浙江省作为工艺美术大省，高度重视历史经典产业振兴发展，于2024年6月份陆续出台《浙江省历史经典产业高水平传承高质量发展若干政策举措》及配套 行动方案，推动产业创新升级。针对浙江历史经典产业的特征和需求，阳光财险依托公司"伙伴行动"，构建"历史经典产业+保险+服务"的创新模式，量身定 制"浙礼保"一揽子解决方案。 该解决方案包括产品溯源、知识产权维权与风险管理全链条。其中，基于区块链技术搭建"浙礼保"溯源平台，实现了作品从创作者、制作企业到流通环节的 可视化追溯，消费者通过扫码即可核验真伪、了解工艺，并可直达合规销售渠道，有效提升消费信任与复购意愿。在知识产权保护方面，阳光财险不仅提供 法律维权支持，还配套推出知识产权保险，对因专利、版权等被侵权导致的直接经济损失及相关法律费用提供补偿，降低企业维权成本，激发创新活力。 此外，阳光财险创新引入保险机制为商品真实性"背书"，提供正品交易履约保证保险。如消费者购买的商品与溯源信息不符，保险公司将根据条款约定先行 赔付，以金融手段筑牢产品质量与信誉防线，增强产品质量的公信力。 杭州织机的丝线流转，绍兴酒坛沁着琥珀醇香，黑悟空神话引发山西古建筑热潮，北京中轴线申遗成功 ...

通讯员冯云云 12月12日，菏泽迎来入冬以来第一次大范围雨雪降温天气，降雪与剧烈降温给道路交通、农业生产和企业运营等带来严峻挑 战。平安产险菏泽中支迅速启动灾害应急响应机制，启动"事前预防、事中响应、事后理赔"的全流程风险减量管理模式。推动 保险服务由传统被动理赔向主动"风险减量"管理模式转型升级，切实保障群众生命财产安全与社会经济运行的连续性。 在接到气象预警后，平安产险菏泽中支第一时间召开专项应急部署会议，全面盘点应急物资、检修查勘车辆、确保防滑链、拖 车绳、应急帐篷、医疗包等关键物资充足可用。在应急调度方面，公司建立跨区域支援机制，优化案件智能分流规则，结合远 程定损、视频查勘等数字化技术手段，提升事故处理效率，为客户提供更有温度、更高效、更坚实的守护。 针对降雪天气可能导致的理赔案件激增影响，平安产险菏泽中支推出多项服务举措。包括灾前风险预警，开通理赔绿色通道， 24小时报案服务，小额案件线上快赔，免现场、免认定，以服务客户为中心，启动"现场救援+远程处理"联动模式，非必须现场 处理案件全部远程处理，减少客户在严寒天气中的户外等待时间和安全风险。同时安排专人定时通报报案量、结案量，确保每 笔案件有专人 ...

当前，农业保险也正加快从传统的"灾后补偿"转向注重"灾前预防、事中干预"的风险减量模式。近年来，中华财险河北分公司将风险减量管理作为核心战 略，通过科技赋能、模式创新与跨界协同，逐步构建起覆盖农业生产全周期的风险减量服务体系，为保障国家粮食安全、稳定农户收益探索出了一条可行路 径。 科技融合，织密"天空地"一体化智能风控网 风险减量的前提在于风险的精准识别与预警。中华财险河北分公司深度融合遥感、物联网、大数据等前沿技术，构建了"天基卫星、空基无人机、地基物联 网传感器"协同运作的立体监测网络。通过卫星遥感监测大面积旱涝与作物长势，无人机巡查小范围病虫害与设施损坏，地面传感器实时采集土壤墒情、水 质及温湿度数据，形成"天空地"一体化监测能力。公司已与气象、农业等部门建立数据共享与预警联动机制，实现暴雨、病虫害等精准预警信息直达农户， 并配套提供抢收、喷药、大棚加固等应急指导，切实将损失遏制在萌芽状态。 在此基础上，中华财险望都支公司与当地农业农村局联合开发"智慧农险客户端"，全方位、多角度地打通了农业保险承保与理赔的数据链条，定期更新卫星 遥感落图数据、智能无人机勘测数据、地面手持设备数据。通过整合卫星遥感和无 ...

截至2025年9月底，我国机动车保有量已达到4.65亿辆。燃油车仍占据市场主导地位，全年加油次数超60亿次。随着汽车保有量的攀升，燃油加油事故 的发生率居高不下，但对于如何处置，整个社会长期处于"无标可依"的状态。 2025年12月12日，国内首个《机动车燃油加油事故处置技术规范》（T/CAMRA 031-2025）（以下简称"《规范》"）团体标准在北京正式发布，这一标 准由中石油专属财产保险股份有限公司（以下简称"专属保险"）牵头，联合中国汽车维修行业协会（以下简称"维修协会"）共同制定，填补了我国在车辆误 加燃油事故应急处置领域的技术规范空白。来自国内油气销售企业、汽车维修协会、保险企业等22家单位的代表参会，共同探讨行业相关事故应急处置和安 全治理新路径。 长期以来，加油站误加燃油事故时有发生，但由于缺乏统一规范，责任界定难、维修标准不一、索赔争议频发等问题长期困扰着行业各方。2024年以 来，专属保险在集中统保服务集团公司所属加油站加错油责任险实践中发现，加错油事故处理暴露出行业缺乏标准化处置流程的痛点，部分维修企业存在操 作不规范现象，既带来安全隐患，也容易引发纠纷、诱发道德风险。 专属保险标准编制 ...

与此同时，平安产险以科技为核心驱动力，推动监管模式实现两大突破：一是从"被动应对"转向"精准 预防"，推出AI数字化宣教体系，施工单位投保安责险后可通过扫码5分钟完成安全学习、测试及物资领 取，后台AI建立风险画像实现精准预防，目前宣教覆盖率达92%；二是从"人防为主"转向"技防优先"， 搭建国内首个小散工程风险监测与隐患处置后台，通过AI摄像设备动态监测22类风险隐患，实现"开工 培训－过程监测－隐患处置－保险兜底"全生命周期管控。 截至目前，大湾区风险减量协同创新中心累计接收AI预警8245次、后台远程干预1722次、派出专家现 场处置709次、网格化监管联动172次，小散工程保险赔付案件数同比下降58%，降低直接经济损失近千 万元，实现风险隐患预防在先、发现在早、处置在小。 近日，中央广播电视总台"2025央视财经金融强国年度盛典"在北京成功举办。活动围绕金融"五篇大文 章"，聚焦深化金融体制改革、金融高水平开放等重大战略方向，现场揭晓了17个"2025央视财经金融强 国年度案例"，并发布"2025央视财经金融强国发展报告"，展示了金融服务实体经济和高质量发展的创 新实践。其中，由平安产险打造的《小散工 ...

Core Viewpoint - The fire incident at Hong Kong's Mong Kok Yuen has raised significant concerns regarding fire hazards in high-rise residential buildings during construction, highlighting the need for a robust insurance mechanism that integrates risk management throughout the building's lifecycle [1][10][12] Insurance Coverage and Response - China Taiping Insurance (Hong Kong) has provided comprehensive coverage for the Mong Kok Yuen project, including construction all-risk insurance, employee compensation insurance, third-party liability insurance, and property insurance, indicating a potential payout in the hundreds of millions of Hong Kong dollars [3][4] - The insurance scheme for Mong Kok Yuen includes a property insurance coverage of HKD 2 billion with a premium of HKD 240,200 for two years, and public liability insurance with a coverage of HKD 10 million per incident [4][5] - The insurance company has activated an emergency response mechanism to ensure prompt claims processing, adhering to principles of "quick compensation" and "full compensation" [3][4] Risk Management and Prevention - The incident has sparked discussions on the necessity of transforming insurance from a post-disaster compensation tool to a proactive risk management partner throughout the design, construction, and operation phases of buildings [1][10][12] - There is a recognized need for dynamic risk assessment mechanisms and differentiated risk control strategies, particularly in the context of aging residential areas and high-rise building maintenance [1][10][12] - The fire's rapid spread was attributed to environmental factors, such as low humidity and high winds, emphasizing the importance of understanding risk sources in fire prevention strategies [10][11] Industry Trends and Future Directions - The insurance industry is moving towards a model that emphasizes risk reduction and prevention, with a focus on preemptive measures to lower disaster rates and enhance public safety [12][13] - There is a growing trend for insurance companies to offer higher coverage limits and broader fire insurance products in response to increased awareness of fire risks among property owners [7][12] - The concept of risk reduction management is still in its early stages across various sectors, indicating significant room for improvement and development in the future [11][12]

Core Viewpoint - The fire incident at Hong Kong's Mong Kok Yuen has raised significant concerns regarding fire hazards in high-rise residential buildings during construction and the associated insurance coverage mechanisms [2][11] Insurance Coverage - China Taiping Insurance (Hong Kong) has provided comprehensive insurance coverage for the Mong Kok Yuen project, including construction all-risk insurance, employee compensation insurance, and property insurance, with a total premium of 337,700 HKD for two years [4][5] - The building and common area property insurance has a coverage limit of 2 billion HKD, while public liability insurance covers personal injury and third-party liability with limits of 10 million HKD and 200 million HKD respectively [4][5] Risk Management - The incident highlights the need for insurance to evolve from merely compensating for losses to becoming a partner in risk management throughout the lifecycle of building design, construction, and operation [2][11] - There is a significant opportunity for improvement in risk management practices, particularly in the renovation of old neighborhoods and maintenance of high-rise buildings, necessitating dynamic inspection mechanisms and differentiated risk control strategies [2][11] Fire Insurance Insights - Fire insurance is a critical component of property insurance in Hong Kong, typically covering structural damage from fire, lightning, and explosions, but not personal property [8][9] - The market has seen an increase in awareness and demand for fire insurance, leading to higher coverage limits and premiums as a response to recent high-rise fire incidents [9][10] Risk Reduction Strategies - The fire incident has sparked discussions on risk reduction strategies, emphasizing the importance of preemptive measures to mitigate risks associated with construction and building maintenance [12][13] - The insurance industry is encouraged to adopt a proactive approach, focusing on risk assessment and prevention to enhance societal safety and stability [12][13]

Core Viewpoint - The fire incident at Hong Kong's Mong Kok Yuen has raised significant concerns regarding fire hazards in high-rise residential buildings during construction and the effectiveness of insurance coverage for affected residents [1][3]. Insurance Coverage - China Taiping Insurance (Hong Kong) has provided comprehensive insurance coverage for the Mong Kok Yuen project, including construction all-risk insurance, employee compensation insurance, and property insurance, with a total premium of 337,700 HKD for two years [3][4]. - The building's property insurance has a coverage limit of 2 billion HKD, while public liability insurance covers personal injury up to 10 million HKD per incident [3][4]. Risk Management - Industry experts emphasize that insurance should evolve from merely compensating for losses to becoming a partner in risk management throughout the lifecycle of buildings, including design, construction, and operation [1][11]. - There is a need for dynamic risk assessment mechanisms and differentiated risk control strategies, especially in the context of old building renovations and high-rise maintenance [1][11]. Fire Insurance Specifics - Fire insurance primarily covers structural damage due to fire, lightning, and explosions, but does not cover personal property within the building [8][9]. - Common exclusions in fire insurance include intentional acts, war, natural wear and tear, and failure to comply with fire safety regulations [9][10]. Public Awareness and Risk Reduction - The fire incident has sparked public interest in risk prevention and the importance of understanding the sources of risk, particularly during the winter months when fire incidents are more frequent [11][12]. - The insurance industry is encouraged to adopt a proactive approach to risk reduction, focusing on preemptive measures to lower disaster rates and enhance public safety [12][13].

Core Viewpoint - The "2025 Shenzhen International Financial Conference" emphasizes the role of the insurance industry in building a strong financial nation and supporting the high-level opening of the Greater Bay Area, highlighting the need for the industry to evolve from traditional risk compensation to comprehensive risk management [2][4]. Group 1: Insurance Industry's Role - The insurance industry is crucial in balancing safety and development, serving the real economy, and strengthening social security [2]. - The industry must align closely with national strategies and integrate deeply into the financial innovation of the Greater Bay Area [4]. Group 2: Financial Policy and Innovation - A preliminary financial policy matrix for the Greater Bay Area has been established, with significant reforms and pilot programs set to enhance cross-border financial services [4][5]. - Innovations in cross-border financial connectivity, such as currency bridge settlement and cross-border vehicle insurance, have made significant progress [5]. Group 3: Supporting the Real Economy - The insurance sector needs to accurately meet the demands of the modern industrial system, particularly in critical areas like high-end chips and industrial software [5]. - Customized insurance solutions are being developed to help technology companies mitigate risks associated with rapid technological changes [5]. Group 4: Green Transformation - The insurance industry is focusing on supporting green projects through long-term capital tools and integrating extreme weather risks into coverage [6]. - Insurance funds in Guangdong have reached 37 trillion yuan, with potential for greater impact in green infrastructure [6]. Group 5: Social Security and Risk Management - The industry must address challenges posed by an aging population and new employment models, leveraging digital tools to reduce operational costs [6]. - A proactive regulatory framework is needed to enhance risk identification capabilities, utilizing technology to build disaster databases and improve risk models [6][7]. Group 6: Strategic Opportunities - The insurance sector is encouraged to seize opportunities presented by the "15th Five-Year Plan," positioning itself as a protector of safe development across various sectors [7].

Core Insights - The insurance industry is shifting from traditional risk management to proactive risk reduction management in response to complex global risks and climate change challenges [1][2] - The integration of technology and services in risk reduction is seen as a valuable tool for promoting high-quality economic development and modern urban governance [1][2] Group 1: Industry Transformation - The insurance sector is transitioning from "post-claim compensation" to a comprehensive risk management approach that includes "pre-warning, intervention during events, and post-event compensation" [1] - Ningbo, as the first national-level insurance innovation pilot zone, is enhancing its insurance functions from traditional economic compensation to a comprehensive service model that covers risk warning, process control, and loss mitigation [1] Group 2: Technological Integration - Ping An Property & Casualty is leveraging technological advantages to innovate risk reduction services, moving towards "full-cycle risk management" using AI, big data, IoT, and satellite remote sensing [2] - By October 2025, Ningbo's safety responsibility insurance is expected to cover 51,000 enterprises, with a pre-service coverage of over 30,000 companies, leading to a significant reduction in accident occurrences [2] Group 3: Product and Service Innovation - Ping An Property & Casualty has launched over 70 insurance products tailored for technology companies, addressing various stages of innovation and providing comprehensive risk management solutions for 69,000 enterprises [3] - The insurance industry is actively developing innovative insurance products and automated service systems to meet the needs of emerging sectors like the low-altitude economy [3] - The shift from "loss compensation" to "risk reduction" reflects the industry's evolution in supporting national governance modernization and high-quality development [3]