Core Insights - The report released by Tianzhi International highlights the current state of risk management in the insurance industry, emphasizing improvements and ongoing challenges in various areas [1][2][3] Group 1: Industry Confidence and Risk Management - The anxiety regarding regulatory trends and external environment risks has decreased, with approximately 80% of institutions expecting continued regulatory tightening and 60% perceiving an increase in external risks, both down by over 10 percentage points from 2024 [1] - The overall risk management level in the industry has improved, with over 98% of institutions claiming to have established risk management systems that are either aligned with or ahead of business development, continuing a trend of improvement since 2015 [1][2] Group 2: Challenges in Risk Management - Despite improvements, challenges remain in risk management, particularly in quantitative tools, data quality, personnel allocation, and cross-department collaboration, although difficulties in these areas have decreased compared to the previous year [2] - There is a significant demand for optimization in risk management technology tools, with an increased focus on risk appetite and stress testing, as well as a need for solutions in asset-liability mismatch and interest rate risk management [2] Group 3: Asset-Liability Management and Internal Controls - The insurance industry has shown noticeable improvements in quantitative modeling techniques, personnel allocation, and data quality in asset-liability management, although challenges persist for property insurance companies, particularly in model development and data interaction mechanisms [2] - There is a clear demand for refined internal control and compliance management tools, with challenges in integrating internal control matrices with business operations and enhancing management efficiency [2][3] Group 4: Digitalization and AI in Risk Management - The application of digitalization and artificial intelligence in risk control and compliance within the insurance industry is still in its early stages, with nearly 40% of insurance groups having partially implemented or are in the process of implementing digital functions [3] - The industry is urged to transition from passive responses to proactive management, focusing on improving risk management levels and embracing emerging technologies like artificial intelligence [3]

天职国际保险咨询主管合伙人周瑾分享了《保险公司全面风险管理调查报告》核心发现。该报告基于行业150余家保险公 司的问卷反馈，就风险管理、资产负债管理、内部控制与合规管理、数字化等话题调研行业现状，展望未来的机遇与挑战。报 告显示，行业转型发展面临的外部环境仍然严峻，但预期较去年有明显改善，风险管理的精细化有所提升，但也还有很多改善 空间，风险管理嵌入业务规划和全面预算等公司核心决策环节相对滞后，风险管理对新兴科技和人工智能的应用还处于早期阶 段。 此次研讨会不仅是行业观点碰撞的平台，更是方案对接、资源共享的桥梁，明确了"长期主义+精益主义"的行业发展路 径。据了解，天职国际计划于2025年10月在上海举办同主题研讨会，持续汇聚行业力量，共同推动保险行业高质量发展。 本报讯 （记者冷翠华）2025年，在金融行业锚定高质量发展、强化服务实体经济能力的战略背景下，保险公司正面临低利 率环境、保险会计准则变革、严监管要求等多重考验，行业转型"破局"需求迫切。9月24日，天职国际2025年保险行业研讨会 （北京场）成功举办，140余位保险行业高管、资深人士及天职国际专家，围绕战略制定、新准则规划、系统建设、风险管 理、 ...