所谓"侧挂车"保险连接证券，是由保险公司以比例再保险的方式将保险风险分给专门设立的特殊目的保险公司（Special Purpose Insurer，SPI）。SPI通过发 行股权或债权型证券的方式募集赔付资金，并将资金存入信托账户，投资于低风险、高流动性资产以及时支付赔款。 监管层推动境内保险公司发行"侧挂车"保险连接证券，核心原因在于保险机构在承保巨灾风险时同样面临巨大的经营压力。 尤其我国巨灾风险具有复杂、多发、集中的特点，70%以上的城市、50%以上的人口分布在自然灾害严重的地区。地震、洪水、寒潮、台风等自然灾害，都 可能在短时间内造成数百亿级别的损失，冲击保险公司的偿付能力和资本金水平。 金融监管总局有关司局负责人表示，传统再保险市场对巨灾风险的保险保障有限，"侧挂车"保险连接证券可以使保险公司从香港资本市场获取额外保障，是 对传统再保险市场的有效补充，有利于进一步拓展我国巨灾保险风险分散渠道。 智通财经记者 | 吕文琦 为进一步丰富巨灾风险管理工具箱，10月28日国家金融监督管理总局发布《关于境内保险公司在香港市场发行有关保险连接证券事项的通知》（下称《通 知》），支持有意愿的境内保险公司在香港市场 ...

北京商报讯（记者 胡永新）金融街论坛年会如期而至。10月27日，2025金融街论坛年会在京举办，国家金融监督管理总局局长李云泽在开幕式上为"十五 五"时期保险领域的发展方向锚定了坐标。李云泽提出，优化贸易融资、出口信用保险等跨境服务，加快促进内外贸一体化，加力畅通国内国际双循环。 从去年发布的保险业新"国十条"，强调要"扩大出口信用保险覆盖面，助力培育外贸新动能"，到今年以来各级政府部门纷纷将"出口信用保险"纳入稳外贸支 持政策，支持力度不断加大。 出口信用保险是世界贸易组织（WTO）允许的外经贸促进工具，既承保战争、暴乱、汇兑限制等政治风险，也保障买方破产、拖欠、拒收等商业风险，最 终保护的是本国出口商、承包商的收汇安全或本国投资者的海外投资权益。 对于优化出口信用保险这一跨境服务将带来的积极影响，北京社科院副研究员王鹏表示，可以降低企业海外风险成本，促进内外贸一体化；通过融资增信与 规则输出，可以提升中国产业国际竞争力，推动高水平开放。 中央财经大学副教授刘春生在接受北京商报记者采访时表示，优化出口信用保险等跨境服务，能降低企业出口风险、助力小微企业通过保单融资缓解资金压 力，还能推动银行与保险机构协同升 ...

Core Viewpoint - The rapid response and efficient claims processing by the catastrophe insurance consortium in Wenzhou during Typhoon "Danas" highlights the effectiveness of the catastrophe insurance system in providing economic compensation and stabilizing expectations during major disasters [1][2]. Group 1: Catastrophe Insurance Response - The catastrophe insurance consortium, consisting of six insurance companies, activated its emergency response mechanism immediately upon the formation of Typhoon "Danas," utilizing technology to complete claims payments of 2.1 million yuan swiftly [1]. - The consortium implemented a 24-hour dynamic monitoring system, leveraging big data for precise tracking of the typhoon's path and rainfall information [1]. - The first claim payment was processed in just 1 minute and 25 seconds, with subsequent claims also completed with "hour-level" response efficiency [1]. Group 2: Impact on Recovery - On July 9, the total claims amounting to 2.1 million yuan were fully paid out, aiding affected residents and businesses in quickly restoring their production and living conditions [2]. - The efficient claims payment was a result of the consortium's reliance on a fully online operational model, which simplified processes and reduced timeframes [2]. - By 2025, the consortium plans to further enhance its use of technological tools to optimize the entire disaster prevention and mitigation service system [2].

Core Viewpoint - The increasing frequency and severity of natural disasters due to climate change necessitate the expansion and enhancement of catastrophe insurance as a critical tool for risk management and disaster mitigation [1][3]. Group 1: Importance of Catastrophe Insurance - Catastrophe insurance has played a significant role in disaster risk management, providing over 20 trillion yuan in risk coverage for residents in 2024 [1]. - The insurance community has provided 22.36 trillion yuan in catastrophe risk protection to 64.39 million households in 2024, highlighting its extensive reach [3][4]. - The rapid response and compensation processes, as demonstrated by the swift payout of 340 yuan to a disaster-affected resident, illustrate the effectiveness of catastrophe insurance in safeguarding lives and property [2]. Group 2: Coverage and Depth of Catastrophe Insurance - Despite the progress, the coverage and depth of catastrophe insurance need further expansion, as the current penetration rate is low, with only about 10% of disaster losses covered by insurance compared to a global average of 40% [4][5]. - The voluntary nature of residential catastrophe insurance limits its uptake, with varying coverage rates across different regions [4][5]. - Local pilot programs have shown success in adapting catastrophe insurance to specific regional needs, but broader implementation is still required [4][6]. Group 3: Technological and Policy Developments - The insurance industry is encouraged to invest in technology to improve risk assessment and data sharing, which are currently hindered by fragmented data across various departments [5][7]. - Recent policy initiatives, such as the "National Ten Articles" and the "Overall Emergency Plan for Sudden Incidents," emphasize the importance of catastrophe insurance and aim to enhance its development [6][7]. - The establishment of a unified catastrophe data sharing platform and the development of high-precision catastrophe risk models are recommended to improve the effectiveness of catastrophe insurance [7].