风险减量正成为近年来备受关注的热点话题。近日，在宁波召开的第二届四明保险论坛上，这一理念再 次成为重点议题之一。随着自然灾害、公共安全事件、生产经营波动以及家庭生活中的不确定性不断上 升，风险减量的意义正被放大——不再局限于保险业内的专业词汇，而是逐渐成为城市治理、产业运行 和日常生活中不可忽视的基础环节。 夯实风险识别底座 风险减量的首要任务是风险识别。近年来，国际局势变化、极端天气事件、网络攻击、供应链波动等情 况不断出现，使全球风险呈现多元化、交织化的特点。中央财经大学中国精算科技实验室主任陈辉表 示，目前，风险格局较以往更为复杂，部分风险之间的关联性增强，呈现出一定的扩散性和跨界性，这 促使保险业在识别风险时需要具备更加系统、前瞻的视角，以更好适应风险环境的变化。 近年来，我国持续推进自然灾害综合风险普查、风险监测预警体系建设、极端天气应对能力建设等项 目，努力提升风险识别的精细度与覆盖面。这些举措有助于为保险业提供风险识别的基础数据，帮助行 业更全面地掌握风险的底层情况。"风险形态呈现出一定的变化趋势。"陈辉认为，我国所面临的多种风 险因素正在叠加演变，如极端天气事件的频率和强度有所波动，数字化发展 ...

风险减量正成为近年来备受关注的热点话题。近日，在宁波召开的第二届四明保险论坛上，这一理念再 次成为重点议题之一。随着自然灾害、公共安全事件、生产经营波动以及家庭生活中的不确定性不断上 升，风险减量的意义正被放大——不再局限于保险业内的专业词汇，而是逐渐成为城市治理、产业运行 和日常生活中不可忽视的基础环节。 夯实风险识别底座 风险减量的首要任务是风险识别。近年来，国际局势变化、极端天气事件、网络攻击、供应链波动等情 况不断出现，使全球风险呈现多元化、交织化的特点。中央财经大学中国精算科技实验室主任陈辉表 示，目前，风险格局较以往更为复杂，部分风险之间的关联性增强，呈现出一定的扩散性和跨界性，这 促使保险业在识别风险时需要具备更加系统、前瞻的视角，以更好适应风险环境的变化。 近年来，我国持续推进自然灾害综合风险普查、风险监测预警体系建设、极端天气应对能力建设等项 目，努力提升风险识别的精细度与覆盖面。这些举措有助于为保险业提供风险识别的基础数据，帮助行 业更全面地掌握风险的底层情况。"风险形态呈现出一定的变化趋势。"陈辉认为，我国所面临的多种风 险因素正在叠加演变，如极端天气事件的频率和强度有所波动，数字化发展 ...

Core Insights - Insurance companies are transforming their apps from mere claims processing tools into comprehensive "health partners" and "lifestyle managers" that provide continuous service interactions beyond just insurance transactions [1][3][4] Service Expansion - Insurance apps are increasingly offering diverse services, such as mental health assessments through the "Heartwarming Station" on the China People's Insurance app and a dedicated "Elderly Care Zone" on the China Life Insurance app, enhancing user engagement [5][6] - The integration of mental health services and elderly care reflects a strategic shift towards proactive user support, moving beyond traditional insurance offerings [6][7] Strategic Shift - The evolution of insurance apps signifies a broader industry transformation from "post-incident compensation" to "full-cycle health management," aligning with regulatory trends and enhancing user loyalty [7][9] - The shift towards a user-centric operational model emphasizes the need for insurance companies to cover comprehensive life needs, thereby transitioning from one-time transactions to ongoing service relationships [8][9] User Engagement Metrics - The user engagement metrics indicate a significant increase in active users, with the China People's Insurance app's monthly active users rising from 3.35 million in 2024 to nearly 4 million in the first half of 2025, showcasing the effectiveness of these strategic changes [8] Competitive Landscape - The competitive landscape is evolving, with large insurance companies leveraging their resources to create comprehensive service platforms, while smaller firms focus on niche markets and specialized services to differentiate themselves [10]

Core Viewpoint - The insurance industry is transitioning from a focus on post-disaster compensation to proactive risk prevention, particularly in high-density urban areas like Shenzhen, where natural disasters are frequent and diverse needs are emerging [1][3]. Industry Transformation - The insurance sector is evolving to meet the complex and diverse demands of society, moving towards high-quality development rather than internal competition [1][7]. - The implementation of the "reporting and operation in one" policy aims to address high commission fees and unhealthy competition, creating a fairer environment for the industry [7][9]. Risk Prevention Initiatives - The company has developed a "disaster prevention" model utilizing IoT technology to enhance risk reduction, such as installing IoT devices in 3,300 small and medium-sized restaurants and school canteens in Shenzhen to detect gas leaks [3][4]. - A comprehensive risk management mechanism has been established, focusing on disaster prevention, response, and post-event review, exemplified by the proactive measures taken during Typhoon "Hagupit" [4][5]. Technological Empowerment - The company has developed the "Eagle Eye System" (DRS), integrating over 420 million geospatial data units to create a comprehensive risk management system that covers disaster warning and claims processing, achieving a 70% average accuracy rate in disaster warnings [6][12]. Product and Service Innovation - The company is actively innovating insurance products to support emerging industries, such as technology insurance for AI and low-altitude economy sectors, and has launched the first comprehensive insurance for technology trials in Shenzhen [11][12]. - A pilot program for "cross-border e-commerce insurance" was initiated, offering various insurance products tailored to the needs of cross-border e-commerce businesses [12][13]. Cross-Border Insurance Development - The company has introduced specialized services for cross-border vehicle insurance, including a dedicated Cantonese service channel and expedited claims processes, significantly reducing the claims cycle [13]. - In the shipping insurance sector, the company has achieved over 50% annual premium growth by developing insurance products tailored to the cross-border logistics needs of e-commerce and supply chain companies [13].

金秋的陕北高原，千沟万壑间缀满了"中国红"。在延安市安塞区，果农郭民民不再像过去那样焦虑地抬 头望天，而是低头查看手机里的精准气象预警。不远处，一台由中华财险设立的"防雹空气炮"静静矗 立，它与一张无形的"数字天网"共同守护着这片即将丰收的果园。 从受灾理赔到风险减量 我国是全球最大的苹果生产国和消费国，陕西是全国苹果产量第一大省，延安是世界公认的最佳苹果优 生区之一，种植面积排全国地级市之首。然而，这一支柱产业却因当地沟壑纵横的地形与频发的极端天 气长期面临严峻挑战。尤其是花期冻害与果实期的冰雹，一次次冲击着苹果产业链，影响着果农的收入 与信心。 郭民民的经历，正是这一困境的缩影。2016年，他在安塞大佛寺村虎燕峁投入200万元开始种植苹果。 眼看即将迎来丰收，一场突如其来的冰雹让他的丰收希望几乎破灭。"损失惨重，果子全是'冰雹点'， 根本卖不上价，经济损失大概四五十万元。"那段时间，他一度萌生退意，甚至考虑将果园转包出去。 事实上，前几年果树尚在成长期，挂果率本就不高，再加上天气灾害频发，收入一直难有起色。 灾后赔偿终究是兜底之策，对于果农来说，渴望的是长期、稳定的产业收益。2022年，中华财险果断将 重 ...

Core Viewpoint - The 15th National Games, hosted by Guangdong, Hong Kong, and Macau, marks a significant milestone as the largest and highest-level comprehensive sports event in China, with China Life Insurance acting as the official partner to provide extensive risk management and insurance services [1] Group 1: Insurance and Risk Management Strategy - China Life Insurance adopts a "risk reduction" approach, transitioning from traditional post-event compensation to proactive risk management and control during the event [2] - The company utilizes its proprietary "Wandering Cloud" platform, integrating AI, big data, IoT, and digital twin technologies to create a comprehensive service system covering pre-event prevention, in-event monitoring, and emergency simulations [2][3] - A "Sports Center Risk Database" has been established, combining historical insurance claims data, meteorological information, and technical standards to formulate scientific risk reduction recommendations [2] Group 2: Monitoring and Emergency Preparedness - Key areas such as power distribution rooms and fire control centers are equipped with IoT monitoring devices, while drones are deployed for 24-hour dynamic monitoring of venue safety [3] - Digital twin technology is employed to create virtual models of critical venues, allowing for simulations of emergencies like fires and power outages, thereby optimizing emergency response plans [3] Group 3: Comprehensive Insurance Coverage - China Life Insurance has developed a tailored "full-process, multi-dimensional, integrated" insurance plan that covers all aspects of risk from participants to venues, providing over 100 billion yuan in insurance coverage [4] - The insurance products include venue property insurance, personal accident insurance, public liability insurance, and organizer liability insurance, addressing the unique needs of large-scale events [4] Group 4: Cross-Border Claims Mechanism - A collaborative claims mechanism has been established to address the challenges of cross-border insurance services, ensuring information sharing and mutual recognition of claims standards among Guangdong, Hong Kong, and Macau [5] - A dedicated green claims channel allows participants to enjoy "on-site claims" regardless of where the incident occurs, streamlining the claims process [5][6] - For Hong Kong and Macau participants, a specialized service window has been set up to ensure claims are processed within 8 hours, enhancing service efficiency and convenience [7]

Core Insights - The 15th National Games, the largest and highest-level comprehensive sports event in China, is being held in Guangdong, Hong Kong, and Macau, marking the first time the event has taken place in these regions [1] - China Life Insurance is the official partner for the event, implementing a "insurance + risk reduction services + technology" model to ensure safety and risk management throughout the event [1][2] Group 1: Risk Management and Technology Integration - China Life Insurance has shifted from a traditional post-claim model to a proactive risk management approach, focusing on risk reduction before and during the event [2] - The company utilizes its proprietary "Wanshang Cloud" platform, integrating AI, big data, IoT, and digital twin technologies to create a comprehensive service system for risk prevention, monitoring, and emergency response [2][3] - A "Sports Center Risk Database" has been established, combining historical insurance claims data with various risk factors to provide scientific risk reduction recommendations [2] Group 2: Comprehensive Insurance Coverage - China Life Insurance has developed a tailored "full-process, multi-dimensional, integrated" insurance plan that covers all aspects of risk from participants to venues, providing over 100 billion yuan in insurance coverage [4] - The insurance products include coverage for athletes, staff, volunteers, and third-party personnel, as well as venue property and equipment [4] Group 3: Cross-Border Claims and Service Efficiency - A collaborative claims mechanism has been established to address the challenges of cross-border insurance services, ensuring information sharing and mutual recognition of claims standards among Guangdong, Hong Kong, and Macau [5][6] - A dedicated green claims channel has been created, allowing participants to submit claims online, significantly speeding up the claims process [6][7] - A 24/7 service hotline and on-site service points have been set up to provide immediate assistance and streamline the claims process for participants [6][7]

Core Viewpoint - The article highlights the innovative agricultural insurance service provided by China People's Property Insurance in Zaozhuang, which offers free drying services to farmers facing challenges due to continuous rainfall during the autumn harvest, thereby preventing crop spoilage and financial loss [3][5][10]. Group 1: Agricultural Challenges - Continuous autumn rain has led to high moisture levels in harvested corn, reaching 35%-40%, significantly exceeding the safe storage standard of 14% [4]. - Farmers are facing difficulties in selling wet corn due to low purchase prices, around 0.49 yuan per pound, and the risk of spoilage [4][6]. Group 2: Insurance Innovation - The insurance company has shifted its service model from post-disaster compensation to proactive risk prevention by providing free drying services for insured farmers [5][10]. - This initiative is a collaboration between the insurance company, the local finance bureau, and the agricultural bureau, coordinating four drying lines to process up to 80 tons of grain per day [5][6]. Group 3: Risk Management and Support - The insurance service emphasizes a "prevention over compensation" approach, focusing on comprehensive risk management throughout the agricultural production process [6][10]. - The company has established specialized service teams to assist farmers with harvesting, transportation, and drying, thereby minimizing disaster losses [7][8]. Group 4: Policy and Financial Support - The insurance company has upgraded its agricultural insurance policies to include complete cost insurance for corn and wheat, covering all production costs, with per-acre coverage reaching 950-1000 yuan [10]. - Financial support from various government levels covers 80% of the insurance premium, significantly reducing the burden on farmers [10][11]. Group 5: Community Impact - The free drying service and financial support have provided farmers with a sense of security and hope, reinforcing the importance of agricultural insurance in safeguarding their livelihoods [11].

Core Viewpoint - The article highlights the proactive measures taken by financial institutions in Shandong Province to support farmers during the critical autumn harvest season, particularly in response to adverse weather conditions that have affected crop yields [1][3][14]. Financial Support and Risk Mitigation - Financial institutions are increasing disaster reduction funding and providing specialized financial products to support farmers in their autumn harvest and planting efforts [1][3][12]. - Insurance companies are utilizing technology such as drones and remote sensing to enhance damage assessment efficiency and expedite claims processing [14][15][17]. - The Shandong Provincial Financial Office has organized local financial systems to provide efficient services and support for autumn grain harvesting [3][12]. Agricultural Operations and Equipment - Various financial institutions are coordinating the use of agricultural machinery, such as tracked harvesters and mobile dryers, to assist in the timely harvesting and drying of crops [3][4][7]. - Specific initiatives include the establishment of agricultural machinery reserves and the donation of equipment to enhance drainage capabilities in affected areas [8][4]. Credit and Loan Initiatives - Agricultural banks have been actively providing loans to grain customers, with a reported total of 120.68 billion yuan in loans issued to 11,300 clients this year [11][13]. - The Industrial and Commercial Bank of China has introduced over 40 specialized financing products to meet the diverse needs of farmers during the autumn harvest [12][13]. Technology in Insurance and Claims Processing - Insurance companies are employing drones and remote sensing technology to quickly assess crop damage, with some companies reporting a 50% reduction in the time required for damage assessments [14][15]. - The use of a "green channel" for claims processing has been established to ensure rapid compensation for farmers, with some claims being paid within 24 hours of assessment [14][17]. Community and Volunteer Support - Insurance company volunteers are actively assisting farmers in harvesting crops, demonstrating a community-oriented approach to support during challenging weather conditions [5][7]. - Local financial institutions are also engaging in community outreach to ensure that farmers are aware of available resources and support [11][12].

Core Viewpoint - The event on October 13 marked the 36th International Day for Disaster Reduction, where China Ping An, in collaboration with various organizations, launched initiatives to enhance disaster resilience and public disaster response capabilities, including the release of the "Typhoon Disaster Prevention and Mitigation System and Guidelines" [1][4]. Group 1: New Tools and Models - Ping An Property & Casualty Insurance introduced the "Ping An Typhoon Risk Map" and "Ping An Typhoon Catastrophe Model," utilizing AI tools for scientific disaster prevention and control [2]. - The "Ping An Typhoon Risk Map" consists of three digital maps that quantify typhoon risks based on historical and observational data, achieving kilometer-level simulation accuracy [2]. - The "Ping An Typhoon Catastrophe Model" estimates the probability and potential losses from typhoon disasters, aiding in catastrophe insurance pricing [2]. Group 2: Emergency Resource Warehouses - Ping An is establishing five emergency resource warehouses across key regions in China, ensuring a 100% response rate to major disasters and covering the entire disaster management process [3]. - The warehouses will provide over 30 types of emergency supplies, including water barriers and pumps, to meet various disaster response needs [3]. - The warehouses are designed for rapid response, with next-day delivery capabilities during disasters [3]. Group 3: Collaborative Efforts and Knowledge Sharing - A collaborative effort led to the publication of a guidebook aimed at enhancing disaster resilience, using case studies from past typhoons to develop a comprehensive knowledge system [4]. - The guidebook offers practical risk assessment and reduction measures tailored for different environments, promoting actionable disaster preparedness [4]. - A strategic partnership was formed between Ping An and the Hainan Meteorological Bureau to enhance data sharing and collaborative development in the meteorological field [5]. Group 4: Community Engagement and Volunteerism - An emergency rescue team composed of volunteers from Ping An pledged to protect public safety through coordinated disaster response efforts [6]. - The event is part of Ping An's broader "Risk Reduction + Public Welfare" initiative, which aims to enhance community disaster preparedness and response capabilities [6]. - The company emphasizes that improving grassroots emergency capabilities is a systematic project, committing to leverage its strengths in insurance, technology, and services for public safety [6].