来源：上海证券报·中国证券网 上证报中国证券网讯（记者 韩宋辉）金融监管总局最新披露，"十四五"期间，保险业累计赔付9万亿 元，较"十三五"时期增长61.7%；农业保险为8亿户次农户提供风险保障；商业养老、健康保险积累准备 金11万亿元。 展望未来，何小伟认为，新时代保险业的高质量发展需要实现质量变革、效率变革、动力变革，特别是 要下大力气解决制约高质量发展的结构性、体制性矛盾和问题。 对外经济贸易大学保险学院副院长何小伟近日接受上证报记者采访时表示，"十四五"期间，保险业在防 范化解金融风险、实现高质量发展、服务实体经济水平都取得了显著成就。 "从普通居民的生活视角观察，无论是驾车出行、搭乘飞机、跟团旅游，还是家庭投资、养老规划、健 康护理，或者网上购物、贷款担保、抵御黑客，在众多的生活场景中，保险产品都在积极地发挥作用， 成为人们生活中不可或缺的组成部分。"他表示。 对行业自身而言，何小伟表示，过去，一些保险机构的投资者和保险从业人员对行业风险缺乏敬畏，对 合规不够重视，成为行业的"投机者""冒险者"，甚至成为行业的"破坏者"。"十四五"期间，经过持续的 制度建设与重拳治理，合规正在成为保险机构的基因，合 ...

Core Insights - The insurance industry is currently at a critical juncture for transformation and high-quality development, facing both strategic opportunities and challenges [2][3] - There is a growing demand for insurance products related to retirement, health, and long-term care, driven by changes in macroeconomic conditions, demographic structures, and technological advancements [1][2] Group 1: Industry Opportunities - The Chinese insurance market is the second largest globally, but there is still a gap in insurance depth and density compared to global averages [2] - The insurance industry is expected to evolve from a focus on risk compensation to a comprehensive management tool for quality of life and wealth management [1][4] Group 2: Consumer Demand Changes - Consumer preferences for risk management have shifted, leading to mismatches between supply and demand in the insurance sector, including issues like personalized needs versus standardized offerings [3][4] - There is a need for insurance companies to adapt to these changes by offering products and services that cover the entire lifecycle of customer needs, particularly in health, retirement, and wealth management [4] Group 3: Strategic Recommendations - The insurance industry should focus on high-quality development, enhancing compliance management, and innovating floating income products to better serve customer needs [4] - Companies are encouraged to adopt a family-centered approach to meet diverse needs in healthcare, retirement planning, and wealth preservation [4]

● 本报记者 陈露 梁涛表示，从规模上看，我国已经成为全球第二大保险市场，但是从保险深度与保险密度等来看，我国 离全球平均水平还存在差距。 此外，业内人士认为，随着经济、社会环境的变化，消费者的风险管理偏好也发生了变化，但保险业作 为服务供给侧并未针对消费者需求变化作出及时调整。益普索（中国）董事李海岚认为，目前保险业供 需两端仍存在四大错配，包括个性化需求与标准化供给错配、足额健康保障需求与低覆盖供给错配、跨 周期财富需求与短期化供给错配、多元化养老需求与弱协同供给错配。 向全面风险管理体系升级 业内人士认为，当前，消费者在选择风险保障方案时，其决策维度早已超越单一产品功能，转而聚 焦"产品+服务"的全链条体验。未来保险公司需顺应消费者需求变化，从单一的经济补偿机制向全面风 险管理体系升级。 白皮书调研结果显示，消费者需求已从标准化向个性化迭代，客户对保险公司的期待已超越保单本身， 延伸至健康、养老、财富等生活场景，保险服务供给唯有围绕不同客群构建覆盖客户家庭全生命周期的 分层体系，才能形成差异化竞争力。 "在宏观经济环境、社会人口结构、技术变革等因素共同作用下，民众在投资、储蓄、消费等方面呈现 出新特征。 ...

Core Insights - The white paper on the risk protection system for Chinese families highlights that the insurance industry in China is at a critical transformation point, transitioning from institutional-driven growth to economy-driven growth, with significant opportunities ahead as the per capita GDP is around $13,500, close to the elasticity peak of $10,000 [2][4]. Industry Overview - As of the end of 2024, China has 239 insurance institutions with total assets of 359,058 billion yuan and net assets of 33,247 billion yuan. The total insurance premium income for 2024 is projected to reach 56,963 billion yuan, with a financial return rate of 3.43% and a comprehensive return rate of 7.21% [4]. - The comprehensive solvency adequacy ratio of insurance companies is 199.4%, and the core solvency adequacy ratio is 139.1%, indicating a solid foundation for sustainable development [4]. Policy Environment - The Chinese government has introduced several policies to support the insurance industry's development, including the strategic goal of building a multi-level social security system, which creates a favorable environment for high-quality development [5]. - The recent "Opinions on Strengthening Supervision and Preventing Risks to Promote High-Quality Development of the Insurance Industry" outlines development goals for 2029 and 2035, serving as a guiding document for the next five to ten years [5]. Changing Family Risk Structure - Families in China are facing challenges such as slowing income growth, increased employment and debt risks, currency asset depreciation, and reduced investment returns, leading to a shift in risk perception [7]. - A survey indicates that modern families are increasingly concerned about health, retirement planning, children's education, wealth security, and inheritance, reflecting a strong demand for certainty and sustainability [8]. Supply-Demand Mismatch - The insurance industry has not adequately adjusted to changing consumer needs, resulting in four key mismatches: 1. Individualized needs versus standardized supply [9]. 2. Insufficient health coverage despite high demand [9]. 3. Short-term supply versus long-term wealth management needs [9]. 4. Diverse retirement needs versus weak collaborative supply [9]. Recommendations for Improvement - The white paper suggests several strategies to enhance the insurance industry's service capabilities: 1. **Precise Risk Identification**: Shift from a product-oriented approach to a family needs-oriented approach, identifying risks based on family lifecycle and wealth levels [12]. 2. **Scientific Risk Assessment**: Utilize a "Family Risk Defense Index Model" to balance adequate coverage with cost, allowing families to anticipate uncertainties [13]. 3. **Efficient Risk Solutions**: Develop a comprehensive product system that addresses the full lifecycle of family risks, including health, retirement, wealth preservation, and inheritance [14]. 4. **Long-term Risk Management**: Integrate resources to create a high-quality service ecosystem that addresses the growing demand for elderly care and health management [16].

Core Insights - The white paper titled "White Paper on the Risk Protection System for Chinese Families under the Background of High-Quality Development of the Insurance Industry" was officially released, providing guidance for the scientific allocation of insurance for Chinese families in the new era [1] - The research highlights the need for the insurance industry to adapt to changing consumer demands and improve service capabilities to meet the new risk management needs of families [7] Industry Overview - As of the end of 2024, there are 239 insurance institutions in China, with total assets of 359,058 billion and net assets of 33,247 billion [2] - The comprehensive solvency adequacy ratio of insurance companies is 199.4%, and the core solvency adequacy ratio is 139.1%, indicating a solid foundation for sustainable development [2] - The insurance industry is currently undergoing comprehensive reforms, supported by favorable policies from the government aimed at enhancing the industry's service to the real economy [2] Consumer Insights - The white paper identifies that modern families' concerns are primarily focused on five areas: healthcare, retirement planning, children's education, wealth security, and wealth inheritance [4] - 75.8% of surveyed families are most worried about health issues, while 68.2% are anxious about retirement planning [4] Supply-Demand Mismatch - The insurance industry exhibits four major mismatches in supply and demand: 1. Mismatch between personalized needs and standardized supply, with 28% of respondents indicating that insurance plans do not meet their needs [5] 2. Mismatch between sufficient health coverage needs and low coverage supply, with the median treatment cost for critical illnesses reaching 300,000, while average claims for critical illness insurance are below 100,000 [5] 3. Mismatch between long-term wealth needs and short-term supply, with 31.8% preferring 1-3 year investment plans [5] 4. Mismatch between diversified retirement needs and weak collaborative supply, with only 25 nursing beds available per 1,000 elderly people [6] Recommendations for Improvement - The white paper suggests a comprehensive approach to building a family risk protection system, emphasizing the need for personalized risk identification and a shift from product-oriented to family demand-oriented services [7] - It proposes the development of a "Family Risk Defense Index Model" to help families balance adequate coverage with cost [8] - The establishment of a comprehensive product system covering various life stages and risks is recommended, including medical insurance, commercial annuities, and wealth transfer solutions [8] - The integration of resources to create a high-quality service ecosystem is essential, focusing on proactive health management and comprehensive retirement services [9]

在良好业绩的支撑下，上半年中国人保（601319）A股股价创近6年来最高价，H股股价创上市13年来最 高价，人保财险H股股价创上市22年来的最高价。 据统计，"十四五"以来的四个完整年度里，中国人保A股、H股和人保财险H股，三只股票累计涨幅均 大幅跑赢同业，跑赢大盘。 8月28日，在中国人保召开2025年中期业绩发布会上，中国人保总裁赵鹏对此做出了回应。 赵鹏表示，股价上涨是多重因素共同作用的结果。首先，我国经济社会的高质量发展，为保险业带来了 历史性发展机遇。我国在科技革命、绿色发展、数字经济、养老保障和服务"新市民"等领域的新空间新 动能，不断催生出丰富的保险新需求，保险业服务中国式现代化建设的质效不断增强，经济减震器、社 会稳定器功能日益凸显。特别是中央金融工作会议和保险业新"国十条"，对我国保险业发展进行了系统 部署，释放了进一步推动我国保险业高质量发展的鲜明信号。资本市场对于保险业未来发展空间的积极 预期，为公司股价上涨提供了坚实基础。 其次，发展环境不断改善，有效促进保险业发展行稳致远。近年来，监管机构引导保险业回归本源，全 面提升保险保障能力和服务水平。车险综合改革、人身险预定利率动态调整机制、 ...

新华网北京9月30日电（唐滨妮）近日，我国保险业发展迎来新的顶层设计。《国务院关于加强监 管防范风险推动保险业高质量发展的若干意见》发布（以下简称《若干意见》）。《若干意见》共10 条，被业内称为保险业新"国十条"，对我国保险业未来5年到10年左右的发展进行系统部署。这是继 2006年、2014年之后，国家层面又一次对保险业发展作出的全面部署，释放了进一步推动我国保险业高 质量发展的鲜明信号。 近日，中信保诚人寿党委书记、总经理常戈接受新华网专访，阐述他对于保险业新"国十条"如何影 响行业发展，行业如何增强竞争能力、深化改革创新、服务中国式现代化建设等方面的理解。 为保险业高质量发展注入强大动力 《若干意见》在总体要求中明确了推动保险业高质量发展的指导思想、主要原则和发展目标，并提 出强监管、防风险、促高质量发展三方面重点任务和工作举措。 《若干意见》提出，到2029年，初步形成覆盖面稳步扩大、保障日益全面、服务持续改善、资产配 置稳健均衡、偿付能力充足、治理和内控健全有效的保险业高质量发展框架。保险监管制度体系更加健 全，监管能力和有效性大幅提高。到2035年，基本形成市场体系完备、产品和服务丰富多样、监管 ...

Core Viewpoint - The "2025 China Insurance Industry Ark Award" aims to recognize insurance institutions that excel in risk management, investment management, and innovation, promoting the value of insurance and its role in economic stability and social development [4][3]. Summary by Sections Award Overview - The Ark Award was initiated in 2016 by the Securities Times and has gained significant recognition in the insurance industry [3]. - The award focuses on high-quality development and service to the real economy, reflecting the industry's efforts to enhance professionalism and contribute to insurance value [7]. Industry Performance - In 2024, the insurance sector reported a total premium income of 5.7 trillion yuan, a year-on-year increase of 5.7% [5]. - Claims and benefit payments reached 2.3 trillion yuan, marking a 19.4% increase [5]. - The number of new policies issued was 1.038 billion, up 37.6% year-on-year [5]. - By the end of 2024, total assets of insurance companies approached 36 trillion yuan [5]. Future Directions - The insurance industry is positioned as an "economic shock absorber and social stabilizer," with a focus on high-quality development in line with China's modernization goals [4]. - The industry is expected to enhance asset-liability management, optimize business structures, and improve service capabilities to demonstrate its value in supporting economic and social development [4][6]. Award Evaluation Process - The evaluation process is divided into four phases: data collection, material screening, expert evaluation and online voting, and the award ceremony [10][11][12][14]. - The awards will be based on hard data indicators and scores from an expert review committee, supplemented by online voting results to ensure fairness and authority [9][13]. Award Categories - The awards are categorized into three main areas: Insurance Companies, Asset Management, and Industry Practices, with a total of 20 specific awards available [16][18][20]. - Each participating company is limited to submitting applications for up to four awards [20]. Participation Details - The application period runs from July 7, 2025, to July 18, 2025, with specific data collection dates from January 1, 2024, to March 31, 2025 [22][23].

Core Viewpoint - The "Action Plan" aims to promote at least 30 insurance innovation projects annually in Shenzhen by 2029, focusing on high-quality development in the insurance sector to better serve social welfare, the real economy, and sustainable growth [1][2]. Group 1: Development Goals - By 2029, the plan sets a target of implementing at least 30 insurance innovation projects each year, establishing a comprehensive insurance system with optimized services and governance [2]. - By 2035, the goal is to create recognizable insurance innovation achievements in Shenzhen, forming a competitive insurance market with a complete system and diverse products [2]. Group 2: Policy Implementation Characteristics - The plan aligns closely with national policies, detailing actionable measures tailored to Shenzhen's context [3]. - It emphasizes tangible outcomes by specifying at least 30 annual innovation projects and has already identified 39 key projects for 2025 [3]. - The plan promotes collaboration between industry and financial regulatory departments to ensure cohesive policy execution [3]. Group 3: Key Focus Areas - The plan outlines four main areas of focus: 1. Enhancing insurance services for public welfare, including improving disaster insurance systems and expanding coverage for specific groups [4]. 2. Improving insurance services for the real economy, such as developing technology insurance and supporting green insurance initiatives [4]. 3. Deepening reforms and opening up the insurance sector, including supporting international expansion and enhancing cooperation with Hong Kong insurance institutions [4]. 4. Strengthening policy coordination to enhance the sustainability of the insurance industry, focusing on digital transformation and financial literacy [5]. Group 4: Overall Impact - The release of the "Action Plan" provides a clear roadmap for the high-quality development of Shenzhen's insurance industry, positioning it to play a more active role in supporting national strategies and social welfare [5].

Core Viewpoint - The Shenzhen Municipal Financial Management Bureau and Shenzhen Financial Regulatory Bureau have jointly issued an action plan to promote high-quality development in the insurance industry, focusing on four key areas: serving public welfare, supporting the real economy, deepening reform and opening up, and enhancing sustainable development capabilities [1][2]. Group 1: Development Goals - The action plan sets a target for the insurance industry in Shenzhen to implement and promote at least 30 innovative insurance projects annually by 2029, aiming to establish a high-quality development framework [1]. - By 2035, the goal is to create a number of recognizable insurance innovation achievements from Shenzhen, forming a new insurance industry landscape with a complete market system and strong international competitiveness [1]. Group 2: Enhancing Public Welfare - The plan emphasizes improving the insurance industry's service level for public welfare, including enhancing the catastrophe insurance system and developing third-pillar pension insurance [1][2]. - It aims to optimize health insurance services and expand inclusive insurance coverage for specific groups and new citizens [1]. Group 3: Supporting the Real Economy - The action plan focuses on enhancing the quality and efficiency of insurance services for the real economy, including the development of technology insurance and support for strategic emerging industries [2]. - Notable initiatives include the implementation of the "cross-border e-commerce insurance" and "low-altitude weather insurance" in Shenzhen, showcasing innovative insurance products [2][3]. Group 4: Reform and Opening Up - The plan includes measures to deepen reform and opening up in the insurance industry, such as supporting the overseas expansion of property insurance companies and optimizing new energy vehicle insurance supply [2][3]. - It also emphasizes strengthening cooperation between the insurance sectors of Shenzhen and Hong Kong, supporting collaboration within the Guangdong-Hong Kong-Macao Greater Bay Area [2]. Group 5: Sustainable Development - The action plan aims to enhance the sustainable development capabilities of the insurance industry by improving digital transformation and increasing financial literacy among residents [3]. - It encourages collaboration between insurance institutions and various industries to promote innovation and service improvement [3].