Core Insights - The insurance industry is facing multiple challenges including low interest rates, accounting standard changes, and stringent regulatory requirements, necessitating urgent transformation [1] - The 2025 timeline is identified as a critical period for reshaping the insurance landscape, emphasizing the need for strategic alignment and tactical execution [1][4] Group 1: Industry Challenges and Transformation - Insurance companies must navigate low interest rate impacts and adapt to new accounting standards while enhancing their service capabilities to the real economy [1] - The implementation of new insurance contract accounting standards is set to begin on January 1, 2023, for certain companies, with others following in 2026, requiring firms to balance short-term financial performance with long-term strategic goals [2] Group 2: Strategic Directions - The industry is encouraged to adopt a dual approach of "long-termism" and "lean management" to ensure sustainable growth and effective execution of strategies [4] - Companies are advised to refine their implementation strategies for new accounting standards, focusing on areas such as internal controls and asset-liability management [3] Group 3: Risk Management Insights - A survey of over 150 insurance companies revealed ongoing challenges in risk management, including weak data governance and insufficient quantitative modeling tools, despite some improvements compared to the previous year [3] - The integration of risk management into core business planning and budgeting processes remains lagging, with early-stage applications of emerging technologies and artificial intelligence [3]

天职国际保险咨询主管合伙人周瑾分享了《保险公司全面风险管理调查报告》核心发现。该报告基于行业150余家保险公 司的问卷反馈，就风险管理、资产负债管理、内部控制与合规管理、数字化等话题调研行业现状，展望未来的机遇与挑战。报 告显示，行业转型发展面临的外部环境仍然严峻，但预期较去年有明显改善，风险管理的精细化有所提升，但也还有很多改善 空间，风险管理嵌入业务规划和全面预算等公司核心决策环节相对滞后，风险管理对新兴科技和人工智能的应用还处于早期阶 段。 此次研讨会不仅是行业观点碰撞的平台，更是方案对接、资源共享的桥梁，明确了"长期主义+精益主义"的行业发展路 径。据了解，天职国际计划于2025年10月在上海举办同主题研讨会，持续汇聚行业力量，共同推动保险行业高质量发展。 本报讯 （记者冷翠华）2025年，在金融行业锚定高质量发展、强化服务实体经济能力的战略背景下，保险公司正面临低利 率环境、保险会计准则变革、严监管要求等多重考验，行业转型"破局"需求迫切。9月24日，天职国际2025年保险行业研讨会 （北京场）成功举办，140余位保险行业高管、资深人士及天职国际专家，围绕战略制定、新准则规划、系统建设、风险管 理、 ...