本报讯 （记者冷翠华）9月19日，由长城人寿保险股份有限公司（以下简称"长城人寿"）联合北京大学经济学院风险管理 与保险学系、益普索（中国）咨询有限公司共同完成的调研报告——《保险业高质量发展背景下的中国家庭风险保障体系白皮 书》（以下简称"白皮书"）正式发布。 长城人寿董事长白力表示，本次白皮书研究贯通宏观、中观、微观视角，横跨供需两端视野，层次清晰地分析了当前中国 家庭风险的形成、变化及应对之道，对全方位提升家庭风险认知和管理水平有重大意义。 益普索（中国）董事李海岚介绍，调研发现，当前中国家庭风险认知呈现"传统生存型风险焦虑下降，财富风险感知明显 提升"的特征。从保险业供给侧来看，与消费者需求尚未完全适配，还存在四大错配现象。 一是个性化需求与标准化供给错配。调研数据显示，28%的受访者认为投保方案无法匹配自身需求，是投保失败的首要原 因。 二是足额健康保障需求与低覆盖供给错配。当前中国重大疾病治疗费用中位数已达30万元，但2024年各人身险公司理赔年 报显示，重疾险件均赔付金额不足10万元。 三是跨周期财富需求与短期化供给错配。保险供给侧在应对子女养育、个人养老等风险的跨周期、长效财富管理产品供给 不 ...

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]

南方财经全媒体记者 林汉垚 家庭是社会最基本的单位、是社会的细胞，家庭的风险保障情况关系到社会的稳定与否，因此对"家庭 风险保障体系"开展深入研究极具现实意义。 当下，中国经济社会正在经历深层变革，随着经济增速放缓、经济结构调整、低通胀低利率、人口老龄 化、新技术革命等多重宏观经济因素变化，家庭风险意识、形态及应对体系正在被重塑。 9月19日发布的《保险业高质量发展背景下的中国家庭风险保障体系白皮书》（以下简称"白皮书"）分 析指出，当前中国家庭风险认知呈现"传统生存型风险焦虑下降，财富风险感知明显提升"的特征，但保 险业作为服务供给侧却并未针对消费者需求变化做出及时的调整。 宏观环境变化影响家庭风险 北京大学经济学院国际经济与贸易系主任陈仪教授介绍，近年来宏观经济各关键要素的变化，令中国家 庭正面临收入增长放缓、就业及债务风险增加、货币资产贬值、投资收益降低等多项挑战。 通过对新时期家庭风险的深入研判，北京大学经济学院风险管理与保险学系副主任教授陈凯系统地总结 了宏观环境变化对家庭风险带来的六大影响。 其中包括：宏观经济结构调整加剧家庭收入与负债风险；通货膨胀结构调整与消费分化增加购买力风 险；低利率环境重 ...