《保险理论与实践》2026年第2辑目录

Group 1: Life Insurance Product Design and Sales - The Chinese life insurance market is transitioning to the "second policy" stage, where most families have already purchased their first life insurance policy [1] - There is a disconnect between insurance product offerings and consumer demand, necessitating targeted product solutions [1] - The article categorizes insurance needs into five main areas: health and medical protection, death and disability protection, retirement and pension protection, children's education funding, and wealth management [1] Group 2: Canadian Pension System Insights - The evolution of Canada's pension system over 150 years is reviewed, focusing on the collaboration between the third pillar (RRSP and TFSA) and the second pillar (RPP) [2] - The study highlights the use of Pension Adjustments (PA) to integrate the second and third pillars and balance longevity risk through neutral actuarial withdrawal rules [2] - Recommendations for China's multi-tiered pension system include lowering entry barriers for the second pillar, enhancing incentives, and establishing a cross-pillar coordination mechanism [2] Group 3: Japan's Palliative Care System - Japan has developed a mature palliative care system supported by universal health insurance and long-term care insurance, serving as a model for other countries [3] - Key elements of Japan's system include comprehensive legal protections, a wide service network, and a focus on scientific admission standards and diverse funding sources [3] - Policy suggestions for China include improving long-term care insurance, optimizing funding mechanisms, and enhancing legal frameworks to support palliative care [3] Group 4: Nursing Robots in Japan - Japan has invested significantly in the development and application of nursing robots to address labor shortages in care services [4] - The article discusses the evolution of Japan's nursing robot strategy, emphasizing task-driven development and human-robot collaboration [4] - A multi-layered promotion mechanism centered around care insurance is highlighted as a key to successful implementation [4] Group 5: Medical Data Mining in Insurance - The article discusses the challenges of utilizing medical data in insurance due to its heterogeneous and fragmented nature [5] - Knowledge graphs are proposed as a solution to enhance the application of medical data in insurance, demonstrating significant advantages in value extraction and operational efficiency [5] - The study emphasizes the importance of integrating internal and external data sources to build a comprehensive medical knowledge base [5] Group 6: Agricultural Insurance Compliance Issues - Agricultural insurance in China has faced compliance challenges over its 44-year history, with violations occurring in various operational aspects [6] - The article identifies compliance issues related to solvency, corporate governance, and market behavior, particularly in underwriting and claims management [6] - Recommendations include revising agricultural insurance regulations and enhancing data infrastructure to address compliance difficulties [6] Group 7: Evolution of Agricultural Insurance Functions - The concept of "Big Insurance" signifies a shift in China's insurance system from a market tool to a pillar of national governance [7] - The study introduces a framework analyzing the embedding of insurance in social security, resource allocation, and digital governance [7] - Suggestions for overcoming institutional friction include improving legal authorizations and enhancing digital infrastructure [7] Group 8: Asset-Liability Management Regulations - The National Financial Regulatory Administration has proposed new asset-liability management regulations for insurance companies, introducing strict compliance requirements [9] - The regulations impose mandatory constraints on the matching of asset and liability durations, affecting companies with mismatched effective durations [9] - The regulations also require profitability for all property insurance companies and similar expectations for life insurance companies, increasing pressure on loss-making firms [9] Group 9: Technology Resource Sharing in Insurance Groups - The article addresses the management issues related to technology resource sharing within insurance groups, highlighting the lack of specific regulations [10] - Problems identified include pricing models, cost-sharing rules, and compliance risks associated with these transactions [10] - Recommendations include improving cost accounting and establishing a more market-oriented pricing model for resource sharing transactions [10]