中国社科院保险与经济发展研究中心主任郭金龙表示，当前，保险业在强化保障功能方面仍存在一 些问题。一方面，保险保障覆盖不均衡，对新业态从业者的保障不足，对前沿领域和细分领域保障滞 后；另一方面，保险产品设计同质化严重，保障深度不够。 郭金龙对强化保险功能提出四点建议。第一，不断扩大覆盖面，尤其是对于空白领域以及弱势群体 加强保障；第二，优化产品供给，重点关注慢病管理领域的产品创新；第三，升级服务体系，推动风险 减量相关政策落地执行；第四，深化生态协同，构建多方联动保障格局，加强各部门、各主体间的合 作，助力普惠保险发展。 "保障是保险最基本的功能，是市场经济条件下补偿损失、风险管理最基本的手段。"原中国保监会 副主席魏迎宁表示，随着长寿时代到来，寿险保障已从传统死亡保障延伸至生老病死全生命周期，个人 养老金、长期护理保险等成为重点方向。商业保险的核心定位是"补充保障"，可以在养老、高端医疗、 专业护理等领域精准发力。 在近日举办的"强化保险保障功能与行业高质量发展"研讨会上，与会人士围绕如何强化保险保障核 心功能、高质量服务国计民生展开深入探讨。 魏迎宁认为，寿险业要向"新寿险"转型，创新产品与服务链接，"寿险 ...

Core Viewpoint - The insurance sector has seen a rebound in stock prices and premium growth, but future growth drivers remain uncertain as the industry shifts focus towards risk management and long-term stability [1][6]. Group 1: Industry Trends - The insurance industry is experiencing a recovery in premium growth during the "opening red" period, with banks and individual insurance channels accelerating sales [1][6]. - The emphasis on the insurance protection function is being reinforced, as the industry adapts to complex lifecycle risks such as longevity, health, and long-term care [1][4]. Group 2: Regulatory and Market Insights - Former China Insurance Regulatory Commission Vice Chairman Wei Yingning highlighted the importance of maintaining the essence of insurance, warning against products that lack substantial protection and are merely for capital absorption [7][9]. - The rapid growth of products like investment-linked and universal life insurance, which saw annual growth rates exceeding 50%, has been linked to market volatility, raising concerns about risk exposure for consumers and the industry [4][9]. Group 3: Demographic and Strategic Shifts - The aging population is an irreversible trend, prompting the government to prioritize strategies for addressing aging and developing pension finance, positioning life insurance as a crucial component of the pension system [4][9]. - The life insurance sector is transitioning towards "new life insurance" models, integrating insurance with services like elder care and health management to provide comprehensive solutions throughout the lifecycle [5][9]. Group 4: Investment and Economic Impact - Insurance funds are characterized by long durations and strong stability, with diversified investment strategies across various asset classes, which can effectively support the real economy and promote innovation [10]. - The current bull market is expected to be one of the longest in Chinese capital market history, providing a significant opportunity for insurance companies to enhance profitability and transform their product structures [10].