作为中国现代保险业的发源地，广东保险业积淀深厚。自1980年恢复业务后，广东仅用二十余年便跃居 全国保险"第一省"。时至今日，保险已与银行、证券并列金融业三大支柱，在助推实体经济、保障社会 民生、发挥"社会稳定器"与"经济助推器"功能中扮演关键角色。 2025年，中国保险业迈入深化改革、回归本源的攻坚期，服务实体经济、保障社会民生的核心使命愈发 凸显。依托深厚的产业积淀与持续的改革活力，广东辖区（不含深圳，下同）保险业在民生保障升级、 科技金融赋能、跨境服务创新、行业生态优化等多个维度的探索，不仅是自身发展的突破，更勾勒出全 国保险业转型的"广东样本"。 每一次保障升级、每一份产品创新、每一笔资金注入，都与产业转型的轰鸣、民生期盼的脉搏同频共 振。岁末年初，南都·湾财社以六个关键热词，回望2025年广东辖区保险业的奋进之路，更试图解读其 背后"从规模扩张到功能深化""从单一保障到综合服务"的行业发展逻辑。 巨灾保障 2025年1-11月，广东省保费收入7389.58亿元，同比增长8.35%，增速位于全国前列。保费规模的稳步增 长与结构优化，为广东保险业发挥社会价值奠定了坚实基础。在助力筑牢经济安全网、社会保障 ...

同时，低空保险保障逐步完善，金融监管部门指导行业落地全国首个低空飞行器专属科技保险条款，并在此基础上发布"全新全 方位低空经济保险服务体系"，从保机身、保运营扩大至保货物、保停放、保维修，构建低空飞行器多场景风险保障体系。指导 人保财险落地全国首单针对低空经济的专属保险产品"低空保"。2025年前三季度，全省保险机构为低空经济相关企业提供保险 保障超3250亿元，赔付支出近1.5亿元，涉及城市空运、应急救援、物流运输、城市治理、农业管理等多个应用场景。 数据显示，当前广东低空经济核心企业投融资规模近500亿元，占全国约六成。招商、中信银行AIC落户广东，辖内大型银行 AIC基金为低空产业已提供战略投资3.5亿元。 南方财经记者杨期鑫 广州报道 12月25日，首届粤港澳大湾区低空经济高质量发展大会在广州召开。 会上，广东金融监管局牵头联合人民银行广东省分行、广东证监局、深圳金融监管局、人民银行深圳市分行、深圳证监局、广 东省发改委等七部门出台《关于金融支持广东低空经济集群发展的通知》（以下简称低空金融"十二条"），聚焦低空经济集群 发展的金融需求，以"新""全""合"的制度机制赋能创建综合性、特色化金融服务体系 ...

Group 1: Financial Institutions and Technology Innovation - The National Financial Supervisory Administration is promoting financial institutions to increase support for technological innovation, establishing a multi-level technology financial service system [1] - A comprehensive policy framework for technology finance has been initiated, with a focus on enhancing credit services for high-tech enterprises and small and medium-sized technology companies [1] - By the end of Q3 2025, the loan balance for high-tech enterprises in both domestic and foreign currencies reached 18.84 trillion yuan, a year-on-year increase of 6.9% [1] Group 2: Agricultural Financial Services - The Agricultural Development Bank of China is focusing on creating four major professional brands to support agricultural development [5] - The bank aims to enhance food security and promote digital finance across the entire agricultural value chain [6] - It is also committed to supporting high-standard farmland construction and ecological protection through financial services [6] Group 3: Inclusive Finance Development - The China Banking Association emphasizes the importance of inclusive finance, aiming to meet the financial needs of small and micro enterprises, rural areas, and low-income groups [3][4] - By June 2025, the balance of inclusive loans for small and micro enterprises from large commercial banks reached 16.23 trillion yuan, which is 3.36 times that of the end of the 13th Five-Year Plan [3] - The banking sector is innovating products tailored to the operational characteristics of small and micro enterprises, increasing the proportion of first-time loans and credit loans [3] Group 4: Digital and Intelligent Financial Services - The Industrial and Commercial Bank of China is implementing digital reforms and has established a digital inclusive finance center to enhance service efficiency [7] - The bank has developed a financial big model and an intelligent decision-making engine to improve risk identification accuracy [7] - By focusing on inclusive finance, the bank aims to create a new service model that is precise, smooth, and intelligent [7] Group 5: Insurance Sector Innovations - The People's Insurance Company of China is enhancing insurance coverage for major national strategies and key areas, with an insurance liability amount of 2988 trillion yuan for 2024 [15] - The company is innovating in technology insurance and has launched various products to provide comprehensive risk protection for technological research and development [15] - It is also expanding green insurance offerings to support environmental sustainability initiatives [15] Group 6: Comprehensive Financial Ecosystem - Citic Bank is focusing on building a standardized system for inclusive finance, enhancing its product offerings and risk control mechanisms [11][12] - The bank aims to create a diversified service ecosystem by collaborating with various stakeholders to support small and micro enterprises [12] - It is committed to developing a more mature and rich product service system for inclusive finance [12]

Core Insights - The rapid development of the low-altitude economy presents both significant opportunities and unprecedented risk management challenges, necessitating comprehensive insurance solutions [1][2][3] Industry Overview - The low-altitude economy encompasses four main sectors: low-altitude equipment manufacturing, flight safety assurance, operational services, and comprehensive services [2] - As of November 2024, there are nearly 19,000 drone operating companies in China, with 2.158 million registered drones, and drone flight hours reached 25.449 million, a 15.3% increase year-on-year [2] - The market size of China's low-altitude economy is projected to exceed 1.5 trillion yuan by 2025 and reach 3.5 trillion yuan by 2035 [2] Regulatory Environment - The implementation of the "Interim Regulations on the Management of Unmanned Aerial Vehicle Flights" mandates insurance for commercial drone operations, highlighting the growing importance of insurance in the low-altitude economy [3][4] - Regulatory requirements are aimed at enhancing risk management, compliance, and public safety within the industry [4] Insurance Market Response - Insurance companies are actively developing specialized insurance products to meet the risk management needs of the low-altitude economy, including property, liability, and accident insurance [5][6] - As of October 2024, several insurance products have been launched, including "low-altitude aircraft exclusive insurance" and "low-altitude insurance" tailored for specific regions [5][6] Challenges in Insurance Coverage - Current insurance products primarily focus on third-party liability and hull insurance, lacking coverage for cargo loss and operational interruption scenarios [8] - The rapid evolution of drone technology and the dynamic nature of associated risks necessitate more customized and flexible insurance solutions [8][9] Future Directions - There is a need for a unified national framework for low-altitude economy insurance, including standardized clauses and collaborative legislative efforts to enhance operational effectiveness [10] - The development of specialized insurance products, such as operational interruption and cargo transport insurance, is essential for comprehensive risk coverage in the low-altitude economy [10]

Core Insights - The article discusses the rapid development of the low-altitude economy in China, highlighting the emergence of new business models such as drone delivery and eVTOL, and the associated risks that necessitate comprehensive risk management and insurance solutions [1][2] Industry Overview - The low-altitude economy encompasses four main areas: low-altitude equipment manufacturing, flight safety assurance, operational services, and comprehensive services [1] - As of November 2024, there are nearly 19,000 drone operating companies in China, with 2.158 million registered drones, and drone flight hours reached 25.449 million, a 15.3% increase year-on-year [1] Regulatory Environment - The 2024 and 2025 government work reports emphasize the development of the low-altitude economy as a new growth engine, with a focus on safety and health in emerging industries [2] - The implementation of the "Interim Regulations on the Management of Unmanned Aerial Vehicle Flights" mandates insurance for commercial drone operations, highlighting the increasing importance of insurance in the sector [2] Insurance Market Response - Insurance companies are actively developing specialized insurance products to meet the risk management needs of the low-altitude economy, including property, liability, and accident insurance [4] - As of October 2024, several insurance companies, including PICC, have launched various low-altitude insurance products, covering risks associated with aircraft, operators, passengers, and data security [4][5] Challenges in Insurance - The current insurance products primarily focus on traditional aviation insurance, lacking comprehensive coverage for emerging technologies like eVTOL and advanced drones [7] - There is a need for more diverse insurance products that address specific scenarios such as cargo loss and operational interruptions, as well as improved data support for pricing [7][8] Future Directions - Experts suggest establishing a data-sharing mechanism to enhance risk pricing accuracy and developing standardized insurance clauses to address regulatory fragmentation [9] - There is a call for innovation in insurance products to create a comprehensive system that covers the entire low-altitude economy, including specialized products for operational interruptions and cargo transport [9]

Core Viewpoint - The low-altitude economy in China is rapidly developing, with an annual growth rate exceeding 30%, creating a trillion-yuan market in the airspace below 1,000 meters. The insurance industry is evolving from a passive risk bearer to an active architect of the industry ecosystem, focusing on comprehensive risk management for the low-altitude economy [1]. Group 1: Industry Development - The low-altitude economy has established a complete industrial chain structure, including upstream research and manufacturing, midstream operation services, and downstream application scenarios. Any risk in these segments could lead to systemic impacts [2]. - The demand for low-altitude detection services has surged, with business volume in Chongqing increasing nearly twofold since 2025. However, equipment damage incidents remain a significant challenge [2]. - The introduction of the first "low-altitude aircraft onboard detection equipment loss compensation insurance" serves as a critical breakthrough in establishing a safety net for low-altitude equipment monitoring [2]. Group 2: Insurance Product Innovation - The "new comprehensive low-altitude economy insurance service system" has been developed, expanding coverage to include cargo transport, loss during downtime, and extended warranty responsibilities, thus creating a multi-scenario, full lifecycle risk protection system around eVTOL [3]. - The new insurance products aim to enhance the lifecycle and value retention of eVTOLs, providing significant support for the stability of low-altitude economy enterprises [3]. Group 3: Collaborative Ecosystem - The sustainable development of low-altitude economy insurance relies on deep collaboration in technology empowerment, data sharing, and institutional innovation. Recent developments indicate a shift from "single-point innovation" to "ecological co-construction" [4]. - The establishment of the "Bay Area Low Altitude Economy Research Institute" aims to create a unified low-altitude flight data platform and develop risk assessment models suitable for various scenarios [5]. - The collaboration between Zhongcai Property Insurance and Ping An Property Insurance to form a "New Emerging Risk Research Institute" will integrate resources to create innovative insurance products and service models for the low-altitude economy [5]. Group 4: Market Trends and Challenges - The current trends in low-altitude economy insurance include extending coverage upstream to encompass research, detection, and manufacturing, accelerating technology empowerment through big data and AI, and deepening ecological collaboration [7]. - National policies have been introduced to support the development of the low-altitude economy, with projections indicating that the market size could reach 1.5 trillion yuan by 2025 and 3.5 trillion yuan by 2035 [8]. - Challenges such as slow infrastructure development, weak core technologies, and an underdeveloped market system need to be addressed to enhance the insurance coverage and commercial applicability of low-altitude economy products [9][10].