在国务院新闻办9月22日举行的新闻发布会上，国家金融监督管理总局局长李云泽表示，我国第二大保 险市场地位更加稳固，保险业累计赔付9万亿元，较"十三五"时期增长61.7%。来自金融监管总局的数据 显示，截至2025年二季度末，保险公司和保险资产管理公司总资产39.2万亿元，较年初增加3.3万亿元， 增长9.2%。我国保险业在保障和改善民生、防灾减损、服务实体经济等方面发挥着越来越重要的作 用。 筑牢民生保障底线 城乡居民大病保险是对大病患者发生的高额医疗费用给予进一步保障的制度性安排。大病保险由政府负 责基本政策制定、组织协调、筹资管理，并加强监管指导。商业保险机构则发挥专业优势承办大病保险 项目，通过市场机制作用，提高大病保险的运行效率、服务水平和质量。 2021年，原中国银保监会印发《保险公司城乡居民大病保险业务管理办法》，规范保险公司经营行为， 维护参保群众合法权益。在此基础上，监管部门对经办大病保险的商业保险公司进行动态调整，严格新 增承办主体，同时加强现场检查力度，及时将不符合条件的公司移除出名单，推动大病保险制度平稳有 序运行。来自金融监管总局的数据显示，目前我国大病保险已服务12.2亿城乡居民。 ...

Core Viewpoint - The article highlights the impact of Typhoon "Haikashan" on the insurance industry in China, emphasizing the swift response of insurance companies and the importance of catastrophe insurance in mitigating financial losses from natural disasters [1][2][4]. Group 1: Typhoon Impact and Response - Typhoon "Haikashan" made landfall in Guangdong on September 24, 2023, with maximum wind speeds of 40 m/s, potentially becoming the strongest typhoon of the year [1]. - The financial regulatory authority issued a notification to enhance monitoring, preparedness, and claims processing in response to the typhoon [1][2]. - By September 25, insurance companies in Guangdong had received 11,400 claims with estimated losses of 229 million yuan, and had paid out 21.26 million yuan in claims [1]. Group 2: Insurance Industry Actions - Insurance companies activated emergency response mechanisms, mobilizing resources for claims, underwriting, and customer service to effectively manage the disaster [2]. - The notification emphasized the need for risk assessment, resource allocation, and internal collaboration among insurance firms to enhance disaster response capabilities [2]. - Companies like China Pacific Insurance and China Life Insurance implemented rapid claims processes, achieving quick payouts even before the typhoon made landfall [3]. Group 3: Catastrophe Insurance Development - China has been developing catastrophe insurance as a crucial part of its emergency management system, with pilot programs launched in various regions since 2014 [4]. - The average annual growth rate of catastrophe insurance premiums has exceeded 40% from 2014 to 2023, with total premiums reaching 1 billion yuan [4]. - The recent typhoon triggered catastrophe index insurance in Zhanjiang, resulting in a quick payout of 10.2 million yuan within 24 hours [5]. Group 4: Challenges and Recommendations - The insurance industry faces challenges such as low coverage levels, inadequate market mechanisms, and insufficient product innovation, with payouts covering only about 10% of disaster losses [6]. - Recommendations include enhancing top-level design, innovating risk dispersion mechanisms, and strengthening data support for better risk assessment [6]. - Increased awareness and education on natural disaster risks among individuals and small businesses are necessary to improve insurance penetration rates [7].

Core Viewpoint - PICC launched the "PICC China Earthquake Casualty Catastrophe Model" to enhance public safety governance and support the development of catastrophe insurance in China [1][2] Group 1: Model Development and Features - The model is based on China's actual earthquake characteristics and integrates cutting-edge geological and seismic disaster research [2] - It employs various casualty algorithms to analyze key factors affecting casualty scale and follows international catastrophe model standards [1][2] - The model can be utilized in insurance pricing, loss assessment, and risk aggregation analysis, providing significant support in multiple insurance operations [2] Group 2: Application and Future Plans - The model generates earthquake disaster risk maps overlaid with population density, allowing for visual representation of potential losses [2] - The company plans to continuously integrate the latest geological and demographic data into the model for iterative upgrades [2] - There is a commitment to enhance disaster risk management capabilities and contribute to the construction of China's catastrophe insurance mechanism [2]

Core Insights - The insurance industry is actively enhancing its resilience and risk management capabilities in response to increasing extreme weather events due to global climate change [1][2][5] Group 1: Industry Response to Catastrophic Risks - Listed insurance companies are leveraging digital and intelligent technologies throughout the entire process of disaster risk reduction, shifting from "passive acceptance" of losses to "proactive reduction" [2] - China Pacific Insurance has developed various types of catastrophe insurance, providing risk coverage exceeding 600 billion yuan in the first half of 2025 [4] - China Reinsurance is enhancing its catastrophe risk protection and climate risk response capabilities, participating in pilot projects across 21 provinces and cities [6] Group 2: Risk Reduction Initiatives - China Life Insurance reported a net loss of 2.51 billion yuan due to major disasters in the first half of 2025, a decrease of 38.3% year-on-year, with disaster impact on the comprehensive claims ratio at 1 percentage point [2][3] - The company has implemented a risk reduction service platform, "Wanxiang Cloud," achieving full-process digital upgrades and enhancing collaboration with the China Meteorological Administration [2] - China Pacific Insurance is continuously improving its agricultural insurance disaster response mechanism, reaching 206,000 farming households with risk reduction services [4] Group 3: Reinsurance Mechanisms - The insurance industry is optimizing reinsurance mechanisms to enhance financial resilience against catastrophic risks, implementing a "proportional + excess" catastrophe protection system [5][6] - China Reinsurance has adjusted its reinsurance contract structures to focus on catastrophe risk pain points, increasing the reinsurance ratio for various contracts [6] - The overall reinsurance market is experiencing fluctuations in renewal rates, with some business lines maintaining upward pressure on rates despite increased losses from global catastrophic events [7]

Core Insights - The report titled "2025-2031 China Catastrophe Insurance Industry Market Competition Landscape and Investment Potential Assessment" provides a comprehensive analysis of the catastrophe insurance industry in China, covering market development environment, operational status, competitive landscape, key enterprise performance, and future trends and investment forecasts [1] Group 1: Industry Overview - The report consists of twelve chapters, starting with an introduction to the catastrophe insurance industry and its overall operational status [1] - It includes a detailed analysis of the current state of the catastrophe insurance market and its competitive structure [1] Group 2: Global Development Analysis (2020-2024) - The report discusses the global catastrophe insurance industry's development from 2020 to 2024, including the types, principles, and functions of catastrophe insurance [3] - It provides insights into the global natural disaster trends and losses during this period, as well as the operational status of the global catastrophe insurance market [3] Group 3: China Development Analysis (2020-2024) - The report analyzes the development of the catastrophe insurance industry in China, identifying existing problems and providing suggestions for improvement [4] - It examines the economic performance of the catastrophe insurance sector, including underwriting and claims analysis [4] Group 4: Market Analysis (2020-2024) - The report evaluates the market development of catastrophe insurance in China, including regulatory conditions and intermediary development [4] - It also analyzes market equilibrium, demand, supply, and product coverage levels [4] Group 5: Competitive Landscape (2020-2024) - The report outlines the competitive landscape of the catastrophe insurance industry in China, including structural analysis and competitive strategies of key enterprises [6] - It features a SWOT analysis of major companies in the industry, such as China People's Insurance Company, China Pacific Insurance Company, and Ping An Insurance Company [7][9] Group 6: Future Trends and Investment Forecast (2025-2031) - The report forecasts the development trends of the catastrophe insurance industry in China from 2025 to 2031, including market demand and pricing trends [8] - It assesses the investment environment and potential returns in the catastrophe insurance sector for the upcoming years [8]

Core Viewpoint - The article highlights the significant role of the Miyun Reservoir in flood control during recent heavy rainfall in North China, showcasing its historical record inflow and storage capacity, while preparing for potential future rainfall events [1][3][5]. Group 1: Flood Control and Reservoir Management - The Miyun Reservoir experienced its highest inflow since its establishment in 1959, with a peak flow of 6,550 cubic meters per second, surpassing the previous record of 3,670 cubic meters per second [1][3]. - From July 23 to July 29, the reservoir accumulated 810 million cubic meters of water, while releasing 180 million cubic meters, resulting in a storage level of 36.24 billion cubic meters, exceeding the flood limit level by 3.56 meters [3][5]. - The reservoir began controlled releases on July 27, managing a discharge rate of 500 cubic meters per second, which was later adjusted based on upstream water conditions [3][4]. Group 2: Impact on Downstream Areas - The maximum flow in the Chaobai River reached 1,120 cubic meters per second on July 28, marking the highest flow since the reservoir's construction [6]. - The Tianjin Water Authority implemented measures to manage flood risks, including the operation of key water control facilities and monitoring river conditions to ensure safety during the flood [7][8]. Group 3: Insurance and Risk Management - The article discusses the importance of disaster insurance, particularly vehicle and agricultural insurance, in mitigating losses from flooding, emphasizing the need for consumers to understand their coverage [9][10]. - The establishment of a comprehensive disaster insurance system is highlighted, with ongoing pilot programs in various provinces aimed at enhancing disaster risk management and insurance coverage [11].

Group 1 - The recent rare heavy rainfall in northern regions has increased the pressure on urban flood prevention and disaster reduction, highlighting the urgency of building a resilient disaster prevention system [1] - A multi-faceted approach is necessary to address the long-term challenges of climate change, with infrastructure renovation as the first line of defense [1] - Upgrading urban drainage standards and renovating old drainage networks are essential to enhance drainage capacity and mitigate urban flooding issues [1] Group 2 - Strengthening river embankments and conducting regular inspections and maintenance are crucial to prevent dam breaches [1] - The construction of sponge cities through increased green spaces and permeable pavements can enhance rainwater absorption, storage, and release capabilities [1] - Establishing a comprehensive emergency material reserve network is vital to ensure sufficient and diverse supplies of food, medicine, and rescue equipment [1] Group 3 - Promoting disaster insurance is an effective means to disperse risks and alleviate the pressure on disaster-affected individuals [1] - Enhancing public disaster awareness through community drills, media campaigns, and school education is a key component of the resilience system [1] - Systematic thinking and bottom-line thinking must be integrated into urban planning, infrastructure construction, and daily management to create a precise, efficient, and orderly disaster prevention and reduction framework [2]

Core Viewpoint - The insurance industry plays a crucial role in climate risk response and disaster reduction, emphasizing the importance of innovative products and services to enhance societal disaster resilience, as highlighted by China Pacific Insurance's chairman [1] Group 1: Climate Risk Response - China Pacific Insurance has prioritized climate risk response by continuously promoting the construction of a climate risk response system and innovating catastrophe insurance products to support economic and social resilience against climate change [1][3] - The average annual economic loss from climate-related natural disasters globally has exceeded $300 billion over the past three years, indicating a rising trend and the urgent need for countries to address climate change [1] Group 2: Innovative Catastrophe Insurance - The company is a major player in catastrophe insurance in China, participating in various national and local catastrophe insurance projects, including creating climate disaster risk maps and providing effective meteorological monitoring and warning services [2] - China Pacific Insurance has launched the "Anhui Bao" county-level catastrophe index insurance, utilizing specialized catastrophe models and meteorological data to offer refined index risk protection [2] Group 3: Technology Empowerment - The company has developed a comprehensive risk reduction solution covering the entire process from prevention to compensation, including the "Risk Radar" intelligent risk control platform, which serves nearly 600,000 enterprise clients with targeted meteorological warnings [2] - The company has formed a professional risk engineering team of over 2,000 members to enhance risk prevention services for major clients, achieving significant loss reduction effects, with over 500 million yuan in loss reduction specifically from typhoons [2] Group 4: Climate Risk Research - China Pacific Insurance has established extensive collaborations with domestic and international research institutions, reinsurers, brokers, universities, and meteorological departments to share research results and data resources for climate risk research [3] - In 2024, the company plans to introduce cutting-edge research on medium- to long-term climate scenarios and optimize catastrophe assessment models to improve quantitative management capabilities against climate risks [3]

Core Viewpoint - The insurance industry in China faces significant challenges due to extreme weather events, with a notable gap in coverage and demand for climate insurance products [1][5][6] Group 1: Climate Insurance Development - China's climate insurance system has made progress but still lags behind, with a need for tailored products based on regional conditions [1][2] - Various regions are implementing climate insurance mechanisms, with Sichuan leading in catastrophe insurance trials, covering over 13 million households and providing risk protection exceeding 350 billion [2][3] - The insurance coverage is expanding from single disaster types to multiple causes, including typhoons, floods, and landslides, with comprehensive pilot programs launched in Hebei and Hubei [2][3] Group 2: Insurance Coverage and Gaps - The insurance compensation rate in China is only about 10%, significantly lower than the global average, indicating a substantial protection gap [5][6] - Direct economic losses from climate disasters are rising, but insurance compensation remains disproportionately low, with examples like the Wenchuan earthquake and Henan floods showing minimal coverage [6][5] - The complexity of insurance products and low public awareness contribute to the low penetration of insurance among residents [6][5] Group 3: Collaborative Efforts and Innovations - The insurance industry is increasingly collaborating with local governments to enhance climate insurance uptake and coverage [9][10] - Technological advancements, including drones and AI, are being utilized to improve risk assessment and management capabilities [9][10] - China Pacific Insurance is focusing on a comprehensive approach to disaster risk management, integrating prevention, response, and recovery strategies [9][10]

Group 1 - The 20th China Western International Expo was inaugurated in Chengdu, with China Pacific Insurance (CPIC) showcasing its commitment to public service through its insurance offerings [1] - CPIC provided comprehensive insurance services for the expo, including public liability insurance for the organizers and safety production liability insurance for exhibitors, as well as personal accident insurance for nearly 200 volunteers [1] - A dedicated risk management team was established by CPIC to ensure safety throughout the expo, integrating with the event's safety management system and providing risk services from setup to dismantling [1] Group 2 - CPIC is actively responding to the national innovation-driven strategy by building a specialized technology insurance service system, with technology insurance coverage exceeding 110 trillion yuan and technology investments surpassing 100 billion yuan [2] - The company is implementing a "dual carbon" strategy and has created multiple green insurance products, while also engaging in green public welfare initiatives [2] - CPIC has launched the "Taibao Home" project in 13 cities and 15 parks, focusing on elderly care, and has provided health insurance coverage for over 200 million people [2] Group 3 - CPIC hosted a seminar on climate insurance during the expo, emphasizing the importance of risk reduction in promoting high-quality development of climate insurance [3] - The company showcased its role as a property insurance service provider at the expo, highlighting its commitment to national strategies and improving quality of life [3]