入夏以来，全国多地遭遇强降雨，部分地区出现山体滑坡等地质灾害，给当地的农业生产和居民生活带 来不利影响。日前，中国保险资产管理业协会发布《2025年助力乡村振兴倡议书》提出，贯彻落实中央 农村工作会议和中央一号文件精神，以更高质量的金融服务助力行业对口帮扶地区牢牢守住不发生规模 性返贫底线，全面推进乡村振兴。 5月底，中国太保在四川举办气候保险的实践与探索研讨会，中国太保董事长傅帆表示，保险业在应对 气候风险方面肩负重要使命，中国太保将应对气候变化纳入公司顶层战略设计，丰富气候保险产品和服 务，通过先进技术提升风险管理维度和精度。未来，中国太保将持续发挥保险主业优势，加大技术创新 投入，完善风险管理体系，提升风险保障服务，推动气候保险在社会经济可持续发展上发挥更大作用。 6月上旬，人保财险云南临沧市分公司成功签出云南省首单玉米制种节气气象指数保险，为临沧市沧源 佤族自治县800亩制种玉米提供近30万元风险保障。该保险产品以农历节气为周期，覆盖芒种至处暑的 玉米制种关键期，依托气象数据自动化触发理赔。通过预设干旱、暴雨、高温等气象灾害阈值，一旦气 象站数据触发约定指数，农户无需经过查勘、定损等环节即可快速获赔， ...

Core Viewpoint - China Pacific Insurance (CPIC) emphasizes its role in climate risk management and green finance, showcasing its innovative insurance products and services to enhance disaster prevention and mitigation capabilities in response to climate change [1][2][3]. Group 1: Climate Risk Management - CPIC highlights the importance of insurance in disaster risk management, stating that its value extends beyond post-disaster compensation to include enhancing societal resilience through innovative products [1][2]. - The company has initiated various innovative catastrophe insurance products and established a comprehensive risk reduction management system to support economic and social resilience against climate change [3][4]. Group 2: Green Insurance Development - Since 2020, CPIC has strategically focused on green insurance, establishing a dedicated research department and collaborating with universities and international reinsurance companies to innovate in this area [2][4]. - In 2024, CPIC's green insurance premium income is projected to exceed 60 billion yuan, representing a 16.5% year-on-year growth and accounting for 30.4% of its overall business, securing the second-largest market share [2]. Group 3: Technological Empowerment - CPIC has developed a comprehensive risk reduction solution covering the entire process from prevention to compensation, including the "Risk Radar" platform that provides tailored weather alerts and risk reduction services to nearly 600,000 enterprises [4][5]. - The company has formed extensive partnerships with research institutions and meteorological departments to enhance its climate risk research and improve catastrophe assessment models [5]. Group 4: Support for Western Development and Belt and Road Initiative - CPIC is committed to supporting the development of the western region of China and the Belt and Road Initiative by providing comprehensive insurance coverage for infrastructure and logistics projects [6][7]. - The company has provided over 530 billion yuan in risk coverage for cross-border rail transport and has supported more than 1,300 major projects across over 160 countries and regions [6][7]. Group 5: Future Initiatives - CPIC plans to launch more innovative cross-regional insurance products to support industrial upgrades and enhance risk management for enterprises venturing abroad [7]. - The company aims to deepen its integration of technology and insurance, utilizing satellite and security technologies to monitor overseas project operations and preemptively address disaster risks [7].

Core Viewpoint - The insurance industry in China faces significant challenges due to extreme weather events, with a notable gap in coverage and demand for climate insurance products [1][5][6] Group 1: Climate Insurance Development - China's climate insurance system has made progress but still lags behind, with a need for tailored products based on regional conditions [1][2] - Various regions are implementing climate insurance mechanisms, with Sichuan leading in catastrophe insurance trials, covering over 13 million households and providing risk protection exceeding 350 billion [2][3] - The insurance coverage is expanding from single disaster types to multiple causes, including typhoons, floods, and landslides, with comprehensive pilot programs launched in Hebei and Hubei [2][3] Group 2: Insurance Coverage and Gaps - The insurance compensation rate in China is only about 10%, significantly lower than the global average, indicating a substantial protection gap [5][6] - Direct economic losses from climate disasters are rising, but insurance compensation remains disproportionately low, with examples like the Wenchuan earthquake and Henan floods showing minimal coverage [6][5] - The complexity of insurance products and low public awareness contribute to the low penetration of insurance among residents [6][5] Group 3: Collaborative Efforts and Innovations - The insurance industry is increasingly collaborating with local governments to enhance climate insurance uptake and coverage [9][10] - Technological advancements, including drones and AI, are being utilized to improve risk assessment and management capabilities [9][10] - China Pacific Insurance is focusing on a comprehensive approach to disaster risk management, integrating prevention, response, and recovery strategies [9][10]