近日，工业和信息化部办公厅与金融监管总局办公厅联合印发《关于组织开展第二批次网络安全保险服 务试点工作的通知》（以下简称《通知》），部署开展第二批次网络安全保险服务试点工作。 此次试点将进一步丰富网络安全保险产品场景化供给，推动网络安全和金融服务融合创新，助力网络安 全产业高质量发展。 网络安全保险 助力企业数字化转型 随着数字化、网络化、智能化的深入发展，从关键基础设施到日常经营管理，网络与数据处理活动已无 处不在。然而，在数据流动的背后，数据泄露、网络攻击等风险随之攀升。 奇安信发布的《2024中国政企机构数据安全风险研究报告》显示，2024年，全年全球公开报道的重大数 据泄露事件共造成至少471.6亿条数据泄露，较2023年的103.8亿条增长354.3%。IBM发布的《2024年数 据泄露成本报告》显示，2024年，全球企业在数据泄露事件上的平均成本从2023年的445万美元上涨至 488万美元，增长10%。 严峻的形势凸显了传统单一技术防护的局限性，而网络安全保险日益成为转移、防范网络安全风险的重 要工具，在推进网络安全社会化服务体系建设中发挥着重要作用。 网络安全保险，是指对企业或个人因发生网络安 ...

Core Insights - The latest financial stability report from the Bank of Uganda indicates that commercial banks' after-tax net profits are projected to reach 1.689 trillion shillings by March 2025, driven by loan growth and economic recovery [1] - Systemic financial risks are easing despite ongoing global uncertainties, enhancing banks' capital adequacy and attracting investments to support economic development [1] Banking Sector Performance - The profit of credit institutions stands at 9.7 billion shillings, while microfinance deposit-taking institutions (MDIs) saw profits surge from 1.7 billion to 21.2 billion shillings year-on-year [1] - The core capital adequacy ratios are robust, with commercial banks at 25.4%, credit institutions at 26.7%, and MDIs at 43.4%, all significantly above regulatory minimum requirements [1] Digital Finance Growth - Digital payments are on the rise, with RTGS transaction volume and value increasing by 22.3% and 21.6% respectively, while electronic transfers grew by 3.4% [1] - Mobile payments have shown strong performance, with active accounts increasing by 166% to 33.7 million, and transaction volume and value rising by 20.9% and 25.5% respectively [1] - Notably, 92.2% of transactions are small transactions below 50,000 shillings, highlighting the role of digital finance in promoting financial inclusion [1] Loan and Agency Growth - Digital loans have surged to 2.9 trillion shillings, with over 102 million loans disbursed, and the number of agent banking service points increased by 48.7% [1] - However, the active agent ratio has declined due to commission disputes [1] Sovereign Debt Exposure - Financial institutions' exposure to sovereign debt has slightly increased to 30.4%, but overall capital levels remain strong, supporting both public and private investment capabilities [1]

Core Viewpoint - The insurance industry is evolving from a reactive approach focused on economic compensation to a proactive stance that emphasizes risk assessment and prevention in collaboration with clients [4][5]. Group 1: Changes in the Insurance Market - The Chinese insurance market is experiencing significant changes, with a shift towards preemptive risk management rather than solely focusing on post-disaster compensation [4][5]. - Insurance companies are increasingly engaging in risk assessment and monitoring after underwriting, enhancing the quality of risk management [4][5]. Group 2: Opportunities in the Aging Economy - The aging population is expected to drive substantial growth in the "silver economy," particularly in healthcare and eldercare services [4]. - There is a rising demand for chronic disease management and rehabilitation care among the elderly, prompting innovation in healthcare services and eldercare models [4]. Group 3: Emerging Risks and Technological Integration - Companies face evolving risks such as cybersecurity and climate change, necessitating a deeper understanding and adaptation by insurance firms [7][8]. - The insurance industry is exploring new solutions to address emerging risks, including the integration of advanced technologies like artificial intelligence and big data for risk modeling and assessment [9][10]. Group 4: Climate Risks and Natural Disasters - Extreme weather events have become the primary source of insurance claims, highlighting the need for specialized teams to assess climate risks [8]. - Companies are increasingly considering climate factors in their strategic decisions, with innovative insurance products emerging to address climate-related risks [8][9].