买保险，对大多数老百姓来说，就图个心安，不仅要买好，还需买对。可以说，这本白皮书给出了新选择，家庭保险配置"三步法"给出了最佳路径。 近日，一部名为《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》（下称"白皮书"）横空出世，在京重磅发布，受到保险消费者广泛关注，被业 内誉为"新时代家庭保险配置指南"。 据悉，该项研究由长城人寿保险股份有限公司联合北京大学经济学院风险管理与保险学系、益普索（中国）咨询有限公司共同开展，并由中国保险学会和北 京大学心理与认知科学学院有关专家全程给予学术指导。作为本次学术研究牵头人，北京大学经济学院风险管理与保险学系副主任陈凯在发布会上不但介绍 了白皮书重要研究成果，并为中国家庭如何配置保险支妙招，提出家庭保险科学配置"三步法"，助力广大保险消费者快速上手，实现保险科学精准配置，最 大程度防御生活风险！ 第一步：先定性——搞懂"家里该优先防御啥风险" 第三步：再确定——算准"需要多少保额才够" | 家庭保险配置模型 | | 一般家庭 | 中产家庭 | 富裕家庭 | 高净值家庭 | | --- | --- | --- | --- | --- | --- | | | | | 自万 ...

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 ...

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 ...

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][2] - The research emphasizes the evolving risk perceptions of families, highlighting a significant increase in awareness of wealth-related risks compared to traditional survival risks [3][4] Group 1: Family Risk Perception and Management - Chinese families are facing multiple challenges such as slowing income growth, increasing employment and debt risks, currency depreciation, and declining investment returns [3] - The study indicates a shift in focus from traditional risks like health and accidents to wealth management and security, with a notable rise in concern over unemployment and wealth depreciation risks [4][6] - The white paper identifies six major impacts of macroeconomic changes on family risks, including income and debt risks, purchasing power risks, and the effects of an aging population [3][4] Group 2: Consumer Preferences and Risk Management Solutions - Modern families are increasingly seeking comprehensive risk management solutions that combine products and services, moving beyond traditional insurance compensation [10][11] - The primary concerns of families include health issues, retirement planning, children's education, wealth security, and wealth inheritance, reflecting a strong demand for certainty and sustainability [10][11] - High-net-worth families show a growing interest in specialized services such as tax consultation and wealth inheritance planning, indicating a shift towards personalized insurance solutions [12][13] Group 3: Recommendations for Insurance Allocation - The white paper proposes a framework for analyzing income, assets, and liabilities to guide insurance allocation based on family lifecycle stages and wealth levels [17] - It suggests that families should adjust their insurance products according to their lifecycle stage, with specific recommendations for different income levels [17][18] - The introduction of the "Family Risk Defense Index Model" aims to assist families in optimizing their insurance strategies and improving financial security [14][15] Group 4: Strategic Opportunities for the Insurance Industry - The insurance industry is positioned at a critical strategic opportunity, with companies like Great Wall Life Insurance aiming to transition from serving individuals to serving families [18] - The company emphasizes the importance of understanding changing family needs and has developed various intelligent tools to help consumers identify risks and allocate insurance effectively [18][19] - Great Wall Life Insurance is committed to providing comprehensive risk protection services, enhancing customer trust through a focus on both product and service quality [18][19]