当雄县地处西藏中部，是拉萨市唯一的纯牧业县，总人口约5.2万人，其中牧业人口占比超90%，牦牛 养殖是当地牧民主要收入来源。近年来，当雄县大力推广农业保险。 近年来，作为扎根高原的国有保险企业，中国人民财产保险股份有限公司西藏自治区分公司（以下简 称"人保财险西藏分公司"）聚焦乡村振兴、保障和改善民生、绿色低碳发展、固边兴边富民等领域，深 度融入服务国家区域发展战略，积极发挥了保险的经济减震器和社会稳定器功能。 "牦牛是我们家的收入来源，养的牦牛全部都投了人保的牦牛养殖险。去年冬天由于暴风雪，家里好几 头牦牛都冻死了。幸亏有保险，很快就拿到了赔偿款。"当雄县牧民罗布告诉《农村金融时报》记者， 这让他实实在在感受到了保险的作用，心里特别踏实。 针对牦牛等核心养殖品种，人保财险当雄营销服务部全面落实政策性养殖保险政策，为"当雄牦牛"提供 风险保障。同时，该服务部将"有身份证的牦牛肉"等特色产业纳入重点保障范围，以"企业+合作社+牧 户"模式提供定制化保险方案，同步覆盖部分区域的农作物与牧民住房，为当地农牧业生产提供全面的 保障。 ■本报记者 田耿文 提供风险保障 护航农牧业生产发展 服务网络广覆盖 "每头牦牛我们 ...

Core Viewpoint - The insurance mechanism is becoming a "key variable" in modern social governance, as highlighted by the 20th National Congress of the Communist Party of China, which emphasizes the need to improve the social governance system [1] Group 1: Role of China Life Insurance - China Life Insurance is leveraging its comprehensive financial advantages to enhance social governance effectiveness in areas such as medical security, elderly care, environmental governance, social management, and disaster prevention [1][2] - The company has integrated insurance mechanisms deeply into the national governance system, demonstrating a commitment to serving national development and protecting people's livelihoods [2][3] Group 2: Financial Performance - In 2024, China Life Property & Casualty Insurance's revenue surpassed 100 billion yuan for the first time, marking a significant milestone in its financial performance [2] - The company ranked 36th among the global top 50 property and casualty insurance companies, reflecting its growing competitiveness and influence in the market [2] Group 3: Case Studies in Shanxi - The implementation of the traffic accident social rescue fund in Shanxi has provided timely assistance to over 23,596 individuals affected by traffic accidents, with a total aid amount exceeding 716 million yuan [4] - The "Green Guardian" insurance developed for forest rangers offers 138 billion yuan in risk protection, showcasing the company's commitment to ecological conservation [5] Group 4: Community Engagement - The "Hundred Districts and Hundred Towns" project has established comprehensive financial service stations across 68 counties and 100 towns, providing essential services to local communities and creating over 1,021 job opportunities [6] - These service stations not only offer financial services but also empower rural governance by connecting local residents with insurance and financial products [6] Group 5: Risk Management Innovations - China Life Insurance has implemented a "risk reduction" model that combines insurance with proactive risk management, having identified over 1.5 million safety production hazards across various enterprises [7] - The company has sent over 10 million disaster warning messages, demonstrating its commitment to risk prevention and management [11] Group 6: National Implications - The practices in Shanxi serve as a model for nationwide implementation, illustrating how financial insurance can effectively participate in social governance [8][11] - The integration of insurance into social governance is seen as a crucial element in building a multi-layered social security system, contributing to China's modernization efforts [12]

Group 1: Core Insights - The implementation plan for high-quality development of inclusive finance in the banking and insurance sectors aims to strengthen the inclusive insurance system, enhance product offerings, and improve service quality over the next five years [2][10] - Recent policies have led to the development of affordable and accessible insurance products tailored for specific groups, addressing the needs of chronic disease patients and new urban residents [3][4] Group 2: Product Development and Innovation - ZhongAn Insurance has improved its medical insurance product to provide long-term medication coverage for chronic disease patients, focusing on their specific needs [3] - Taiping Life launched a targeted accident insurance product for new urban residents, covering high-risk occupations and enhancing the insurance safety net for this demographic [4] Group 3: Support for Small and Micro Enterprises - The implementation plan emphasizes the development of insurance products that cater to the needs of small and micro enterprises, enhancing their risk management capabilities [5] - China Export Credit Insurance Corporation has established a unified insurance platform to support small foreign trade enterprises, facilitating access to financial resources and professional support [6][7] Group 4: Sustainable Development of Inclusive Insurance - The sustainable development of inclusive insurance requires a balance between affordability and quality, with a focus on effective risk measurement and service coverage [9] - Companies are encouraged to optimize pricing models, enhance service offerings, and leverage digital technologies to improve operational efficiency and reduce costs [9] Group 5: Regulatory and Evaluation Mechanisms - The plan includes integrating the development of inclusive insurance into the regulatory evaluation system for insurance companies, establishing assessment mechanisms for inclusive insurance products and services [10] - The importance of setting scientific standards for evaluating inclusive insurance products is highlighted, emphasizing the need for transparency and consumer protection [10]