在交通安全领域，分公司深度参与高风险路段整治，在全省400个事故易发路口加装爆闪灯、减速带和防护栏；在宜春试点推行"右转危险警示区"和"停 车让行"标识，有效降低大型车辆右转盲区事故率，2025年实现服务减损65万元。"这些看似微小的改变，守护的是千家万户的生命线。"当地交管部门负 责人评价道。 科技赋能：构建"1+N+1"数智风控新平台 在统筹发展与安全的时代命题下，保险业正从传统的"灾后补偿"向"事前预防、事中减损、事后补偿"全链条风险管理转型。作为金融央企驻赣机构，人 保财险江西分公司将风险减量服务作为高质量发展的战略支点，探索出一条具有"江西特色"的保险服务新路径。2025年，分公司累计为承保客户提供各 类风险减量服务超30万次，覆盖产品逾1600个，预估年度减损金额达1.24亿元。 政企协同：打造"政府+保险"社会治理新范式 面对极端天气频发、公共安全挑战增多的新形势，人保财险江西分公司主动融入地方安全治理体系，与省应急管理部门、省公安厅交管总队、省水文监 测中心、省气象局等多部门建立常态化联动机制，创新推出"保险+气象""保险+水文""保险+交管"等合作模式。 通过与气象水文部门合作，分公司接入全 ...

Investment Rating - The report does not explicitly provide an investment rating for the banking industry Core Insights - The banking industry is facing increasing uncertainty, necessitating a comprehensive restructuring of risk management processes, with Chief Risk Officers (CROs) playing a crucial role in this transformation [10][11][13] - Effective risk management execution can provide banks with a competitive advantage, enabling them to respond swiftly to market fluctuations and drive continuous improvement across the organization [11] - The report emphasizes the need for banks to adapt to emerging risks, including geopolitical complexities, economic volatility, and the impact of digital transformation on risk management [21][23][24][26] Summary by Sections Introduction - The report highlights the necessity for banks to adjust their risk management cycles to address increasing uncertainties, focusing on risk identification, assessment, monitoring, control, and reporting [10] Drivers of Risk Management Transformation - Key factors driving the transformation of risk management functions include geopolitical challenges, economic fluctuations, and the need for enhanced operational resilience [21][23] - Banks are increasingly recognizing the importance of understanding and adapting to emerging risks, such as supply chain disruptions and cybersecurity threats [23][24] Reshaping Risk Management Functions - The transformation of risk management functions is led by CROs, requiring collaboration among all stakeholders to embrace the evolving role of risk management [36][37] - Banks must modernize their operations and risk management approaches to remain competitive, addressing outdated systems and manual processes [39][40] Future Risk Management Blueprint - The report outlines the importance of integrating data-driven risk management practices, emphasizing the need for improved data quality and infrastructure to support effective risk monitoring and reporting [79][81] - The adoption of artificial intelligence and machine learning is identified as a key technology for enhancing risk management capabilities, although regulatory challenges remain [64][81] Conclusion - The report concludes that banks must proactively adapt their risk management strategies to navigate the complexities of the current environment, aligning risk management with business objectives to drive performance transformation [101]