证券时报记者刘敬元 证券时报记者获悉，中国保险行业协会近日发布《中国保险业社会责任报告（2024）》（以下简称《报 告》），用详实数据及630余个案例，从七个方面展示了2024年保险业履行社会责任的实践。 七个方面包括：一是服务国家战略，助推新质生产力；二是以人民为中心，增进人民福祉；三是优化应 急管理，强化风险减量；四是加强公司治理，确保合规经营；五是强化消费者保护，培育保险文化；六 是加强人文关怀，助力公益慈善；七是积极稳外贸稳外资，推动高水平开放。 科技保险保障约9万亿元 《报告》显示，保险业践行服务实体经济的根本宗旨，聚焦国家重大战略和重点领域，充分发挥经济减 震器和社会稳定器功能。 保险业积极对接乡村全面振兴、区域协调发展、科技创新、绿色低碳转型等重点领域和薄弱环节，为科 技创新和现代化产业体系提供一揽子风险管理和保险服务；充分发挥保险资金的长期投资优势，培育真 正的耐心资本，加大对战略性新兴产业、先进制造业、新型基础设施等投资力度，服务新质生产力发 展。 从风险保障看，2024年，企业财产保险提供保险金额159.65万亿元，赔款支出331.92亿元；货物运输保 险提供保险金额85.69万亿元，赔款 ...

Core Insights - The Chinese insurance industry has achieved significant growth in both scale and stability during the "14th Five-Year Plan" period, with a total compensation amount of 9 trillion yuan, marking a 61.7% increase compared to the previous five years [1][4]. Group 1: Industry Growth and Performance - The insurance premium income from 2021 to 2025 shows a steady increase, reaching 56,963 billion yuan in 2025, with a year-on-year growth rate rising from 4.0% to 11.15% [2]. - By mid-2025, the total assets of the insurance industry reached 401,139 billion yuan, a 72% increase since December 2020 [2]. - The insurance industry's comprehensive solvency adequacy ratio improved to 204.5% by June 2025, an increase of 8.5 percentage points from the end of 2022 [3]. Group 2: Global Positioning - In 2024, China's insurance premium income accounted for 10.2% of the global market, solidifying its position as the second-largest insurance market, ahead of the UK by 4 percentage points [4]. - The gap in market share between China and the third-largest market has widened by 0.2 percentage points during the "14th Five-Year Plan" [4]. Group 3: Sectoral Contributions - Agricultural insurance has expanded significantly, providing risk coverage for 800 million farmers and increasing the average insurance amount per mu by 72% [5]. - The auto insurance sector has insured over 1.6 billion vehicles, a 40% increase from the previous five years [6]. - The insurance industry has provided over 10 trillion yuan in risk coverage for technological innovation projects during this period [7]. Group 4: Investment and Economic Support - By the second quarter of 2025, the balance of insurance fund investments reached 36.23 trillion yuan, supporting major national projects and infrastructure development [8]. - Insurance funds have invested over 5.4 trillion yuan in stocks and equity funds, an 85% increase from the end of the previous five-year period [8]. Group 5: Social Security and Stability - The commercial pension insurance sector has accumulated over 6 trillion yuan, covering nearly 100 million people, marking significant progress in the multi-tiered pension system [9]. - The insurance industry has also played a crucial role in healthcare, with commercial health insurance providing 1.8 trillion yuan in compensation for patients over the past five years [9]. - The disaster insurance system has expanded its coverage, with cumulative payouts exceeding 150 billion yuan for natural disasters during the "14th Five-Year Plan" [11].

Core Insights - The Chinese insurance industry has achieved significant growth in both scale and service depth during the "14th Five-Year Plan" period, with a total compensation amount of 9 trillion yuan, marking a 61.7% increase compared to the "13th Five-Year Plan" period [1][6] - The industry is transitioning from a traditional risk compensator to a long-term capital provider for the real economy and a risk mitigator for technological innovation [1] Industry Growth and Financial Health - The insurance premium income in China has shown steady growth, with figures reaching 44.9 billion yuan in 2021 and projected to reach 56.9 billion yuan in 2025, reflecting an increase in growth rate from 4.0% to 11.15% [2] - By mid-2025, the total assets of the insurance industry reached 401.1 billion yuan, a 72% increase since December 2020, while net assets grew by 39% to 38.4 billion yuan [4] - The comprehensive solvency adequacy ratio improved to 204.5% by mid-2025, an increase of 8.5 percentage points from the end of 2022 [4] Global Positioning - In 2024, China's insurance premium income accounted for 10.2% of the global market, solidifying its position as the second-largest insurance market, ahead of the UK by 4 percentage points [5] - The gap in market share between China and the third-largest market has widened by 0.2 percentage points during the "14th Five-Year Plan" [5] Sector-Specific Developments - The agricultural insurance sector expanded significantly, providing risk coverage for 800 million farmers and increasing the average insurance amount per acre by 72% [6] - The auto insurance sector covered over 1.6 billion vehicles, with a 40% increase compared to the previous five years, and introduced specialized insurance for new energy vehicles [7] - The technology insurance sector provided risk coverage exceeding 10 trillion yuan, supporting 3,600 innovative application projects [7] Investment and Economic Support - By the second quarter of 2025, the balance of insurance funds reached 36.23 trillion yuan, serving as a critical source of long-term capital for major national projects and infrastructure [8] - Insurance funds invested over 5.4 trillion yuan in stocks and equity funds, an 85% increase from the end of the "13th Five-Year Plan" [8] Social Stability and Risk Management - The insurance industry has made significant strides in pension, health, and disaster insurance, with commercial pension insurance accumulating over 6 trillion yuan and covering nearly 100 million people [10] - The disaster insurance system has expanded coverage to include multiple disaster causes, enhancing the basic insurance amount for urban and rural residents [11] - Cumulatively, the insurance industry compensated over 150 billion yuan for flood and earthquake disasters during the "14th Five-Year Plan" [12] Regulatory Improvements - The regulatory framework has been strengthened, with key indicators such as non-performing loans and solvency ratios remaining stable and within healthy ranges [14] - The industry has seen a proactive shift in regulatory practices, focusing on systemic risk management and enhancing the resilience of financial institutions [14]

Group 1 - The new "National Ten Articles" has been implemented for over six months, with financial regulatory authorities focusing on detailed policies to enhance the insurance industry's service to the real economy [1] - The insurance industry is increasingly recognized for its leverage in supporting public welfare, with local governments utilizing "small insurance" to bolster "big protection" for livelihoods [2][3] - The pilot program for occupational injury protection for new employment forms has been launched, covering over 10 million insured individuals, with plans to expand to 17 provinces [3][4] Group 2 - The introduction of supplementary work injury insurance in Linyi, Shandong, aims to include new employment forms and flexible workers, with 14,860 laborers already insured [4] - The Sichuan Financial Regulatory Bureau has integrated various geological disaster risks into urban and rural residential catastrophe insurance, increasing premium subsidies for rural residents [5][6] - Catastrophe insurance has been implemented in six counties in Aba Prefecture, providing risk coverage of 1.5 billion yuan and enhancing local government social governance capabilities [6] Group 3 - The new "National Ten Articles" supports the development of commercial pension products, with China Life Insurance issuing 10 pension products and accumulating a business scale of approximately 49 billion yuan [7][8] - Insurance funds are being utilized to support the silver economy, with significant investments in elderly care projects across multiple cities, providing over 10,000 elderly care beds [7][8]

Core Viewpoint - The article emphasizes the importance of catastrophe insurance in managing disaster risks in China, particularly in Sichuan province, which faces significant natural disaster threats due to its complex terrain and history of earthquakes [1][2]. Group 1: Catastrophe Insurance Development - Sichuan has prioritized the development of catastrophe insurance as a key social project to enhance coverage and ensure livelihood protection [1]. - Since the 2008 Wenchuan earthquake, Sichuan has been a pioneer in exploring earthquake catastrophe insurance, creating a localized insurance scheme for urban and rural residents [1][2]. - China Pacific Insurance has been the chief underwriter since 2015, covering over 12 million households and providing risk protection exceeding 300 billion yuan, with 11 claims triggered [2]. Group 2: Policy and Regulatory Framework - In November 2024, a new work plan for urban and rural residents' catastrophe insurance was jointly issued by the Sichuan Financial Regulatory Bureau and the Sichuan Provincial Finance Department, aimed at improving disaster protection levels and alleviating government financial burdens [2][3]. - The plan is expected to provide valuable experience for the nationwide promotion of catastrophe insurance [2]. Group 3: Future Outlook - The Sichuan branch of China Pacific Insurance aims to deepen product supply-side reforms and expand the coverage of catastrophe insurance, transforming local advancements into significant contributions to national catastrophe insurance development [3]. - The establishment of a multi-layered catastrophe insurance system, combining policy-based and commercial insurance, has made notable progress in recent years [3].