财富风险意识增加！近万个家庭最新调研

Core Insights - The white paper indicates a shift in family risk awareness, with a decline in traditional survival risk anxiety and a notable increase in wealth risk perception [1][2] - Families are moving beyond the traditional insurance compensation function to seek comprehensive solutions that include "products + services," reflecting a demand for professional services, smart decision-making, and personalized tools [1][7] Evolution of Family Protection Needs - The research conducted by Great Wall Life Insurance, Peking University, and Ipsos China reveals that while health, retirement, and accidental risks remain the top concerns, their attention has decreased compared to previous years. Conversely, awareness of wealth security and management risks has significantly increased, particularly regarding unemployment and wealth depreciation [2][5] - The study highlights that modern families' worries are concentrated in five key areas: healthcare, retirement planning, children's education, wealth security, and wealth inheritance, with 75.8% of families most concerned about health issues [5] Supply-Demand Mismatch - The white paper identifies four major mismatches between supply and demand in the insurance industry: 1. Mismatch between personalized demand and standardized supply, with 28% of respondents indicating that insurance plans do not meet their needs [8] 2. Mismatch between sufficient health coverage demand and low coverage supply, as the median cost of critical illness treatment is 300,000 yuan, while the average payout for critical illness insurance is below 100,000 yuan [8] 3. Mismatch between long-term wealth management needs and short-term supply, with 31.8% preferring 1-3 year investment plans and 30.9% preferring 3-5 years [8] 4. Mismatch between diversified retirement needs and weak collaborative supply, with only 25 nursing beds available per 1,000 elderly people, highlighting the need for integrated solutions [9] Strategic Opportunities for the Insurance Industry - The core finding from the research group suggests that the Chinese insurance industry is at a critical transformation point, transitioning from institutional-driven growth to economy-driven growth, with significant opportunities for expansion as the per capita GDP approaches 13,500 USD [10] - The white paper emphasizes that the ability of families to manage risks is crucial for social stability and that the insurance industry is evolving from a focus on risk compensation to comprehensive management tools for quality of life and wealth management [10] Recommendations for the Insurance Industry - The research group proposes several pathways for the insurance industry to adapt to family risk management needs: 1. Shift from a "single product-oriented" approach to a "family demand-oriented" approach to identify risk priorities at different life stages [11] 2. Implement scientific risk assessment and quantification tools to balance adequate coverage with cost [11] 3. Develop a comprehensive product system that aligns with customer needs throughout their life cycle [11] 4. Focus on long-term risk management by integrating resources to create a high-quality service ecosystem [11]