"十四五"以来，冬小麦干热风预警提示农业农村部门及时采取"一喷三防"等措施，助力粮食增收83亿 斤。围绕能源保供，气象服务能源产-供-储-销全链条，支撑2000多个新能源场站利用风、光资源精准发 电调度。围绕交通保畅，气象、公安、交通运输部门建立"一路三方"预警联动机制，优化提升路段的交 通事故数量同比下降51%。围绕新质生产力保稳，开发巨灾保险、天气衍生品、气候投融资等绿色和普 惠的金融气象服务产品，服务金融高质量发展，推进"气象数据要素×"行动，有力支撑低空经济、新能 源产业等多个行业领域。 南都讯 记者王玮 发自北京 10月11日，国新办召开"高质量完成'十四五'规划"系列主题新闻发布会，介 绍"十四五"时期气象高质量发展情况。中国气象局局长陈振林表示，在守护生命安全方面，各地政府均 建立了以气象预警为先导的应急响应联动机制，气象灾害防御纳入基层综合防灾减灾体系。气象联合水 利、自然资源等部门共同制作发布山洪和地质灾害风险预警，强化直达基层的临灾预警"叫应"机制，形 成防灾减灾工作闭环。 陈振林表示，"十四五"时期，因气象灾害造成的经济损失占GDP比例平均下降0.12个百分点。 在助力生产发展方面，气象 ...

10月5日14时50分前后，今年第21号台风"麦德姆"在湛江市徐闻县东部沿海登陆，登陆时中心附近最大 风力14级，狂风暴雨严重影响人民群众生命财产安全。《中国银行保险报》记者了解到，湛江金融监管 分局按照广东省、湛江市及广东金融监管局应对台风"麦德姆"相关工作部署，指导辖内金融监管支局和 保险机构迅速开展台风防范应对和保险理赔，有效发挥保险业防灾减灾救灾功能，助力企业恢复生产和 人民群众恢复生活秩序。截至10月6日18时，湛江全辖保险业累计接到台风"麦德姆"报案5816件，估损 金额约1.32亿元，台风登陆后27个小时已支付保险赔款6524.84万元（含预付赔款2114.43万元）。其 中，农业保险报案278件，估损金额3481.11万元，已支付赔款2218.18万元（755万元为海洋牧场保险预 赔款）；巨灾保险已完成赔付4280万元。（中国银行保险报） ...

Core Insights - The insurance industry in China has solidified its position as the second-largest insurance market, with cumulative payouts reaching 9 trillion yuan, a 61.7% increase compared to the "13th Five-Year Plan" period [1] - By the end of Q2 2025, total assets of insurance companies and insurance asset management companies are projected to reach 39.2 trillion yuan, reflecting a 9.2% growth from the beginning of the year [1] Group 1: Social Security and Health Insurance - Urban and rural residents' major illness insurance provides further protection against high medical costs, with the government overseeing policy formulation and commercial insurance institutions managing the projects [2] - As of now, major illness insurance has served 1.22 billion urban and rural residents [2] - The "Guiding Opinions on Promoting High-Quality Development of Inclusive Insurance" emphasizes broad coverage, affordability, and fairness in insurance services [3] - Commercial health insurance has provided a total of 1.8 trillion yuan in economic compensation to patients over the past five years [3] Group 2: Long-term Care Insurance - Shandong Jining has initiated commercial insurance institutions to manage long-term care insurance, benefiting over 5,000 individuals with total expenditures of 95 million yuan [4] - The insurance sector is innovating various commercial pension products to address the challenges of an aging population, with accumulated reserves in commercial pension and health insurance reaching 11 trillion yuan [4] Group 3: Agricultural Insurance - Agricultural insurance has provided risk protection for 800 million farming households, with a 72% increase in average coverage for major grain crops during the "14th Five-Year Plan" [6] - The implementation of comprehensive cost and income insurance for major grain crops has been expanded nationwide, providing significant economic compensation to farmers affected by disasters [6][7] Group 4: Disaster Risk Management - The insurance industry has paid out over 150 billion yuan for natural disasters, ensuring prompt and reasonable compensation [7] - A national catastrophe insurance system is being established to enhance disaster prevention and relief efforts [7] Group 5: Support for the Real Economy - The insurance sector is actively addressing the risk management and financing needs of key national projects, including the Belt and Road Initiative [8] - China Export & Credit Insurance Corporation (Sinosure) reported a 10% year-on-year increase in insured amounts, reaching 1.0214 trillion USD in 2024 [8][10] - Sinosure's support for the largest wind power project in Kazakhstan demonstrates the role of insurance in facilitating international projects and enhancing credit risk management [9]

● 本报记者 薛瑾 对于下一步商业养老保险、第三支柱建设、产品和服务创新，周延礼表示，要注重针对老年人专属疾病 险的开发，在投保年龄放宽问题上做出成绩，满足老年人的保障需求。 周延礼还表示，近年来绿色保险呈现快速增长态势，2024年保费达3331亿元，中国已经成为全球最大的 绿色保险市场。未来，保险业应进一步聚焦绿色保险、绿色投资、ESG投资等重点领域。 在科技保险方面，周延礼认为，保险业应紧跟科技发展趋势，开发更多针对新技术、新产业的保险产 品；加强与科技企业合作，利用科技手段提升保险服务效率和精准度。此外，巨灾保险未来也应该成为 保险业发展的重要课题。 周延礼建议，保险业应提升长期投资占比，优化资产结构，提高保险资金投资收益和稳定性，降低资产 负债错配风险；在负债端，应确保保险业务资金流稳定，保障保险责任履行；根据市场变化和公司经营 状况，动态调整资产负债结构，实现平衡发展。 9月28日，原中国保监会副主席周延礼在"长钱 长投 长青"2025保险业、信托业高质量发展大会上表示， 保险业实现高质量发展，需要坚持政治性、人民性、专业性，践行金融为民、保险姓保，创造性地发挥 经济减震器和社会稳定器的作用，对国家 ...

Summary of Key Points Core Viewpoint - The insurance industry in Guangdong and Shenzhen has reported significant claims and losses due to Typhoon "Haikui," with a total of 12,456 claims and estimated losses of approximately 2.55 billion yuan as of September 25 [1] Group 1: Guangdong Insurance Industry Impact - As of September 25, the Guangdong financial regulatory bureau reported 11,400 claims with an estimated loss of 229 million yuan, and insurance payouts totaling 2.13 million yuan [1] - Breakdown of claims in Guangdong includes: - Auto insurance: 9,810 claims, estimated loss of 96.01 million yuan, payouts of 1.21 million yuan [1] - Agricultural insurance: 920 claims, estimated loss of 42.44 million yuan, payouts of 1.97 million yuan [1] - Corporate property insurance: 431 claims, estimated loss of 36.02 million yuan, payouts of 86,000 yuan [1] - Catastrophe insurance: 3 claims, estimated loss of 44.4 million yuan, payouts of 1.8 million yuan [1] Group 2: Shenzhen Insurance Industry Impact - The Shenzhen financial regulatory bureau reported 1,456 claims with an estimated loss of 25.99 million yuan, and insurance payouts totaling 192,600 yuan as of September 25 [1] - Breakdown of claims in Shenzhen includes: - Auto insurance: 1,082 claims, estimated loss of 9.91 million yuan, payouts of 37,000 yuan [1] - Corporate property insurance: 119 claims, estimated loss of 7.13 million yuan, payouts of 200 yuan [1] - "Shenzhen Huijia Bao" reported 47 claims, estimated loss of 69,300 yuan, payouts of 38,300 yuan [1]

面对严峻的台风形势，金融监管总局财险司向各地方金融监管局、财产险公司下发《关于切实做好"桦 加沙"台风灾害应对和保险理赔服务工作的通知》（下称《通知》），要求行业加强监测预警，强化应 对准备，畅通理赔通道。 各大保险机构闻"风"而动，第一时间启动大灾应急响应机制，集结理赔、承保、客服等多部门，多措并 举筑牢安全堤坝。截至9月25日10时，广东金融监管局辖内保险业累计接到报案1.14万件，估损金额2.29 亿元，已支付保险赔款2125.88万元。 保险机构迅疾行动 台风过境，往往会给人民群众的生命财产安全造成严重威胁。作为经济减震器和社会稳定器，保险业在 抗击自然灾害中一直发挥着不可替代的作用。 在应急准备方面，《通知》明确，要用好风险隐患排查成果，做好风险识别评估和动态分析；科学合理 调配查勘救援车辆、理赔工作人员和大额赔付资金等各项资源，做好应急保障工作，确保遇有突发险 情、灾情能迅速有力应对处置；强化行业内部协同，共享救灾资源，充分运用大灾车辆损失查勘互认等 机制，有效发挥保险业的经济减震器和社会稳定器功能。 在理赔服务方面，《通知》要求，要密切跟踪台风灾情进展，提前储备查勘工具，加大应急资源调配， 畅通 ...

Core Insights - The insurance industry faces significant challenges due to frequent climate risks, highlighted by the impact of Typhoon "Haikui" on southern China and the need for improved risk management capabilities [1][3] - The establishment of a multi-layered risk-sharing mechanism involving direct insurance companies, catastrophe co-insurance, reinsurance companies, catastrophe bonds, special funds, and government support is crucial for building a "climate-adaptive society" [1][3] - The development of intelligent risk control systems is accelerating within the insurance sector, with companies leveraging AI and big data to enhance risk management and shift from post-disaster compensation to proactive risk prevention [3][4][7] Insurance Industry Developments - Guangdong province has pioneered catastrophe insurance trials, accumulating premiums of 860 million yuan and payouts of 1.93 billion yuan from 2022 to 2024 [1] - The insurance industry is increasingly adopting digital tools such as satellite remote sensing and big data analytics to improve risk identification, monitoring, and early warning capabilities [3][6] - Companies like Ping An have developed systems like the "Eagle Eye" to provide real-time flood forecasts and enhance risk reduction services [4][6] AI and Risk Management - The emergence of the "AI+" era presents new opportunities for the insurance and asset management sectors, particularly through the development of Large Risk Models (LRM) that can enhance risk visibility and management [2][8] - Traditional risk models are being re-evaluated as they struggle to adapt to the complexities of extreme weather events, prompting the need for AI integration to improve flexibility and responsiveness [8][9] - The potential for AI-driven LRM to provide real-time monitoring and dynamic assessment of risk exposure is being explored, with the aim of transitioning from post-event compensation to preemptive measures [9][10] Future Outlook - The Chinese government's "AI+" strategy emphasizes the application of AI in risk prevention, indicating a shift towards integrating advanced technologies into the insurance sector [11] - The development of AI-driven LRM is expected to become a core infrastructure for risk management in the insurance industry, fostering a new paradigm of "insurance + technology" [11]

Group 1 - The 18th typhoon "Haikashan" is expected to make landfall in Guangdong from September 23 to 25, with wind speeds reaching 10 to 16 levels and gusts exceeding 17 levels [1] - The insurance industry is proactively preparing for the typhoon, with companies like Ping An Property & Casualty Insurance identifying high-risk clients and initiating risk reduction measures [1][4] - The China Insurance Regulatory Commission has issued a notice to enhance monitoring and response measures, ensuring smooth claims processes for affected individuals [4] Group 2 - China Pacific Insurance has already received 325 claims related to the typhoon by September 24, with 287 claims from auto insurance, 35 from non-auto insurance, and 3 from agricultural insurance [4] - China Life Property & Casualty Insurance has activated a green claims channel, facilitating prompt payments to clients even before the typhoon made landfall, with a total of 6.5 million yuan paid out [5] - Weather index insurance is highlighted as an innovative product that allows for automatic payouts based on predefined weather conditions, streamlining the claims process [5] Group 3 - The insurance industry is transitioning from a reactive claims model to a proactive risk management approach, focusing on pre-warning, prevention, and post-compensation [6][7] - Guangdong has implemented a comprehensive family insurance program to cover common risks, including those from natural disasters, enhancing community resilience [7] - A multi-layered disaster insurance system has been established in Guangdong since 2016, combining fiscal support with catastrophe index insurance to distribute risks from major natural disasters [7][8]

Core Insights - The total assets of China's banking and insurance sectors have exceeded 500 trillion yuan, with an average growth of nearly 9% over the past five years, solidifying its position as the world's largest credit market and the second-largest insurance market [2] - The insurance industry has played a significant role in stabilizing the economy, providing 17 trillion yuan in new funds to the real economy through various financial instruments [4] - Insurance companies' investment in advanced manufacturing, technological innovation, and green low-carbon sectors has increased, with total investment in stocks and equity funds exceeding 5.4 trillion yuan, marking an 85% increase from the end of the 13th Five-Year Plan [5] Banking and Insurance Sector Performance - The banking and insurance sectors have provided substantial funding to key areas, with annual growth rates of 27.2% for scientific and technological loans, 21.7% for medium- and long-term loans in manufacturing, and 10.1% for infrastructure loans [5] - The cumulative compensation from the insurance industry reached 9 trillion yuan over five years, a 61.7% increase compared to the previous five-year period [5] - The insurance sector's premium income has shown steady growth, with figures reaching 44.9 billion yuan in 2021 and projected to grow to 56.9 billion yuan in 2024, reflecting an increase in growth rate from 4.0% to 11.15% [6] Risk Management and International Participation - The industry has enhanced its risk management capabilities, with key regulatory indicators such as non-performing loans and capital adequacy remaining stable and within a "healthy range" [6] - The international presence in China's financial market has increased, with 43 of the world's top 50 banks and half of the largest 40 insurance companies establishing operations in China [6] - The introduction of catastrophe insurance has expanded coverage for common natural disasters, providing 22.36 trillion yuan in risk protection for 64.39 million households starting in 2024 [6]

Core Viewpoint - The article emphasizes the importance of green finance, particularly green insurance, in supporting the transition to a sustainable economy and enhancing the quality of financial development in Guangzhou [4][5][6]. Summary by Sections Green Insurance Understanding - Green insurance has evolved from a narrow focus on climate-related products to a broader role in supporting sustainable development and the "dual carbon" goals set by the Chinese government [4][5]. Role of Financial Support - Financial support, particularly from the insurance sector, is crucial for the green transition, acting as a stabilizer and risk mitigator in the economy [5][6]. Development of Green Insurance - The China Banking and Insurance Regulatory Commission has defined green insurance, which includes products and services that provide risk protection and financial support for environmental protection and sustainable practices [5][6]. Directions for High-Quality Development - The insurance industry can promote high-quality green insurance development through: 1. Innovating green insurance products tailored to low-carbon transitions [7]. 2. Enhancing risk management services to mitigate environmental and climate risks [7]. 3. Building a robust green investment framework to support financing needs [7]. 4. Integrating green principles into daily operations and advocating for sustainable practices [7]. Specific Initiatives by Ping An Property & Casualty - Ping An Property & Casualty has committed to supporting green industries and low-carbon transitions, with a risk coverage amount exceeding 12 trillion yuan and claims exceeding 2.8 billion yuan in 2024 [8][9]. - The company has established a sustainable development research institute and a dedicated green finance department to enhance its capabilities in this area [8]. Technological Integration - The company has utilized technology to improve disaster risk management, including the development of the Eagle Eye System 3.0, which integrates AI and big data for disaster prediction and risk assessment [11][12]. Support for Ecological Agriculture - Ping An Property & Casualty has developed innovative insurance products for ecological agriculture, including forest carbon index insurance and comprehensive insurance for ancient trees [13][14]. Community Engagement and Environmental Initiatives - The company has engaged in community initiatives, such as funding tree planting and providing insurance for ancient trees, contributing to the ecological development of Guangdong [14][15].