【环球网财经综合报道】近日，广东金融监管局相关部门正式印发《关于支持我省保险业高质量发展助力广东在中国 式现代化建设中走在前列的指导意见》（下称《指导意见》）。《指导意见》紧扣广东"走在前、作示范、挑大梁"的 定位，以强监管、防风险、促高质量发展为主线，是为加快建设金融强省，切实发挥保险经济"减震器"和社会"稳定 器"功能，助力筑牢经济安全网、社会保障网和灾害防控网。 数据显示，广东金融业发展态势强劲，增加值已突破万亿元大关，保险业成为广东高质量转型发展的"金引擎"。截至 2025年三季度末，广东银行业保险业总资产超过44万亿元，占全国的8.78%，年均增长超8%，"险资入粤"投资规模达 2.26万亿元。在此基础上，《指导意见》进一步明确了保险业的功能定位，引导行业从单纯追求业务规模转向更加注 重风险保障、预期稳定和制度支撑功能。 为服务科技创新，广东将建立"全链条、多层次、可持续"的科技保险体系。《指导意见》引导保险机构聚焦研发损 失、设备损失、专利保护、网络安全等重点领域，以及科技成果首试首用、中试验证等关键环节，丰富科技保险产 品。特别支持首台（套）重大技术装备保险、重点新材料首批次应用保险等推广应用， ...

另外，从不同部门的发文数量数据也可以看出，在经济深度转型期，保险业在社会经济中的地位和作用 也愈加凸显；而金融监管机构的把控力也在增强。 来源：观潮财经 2025是承前启后的关键之年。 从数据来看，这一年保险业的政策大调整、大转向逐步进入尾声。疾驰而来的2026年必然是一个全新的 世界。 观潮财经梳理了2025年全年保险业相关政策发现，去年共有130条政策出台，较2024年少，且节奏上也 发生了明显变化：政策制定者层面对行业发展预期基本稳定下来，2025年下半年也基本进入政策大幅调 整尾声。 政策牵引之下，保险资金运用迎来重大变革，权益类资产配置占比提升至22.5%，举牌次数创九年新 高。同时政策聚焦科技创新、国际化、养老、医疗等核心领域。纵观近十年发展，保险从"回归保障"的 行业命题，到涉及社会经济方方面面的顶层设计，经济深度转型期保险业起的作用愈发重要。 全新的一年开始了，2026年保险业将迎来怎样的发展？ 01 观数据丨政策大幅调整尾声，保险业地位显著提升 据观潮财经不完全统计，2025年截至12月31日，总局、部委层面共有约130条保险相关政策出台（不包 括地方机构），与2024年同期约133条较为接 ...

纵观2025年，行业韧性生长之力贯穿始终，每一个脚印都扎实而清晰……在这幅徐徐展开的行业长卷中，十大关键笔触尤 为鲜明，共同勾勒出行业于变局中开新局的生动图景。 ■本报记者 苏向杲 冷翠华 杨笑寒 杨洁 编者按：时序更替，华章日新。2025年的保险业绘就了一幅动人的画卷：主基调气韵平和，行笔稳健，其中数笔浓墨重 彩，勾勒出行业面对新变局主动作为的犀利锋芒。 行业之"稳"体现在：今年前10个月，原保险保费收入5.48万亿元，同比增长8%；赔付支出超2万亿元，同比增长7%。行业 不仅实现了稳健发展，也让保险的温度可感可及。行业之"锋"则体现为：在资产端，险资规模创新高，举牌活跃，险资私募基 金纷纷设立；在负债端，分红险崛起，新能源车险异军突起，服务新动能的保险产品不断涌现；在运营端，数字化、人工智能 加速重塑行业运行逻辑。 回望2025年，保险业展现出强大的韧性，在转型阵痛中迸发出向新而行的活力。这一年，行业在平衡木上走出了增长与质 量兼顾的稳健步伐。一方面，行业资产规模、保费收入与赔付支出稳中有升，保障功能进一步凸显；另一方面，高质量转型亮 点纷呈，寿险业与财险业产品结构持续升级，资产配置格局更趋合理，支持实体 ...

Core Insights - Ping An Property & Casualty has insured over 150,000 drones, providing risk coverage exceeding 90 billion yuan, with compensation amounts surpassing 1.17 billion yuan for drones and aircraft [1][2] Group 1: Low Altitude Economy Development - The low altitude economy is recognized as a strategic emerging industry during the 14th Five-Year Plan, transitioning from policy trials to large-scale applications, including drone logistics, urban air traffic, and emergency rescue scenarios [2][3] - The complexity and risks associated with low altitude flying activities necessitate the role of insurance as a critical component for commercial viability [2][3] Group 2: Insurance Product Development - Ping An Property & Casualty aims to develop specialized insurance products tailored to the entire low altitude economy industry chain, addressing risk management needs while leveraging its technological capabilities for risk reduction [2][3] - The company has established a new risk research institute in collaboration with Zhongcai Property & Casualty, focusing on risk points throughout the operational processes of low altitude activities [2][3] Group 3: Emerging Risk Management - The "White Paper" highlights that low altitude economy presents unique challenges compared to traditional aviation and ground transportation, requiring targeted safety and risk prevention systems [3] - The demand for low altitude economy insurance is expected to exhibit characteristics of "full chain, high adaptability, and strong professionalism," covering various aspects from flight activities to data security and navigation system failures [3] Group 4: Future Industry Integration - By 2035, the low altitude economy is projected to expand to a scale of 3.5 trillion yuan, necessitating insurance to permeate every segment of the low altitude economy [4] - The "White Paper" suggests that the insurance industry should innovate product offerings, optimize business models, enhance service capabilities, and improve supporting measures to facilitate high-quality development of the low altitude economy [4][5]

Core Viewpoint - Ping An Property & Casualty Insurance has insured over 150,000 drones, providing risk coverage exceeding 90 billion yuan, with compensation amounts surpassing 1.17 billion yuan for drones and aircraft [1][5]. Group 1: Low Altitude Economy Development - The low altitude economy is recognized as a strategic emerging industry during the 14th Five-Year Plan, transitioning from policy trials to large-scale applications, including drone logistics, urban air traffic, and emergency rescue scenarios [3]. - The low altitude economy is reshaping operational models across various industries through diverse applications, but the associated risks necessitate robust insurance solutions to ensure stability and safety [1][4]. Group 2: Insurance Role and Innovations - Ping An's core strategy focuses on the entire low altitude economy industry chain, developing specialized insurance products to meet risk protection needs while leveraging technology for risk reduction [5]. - The newly released white paper outlines systematic solutions for the comprehensive risks faced by the low altitude economy, emphasizing the importance of insurance as a foundational safety net for commercial viability [1][5]. Group 3: Emerging Risks and Insurance Demand - The white paper highlights that the low altitude economy presents unique challenges, including high complexity in flight environments and increased frequency and density of operations, necessitating targeted safety and risk prevention systems [6]. - The demand for low altitude economy insurance is expected to exhibit characteristics of "full chain, high adaptability, and strong professionalism," covering various aspects from flight activities to data security [6]. Group 4: Recommendations for Industry Development - The white paper suggests that the insurance industry should innovate product offerings, optimize business models, enhance service capabilities, and improve supporting measures to effectively serve the high-quality development of the low altitude economy [8]. - It emphasizes the need for insurance companies to integrate into the low altitude economy ecosystem, collaborating with government, enterprises, and academic institutions to enhance risk research and innovate solutions [8]. Group 5: Legal and Regulatory Considerations - The legal responsibilities associated with the low altitude economy are complex, with current regulations lacking specific provisions for issues like liability, privacy protection, and data security [9]. - Recommendations include establishing a comprehensive liability recognition mechanism for emerging industries to ensure fair compensation for affected parties and enhancing protections for personal privacy and sensitive information [9].

Group 1 - Shenzhen insurance industry is focusing on enhancing technology finance, with technology insurance expected to achieve premium income of 1.88 billion by June 2025, providing risk protection of nearly 3.12 trillion [1][2] - The Shenzhen Financial Regulatory Bureau has optimized the intellectual property financial ecosystem, issuing two lists of 81 specialized insurance products and 103 intellectual property financial products [1][2] - A total of 399 technology insurance products have been filed in the region, with 86 new products added this year, highlighting innovations in intellectual property insurance, low-altitude economy insurance, and robot insurance [2] Group 2 - The regulatory body has guided the industry in publishing the first national model clauses for unmanned aerial vehicle third-party liability insurance and has established the first national drone insurance service standards [2] - In the first half of 2025, eight cross-border medical insurance products were filed, providing risk protection exceeding 3.02 billion for Greater Bay Area residents [2] - The implementation of cross-border car insurance policies has been optimized, and a cross-border data verification platform is being upgraded to facilitate smoother data exchange between Shenzhen and Hong Kong [2]