including China Life, PICC Property and Casualty, and Dadi Insurance [1]. - The majority of the closed branches are marketing service departments and sub-branches, accounting for over 90% of the total closures [1]. - Since 2021, an average of over a thousand branch offices have been closed each year, indicating a trend towards downsizing in the insurance sector [2]. Group 2: Digital Transformation - The shift towards online insurance purchasing is becoming a significant trend, driven by advancements in technology such as the internet, big data, and artificial intelligence [3]. - The closure of traditional, high-cost physical branches is a key measure for insurance companies to reduce costs and improve efficiency [3]. - The increasing competition and regulatory policies have made the traditional model of expanding through physical branches unsustainable, prompting companies to adopt a more refined and digital management approach [3]. Group 3: Service Quality Concerns - The closure of branch offices raises concerns about service accessibility, particularly for consumers who may lack digital skills, such as the elderly population [4][5]. - The "digital divide" poses challenges for certain demographics, especially older individuals in rural areas who may struggle to access insurance services without physical branches [5]. - Recommendations include enhancing agent services, deploying self-service machines, and optimizing telephone support to ensure that all consumers, including those less familiar with digital technology, can access quality insurance services [5].