据了解，这是中保协连续第六年组织行业编写社会责任报告，《报告》系统呈现了2024年保险业履行社会责任的 具体举措和突出绩效。 保险业全力服务高水平对外开放，为跨境贸易服务提供风险保障2.37万亿美元，为"一带一路"相关项目提供保险 保障1.14万亿美元 文|《财经》记者 杨芮 编辑|袁满 11月19日，中国保险行业协会（下称"中保协"）发布《中国保险业社会责任报告（2024）》（下称《报告》）。 坚持惠民利民，大力发展普惠保险，为"三农"、小微企业和老年人、新业态、新市民等特定群体提供质优价廉的 专属产品，提升人民生活品质。 《报告》数据显示，2024年，长期健康险新增保单4489.35万件，新增保险金额150.30万亿元，赔付支出1187.77亿 元、同比增长3.07%，年末有效保险金额330.55万亿元；寿险新增保单6703.42万件，新增保险金额18.68万亿元， 赔付支出8449.01亿元、同比增长53.83%，年末有效保险金额100.01万亿元。 截至2024年底，企业年金受托管理规模超2.5万亿元，同比增长16%；建设养老社区项目130个，同比增长38%。普 惠金融方面，为60岁以上老人提供人身险 ...

北京商报讯（记者 李秀梅）11月19日，北京商报记者注意到，中国保险行业协会正式发布《中国保险 业社会责任报告（2024）》（以下简称《报告》），系统呈现了2024年保险业履行社会责任的具体举措 和突出绩效。 《报告》从多个方面展示2024年保险业履行社会责任的生动实践。 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，赔款支出167.29亿元；科技活动主体签单42.44亿件，赔款支出177.28亿 元；保险业提供科技保险保障约9万亿元。 从险资运用来看，截至2024年底，人身险公司和财产险公司的股票余额2.43万亿元，证券投资基金余额 1.68万亿元，长期股权投资余额2.46万亿元。保险业为乡村振兴战略投资超4300亿元，同比增长50%； 为战略性新兴产业投资6800亿元，同比增长17%；支持科技自立自强存量资金8800亿元，同比增长 107%。 数据显示，2024年，长期健康险新增保单4489.35万件，新增保险金额150.30万亿元，赔付支出1187.77 亿元、同比增长3.07%，年末有效保险金额330.55万 ...

（原标题：保险业社会责任报告发布 外资险企在华业务增18%） 南方财经全媒体记者 林汉垚 11月19日，中国保险行业协会（以下简称"中保协"）发布《中国保险业社会责任报告（2024）》（以下 简称《报告》）。 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，赔款支出167.29亿元；科技活动主体签单42.44亿件，赔款支出177.28亿 元；保险业提供科技保险保障约9万亿元。 据了解，这是中保协连续第6年组织行业编写社会责任报告，《报告》系统呈现了2024年保险业履行社 会责任的具体举措和突出绩效。 《报告》从服务国家战略，助推新质生产力；以人民为中心，增进人民福祉；优化应急管理，强化风险 减量；加强公司治理，确保合规经营；强化消费者保护，培育保险文化；加强人文关怀，助力公益慈 善；积极稳外贸稳外资，推动高水平开放七个方面展示2024年保险业履行社会责任的实践。 从险资运用来看，截至2024年底，人身险公司和财产险公司的股票余额2.43万亿元，证券投资基金余额 1.68万亿元，长期股权投资余额2.46万亿元。保险业为乡 ...

本报讯 （记者冷翠华）中国保险行业协会（以下简称"中保协"）近日正式发布《中国保险业社会责任报告（2024）》（以 下简称《报告》）。这是中保协连续第6年组织行业编写社会责任报告，系统呈现了2024年保险业履行社会责任的具体举措和 突出绩效。 在服务社会治理过程中，保险业充分发挥行业风险管理等专业优势，聚焦助力筑牢灾害防控网，大力发展巨灾保险，拓展 巨灾保险保障范围和保障水平，建设巨灾保险共同体，积极探索巨灾保险区域试点，推进巨灾保险保障机制建设。2024年，国 家新出台巨灾保险相关制度，将台风、洪水、暴雨、泥石流等自然灾害纳入保障范围，实现巨灾保险基本保险金额翻倍。城乡 居民住宅巨灾保险共同体为6439万户次居民提供22.36万亿元巨灾风险保障。责任保险为全社会提供保险金额7053.10万亿元， 赔款支出749.55亿元、同比增长12.34%。 《报告》从七个方面展示2024年保险业履行社会责任的生动实践。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 ...

Core Insights - The fourth National Commercial Insurance Development Seminar highlighted the need to improve the insurance industry's role in major disaster relief, emphasizing the enhancement of compensation ratios for disaster losses and the transfer of risks for enterprises, families, and individuals [1] Group 1: Current State of Disaster Insurance - As of the first three quarters of 2025, natural disasters in China caused direct economic losses of 217.65 billion yuan, with the most significant losses occurring during the "July to August" period [1] - The comprehensive catastrophe insurance pilot has been implemented in over 20 provinces and cities, with various models such as all-cause coverage in Hebei and Hubei, and disaster index insurance in Guangdong [2] - By the end of September 2023, the catastrophe insurance from China People's Property Insurance Company covered 23 provinces and 137 cities, protecting a population of 459 million [2] Group 2: Regulatory Developments - In March 2024, the National Financial Supervision Administration and the Ministry of Finance issued a notice to expand the coverage of urban and rural residential catastrophe insurance, enhancing the basic coverage levels [3] - The State Council's September 2024 opinions aimed at promoting high-quality development in the insurance industry included measures to enrich catastrophe insurance forms and develop catastrophe risk models [3] - In October 2025, a notification was issued to support domestic insurance companies in issuing insurance-linked securities in the Hong Kong market, broadening the path for insurance risk securitization [3] Group 3: Future Outlook - The National Financial Supervision Administration plans to advance the top-level design of catastrophe insurance, improve the protection system, and coordinate with relevant departments to enhance the service functions of insurance in disaster prevention, emergency rescue, and timely compensation [4]

Core Insights - The fourth National Commercial Insurance Development Seminar highlighted the need to improve the insurance industry's role in major disaster relief, emphasizing the enhancement of compensation ratios for disaster losses and the diversification of risks for enterprises, families, and individuals [1] Group 1: Current State of Catastrophe Insurance - By the third quarter of 2025, natural disasters in China caused direct economic losses of 217.65 billion yuan, with the most significant losses occurring during the "July to August" period [1] - Catastrophe insurance is recognized as a crucial part of modern risk management, characterized by high resource allocation efficiency and flexible capital mobilization [1] - As of September 2023, the catastrophe insurance coverage by People's Insurance Company of China (PICC) extends to 23 provinces and 137 cities, protecting approximately 459 million people [2] Group 2: Innovations and Developments - Comprehensive catastrophe insurance pilots have been implemented in over 20 provinces, with various models such as all-cause coverage in Hebei and Hubei, and index-based insurance in Guangdong [2] - PICC has developed a multi-cause, multi-year, and multi-layered catastrophe insurance system, establishing a three-tier safety net that includes basic coverage, commercial supplements, and catastrophe protection [2] - Recent regulatory updates have expanded the coverage of urban and rural residential catastrophe insurance to include multiple disaster causes, enhancing the basic coverage levels [3] Group 3: Future Directions - The National Financial Supervision Administration aims to advance the top-level design of catastrophe insurance, enhancing the overall protection system and coordinating with relevant departments for effective disaster management [4] - Future initiatives will focus on utilizing technology for risk monitoring and rapid damage assessment post-disaster, alongside supporting risk evaluation and hazard identification efforts [4]

Core Insights - In 2024, China's direct economic losses from natural disasters reached 401.1 billion yuan, affecting 94.13 million people. The insurance sector is increasingly recognized for its role in managing catastrophic risks, enhancing social governance efficiency through market tools [1] Group 1: Catastrophe Insurance Development - Since 2008, the value of catastrophe risk management through insurance has gained prominence, becoming an essential part of the national disaster response system [1] - The insurance industry has established a catastrophe insurance community, implementing insurance schemes across various regions, and has covered 4.59 million people in 23 provinces and 137 cities [1] Group 2: Innovative Risk Management Model - A new model for catastrophe risk response has emerged, involving collaboration among seven parties, including emergency departments, meteorological agencies, local governments, insurance companies, mapping firms, technology companies, and research institutions [2] - The insurance companies act as coordinators, integrating theory, data, technology, and applications in disaster response, while emergency departments oversee resource management and meteorological agencies provide customized weather data [2] Group 3: Technological Integration and Efficiency - The model emphasizes precise and rapid simulation of rainstorm and flood scenarios, utilizing extensive data and advanced technologies to establish a simulation system for accurate risk assessment [2] - This approach allows for targeted disaster prevention and efficient resource allocation, improving the accuracy and speed of claims processing through technologies like Beidou positioning and IoT monitoring [2][3] Group 4: Positive Outcomes - The insurance industry's understanding of risk has significantly improved, leading to enhanced underwriting capabilities and optimized operational efficiency supported by technology and data [3] - Public satisfaction with the new model is high, with a reported satisfaction rate of 94.64% from third-party evaluations of catastrophe insurance performance [3]

Core Viewpoint - Catastrophe insurance is becoming increasingly important as extreme weather and natural disasters rise globally, with China facing significant challenges in its catastrophe insurance system despite recent policy advancements [2][4]. Group 1: Catastrophe Insurance Landscape in China - Over 70% of cities and more than 50% of the population in China are located in areas severely affected by natural disasters, highlighting the complex and concentrated nature of catastrophe risks [5]. - The catastrophe insurance system in China has been gradually improving, with significant developments such as the establishment of the earthquake catastrophe insurance community in 2016 and ongoing pilot programs in over 20 provinces [6]. - Despite a premium scale of 1.232 billion yuan and a compound annual growth rate exceeding 39% from 2014 to 2024, the insurance payout for natural disasters in China is only about 10% of the economic losses, compared to a global average of 50% [6]. Group 2: Regulatory Developments and Innovations - The Financial Regulatory Bureau has issued a notification allowing domestic insurance companies to issue "sidecar" insurance-linked securities in the Hong Kong market, which helps transfer risks to the capital market [3][4]. - "Sidecar" insurance-linked securities can provide additional protection for insurance companies, enhancing their financial stability and allowing them to share catastrophe risks with the capital market [4]. - The issuance of catastrophe bonds has been supported by recent regulatory changes, with the first catastrophe bond issued in Hong Kong in 2015 and subsequent issuances in 2021 and 2022 [9][10]. Group 3: Industry Trends and Future Outlook - The catastrophe bond market is expected to grow significantly, with predictions indicating a 20% increase in market size to approximately $60 billion by 2025 [10]. - The introduction of "sidecar" insurance-linked securities is anticipated to diversify capital markets and may lead to structural impacts on domestic stock markets, potentially attracting international capital back to mainland markets [11][12]. - The insurance industry is encouraged to adopt technology for risk management, shifting focus from post-disaster compensation to pre-disaster prevention, with companies like China Life and PICC developing advanced risk management platforms [7].

Core Insights - The 20th Central Committee of the Communist Party of China approved the "15th Five-Year Plan" for economic and social development, outlining major principles and strategic deployments for the period [2] Group 1: China Life Insurance - China Life emphasized the importance of implementing the spirit of the 20th Central Committee as a major political task, focusing on the financial insurance sector's role in the "15th Five-Year Plan" [4][5] - The company aims to enhance its core competitiveness and foster new growth drivers while ensuring high-quality development and risk management [5] Group 2: China People's Insurance - China People's Insurance Group highlighted its commitment to serving the real economy and the public, focusing on its core functions as an economic stabilizer and social stabilizer [3] - The company plans to support national strategies, enhance healthcare and pension services, and contribute to common prosperity and regional development [3] Group 3: China Pacific Insurance - China Pacific Insurance is set to actively participate in the Guangdong-Hong Kong-Macao Greater Bay Area development, focusing on its main responsibilities and enhancing risk management [6] - The company aims to support technological innovation and green development while increasing the supply of inclusive insurance products [6] Group 4: China Export & Credit Insurance Corporation - China Export & Credit Insurance Corporation plans to expand its export credit insurance coverage and scale, aligning with the "Belt and Road" initiative and promoting balanced trade [7] - The company is focused on high-quality development and ensuring the successful completion of its "14th Five-Year Plan" [7] Group 5: China Reinsurance - China Reinsurance aims to enhance its high-quality development by focusing on its reinsurance functions and aligning its "15th Five-Year Plan" with national strategic goals [8] - The company is committed to risk management and ensuring the completion of its annual objectives while preparing for the "15th Five-Year Plan" [8] Group 6: New China Life Insurance - New China Life Insurance is focused on integrating its development with national reforms, emphasizing the importance of the "insurance + investment + service" model [9][10] - The company aims to leverage its long-term capital to support new productive forces and contribute to social governance and financial stability [9][10]

Core Insights - The commercial insurance market in China has experienced significant growth, driven by economic development and social changes, with a focus on enhancing its role in key areas such as livelihood protection, disaster prevention, and agricultural insurance [1] Group 1: Insurance Industry Development - Experts at the National Commercial Insurance Development Seminar emphasized the need for the insurance industry to adhere to the principle of "insurance is for protection," ensuring that it aligns with national strategies and public welfare [2] - The demand for personal and family insurance products is rapidly increasing, yet there is a mismatch in the development of property insurance products and life and health insurance markets [2] - The insurance sector is encouraged to improve its service levels in livelihood protection, with suggestions to enhance disaster relief systems and integrate technology into risk management [2] Group 2: Long-term Care Insurance - Long-term care insurance is identified as a crucial component of social security, with participation from 27 insurance companies in trials across over 49 cities [3] - Challenges such as insufficient incentives, weak data foundations, high service costs, and outdated regulatory frameworks hinder the development of long-term care insurance [3] Group 3: Disaster Prevention and Risk Management - The insurance industry plays a vital role in disaster prevention and recovery, with over 29 billion yuan paid out in claims for major disasters in 2023 [4] - The current insurance compensation rate for disasters is significantly lower than international standards, indicating a need for improvement in the disaster risk management framework [4] - A multi-tiered insurance system is proposed, combining government assistance, commercial insurance, and policy-based insurance to enhance disaster risk management [5] Group 4: Agricultural Insurance - Agricultural insurance has seen substantial growth, becoming the largest market globally, but efficiency issues remain due to conflicting goals between government and insurance companies [7] - Recommendations include clarifying the nature of policy-based and commercial agricultural insurance, improving legal frameworks, and enhancing market regulation [7] - Specific challenges in livestock insurance, such as disease assessment and information asymmetry, require technological and regulatory solutions to ensure the sector's health [8] Group 5: Future Outlook - The commercial insurance sector is positioned to play a more significant role in China's modernization process, contributing to economic and social development through policy implementation, technological innovation, and systemic reforms [8]