Core Viewpoint - The rapid response and efficient claims processing by the catastrophe insurance consortium in Wenzhou during Typhoon "Danas" highlights the effectiveness of the catastrophe insurance system in providing economic compensation and stabilizing expectations during major disasters [1][2]. Group 1: Catastrophe Insurance Response - The catastrophe insurance consortium, consisting of six insurance companies, activated its emergency response mechanism immediately upon the formation of Typhoon "Danas," utilizing technology to complete claims payments of 2.1 million yuan swiftly [1]. - The consortium implemented a 24-hour dynamic monitoring system, leveraging big data for precise tracking of the typhoon's path and rainfall information [1]. - The first claim payment was processed in just 1 minute and 25 seconds, with subsequent claims also completed with "hour-level" response efficiency [1]. Group 2: Impact on Recovery - On July 9, the total claims amounting to 2.1 million yuan were fully paid out, aiding affected residents and businesses in quickly restoring their production and living conditions [2]. - The efficient claims payment was a result of the consortium's reliance on a fully online operational model, which simplified processes and reduced timeframes [2]. - By 2025, the consortium plans to further enhance its use of technological tools to optimize the entire disaster prevention and mitigation service system [2].

Core Viewpoint - The article emphasizes the urgent need to strengthen catastrophe insurance mechanisms in response to increasing extreme weather events and climate change, highlighting its role in safeguarding public safety and property [1][3]. Group 1: Catastrophe Insurance Development - Catastrophe insurance is recognized as an important economic stabilizer and social safety net, with recent events in Guangdong demonstrating its effectiveness in providing timely financial support during disasters [2][3]. - As of the end of 2024, catastrophe insurance in China has provided risk coverage for 64.39 million households, amounting to 22.36 trillion yuan, with expectations to exceed 70 million households by 2025 [3][4]. - The development of catastrophe insurance is transitioning from regional pilot programs to nationwide coverage, supported by policy initiatives and industry efforts [3][4]. Group 2: Product and Service Optimization - Catastrophe insurance focuses on proactive prevention rather than just compensation, with companies like PICC leading efforts to create a comprehensive risk management system that includes pre-disaster prevention, response, and post-disaster compensation [4]. - Technological advancements have significantly improved the efficiency of catastrophe insurance, with innovations such as catastrophe index insurance speeding up claims processes and enhancing disaster response [4][5]. - New index-based catastrophe insurance products are being developed to address various extreme weather events, leveraging big data and AI for better risk assessment and pricing [4]. Group 3: Reinsurance and Risk Management - Reinsurance plays a crucial role in the catastrophe insurance ecosystem, providing a mechanism for risk dispersion and supporting the stability of the insurance market [5]. - The establishment of specialized catastrophe risk management companies, such as Zhongcai Catastrophe Risk Management Co., enhances the capacity for managing and transferring catastrophe risks [5]. Group 4: Collaborative Efforts and Future Outlook - Despite progress, there is still significant room for improvement in the coverage and protection levels of catastrophe insurance, necessitating collaborative efforts among government, enterprises, and society [6][7]. - Future initiatives will focus on enhancing the catastrophe insurance system, improving public awareness of risks, and optimizing data-sharing platforms to better manage catastrophe risks [7]. - The ongoing development of standardized catastrophe insurance products and services aims to expand the scope and effectiveness of risk reduction efforts [7].

2023年7月28日，台风"杜苏芮"携狂风暴雨以最大15级风力从泉州晋江沿海登陆，成为1949年以来登陆 福建的第二强台风。因"杜苏芮"登陆强度大、移动速度慢、降雨量大，对省内多地造成严重灾害，约 266.69万人受灾，直接经济损失147.55亿元。 福建金融系统立足防大汛、抢大险、救大灾，一手抓防范和应对台风，一手抓筑牢金融"铜墙铁壁"，把 金融服务第一时间送到群众心坎上。《金融时报》记者近期重访风雨侵袭后的福建沿海地区，探寻福建 金融系统驰援灾后重建的故事。 百亿元资金筑牢首道防线 "原本那些泡发的皮革是要漂洋过海的，但台风把这些皮料变成了发霉的废料。"在泉州某鞋业公司厂 房，该公司负责人指着墙面上依稀可见的水渍线，回忆起两年前台风过境场景仍难掩心痛。这家专做欧 美市场的运动鞋制造商，因厂房进水导致部分生产设备瘫痪，出口订单面临违约。 当时，晋江农商银行的客户经理蹚着齐膝深的积水送来授信方案，企业主手机上的300万元"晋情助困 贷"到账提示音就像穿透云层的阳光，给公司带来了暖意。"晋情助困贷"是晋江市政府为缓解中小企业 融资压力推出的专项信用贷款产品，由晋江农商银行设立8亿元专项额度，按实际用信金额给予0 ...

Core Viewpoint - The insurance industry aims to play a crucial role in green finance by becoming a resilient recoverer of disaster risks, an important governor of environmental externalities, and a long-term investor in the green economy [1][2]. Group 1: Resilience to Disaster Risks - The insurance sector plans to enhance the policy standards and product systems for catastrophe insurance, focusing on developing a catastrophe risk quantification model suitable for China's disaster scenarios [1]. - There is an intention to strengthen the operational mechanism of the catastrophe insurance community and promote comprehensive multi-disaster catastrophe insurance [1]. Group 2: Governance of Environmental Externalities - Positive incentives will be created through the development of green insurance products such as new energy vehicle insurance and green building insurance, establishing a compensation mechanism for positive externalities [1]. - Negative constraints will be implemented via environmental pollution liability insurance, using rate levers to increase operational costs for high-emission enterprises, thereby establishing a corrective mechanism [1]. - The company plans to enrich the green insurance product system, focusing on ecological environment quality improvement and biodiversity protection, while exploring green insurance rate adjustment mechanisms [1]. Group 3: Long-term Investment in Green Economy - The insurance industry is set to become a long-term investor in the green economy, with investment scale exceeding 100 billion yuan in 2024 for green development [1]. - Innovative insurance solutions will be utilized to mitigate negative financial impacts from uncertainties, attracting more social capital into green low-carbon industries [1][2]. - Future initiatives include conducting carbon emission assessments for investment portfolios and exploring financing evaluations based on carbon performance to reduce asset portfolio carbon intensity [2].

"我们这边的苹果普遍在3月中下旬开花，到10月份收获采摘，中间要经历6到7个月的时间。在此过程 中，各种自然灾害和异常天气都可能影响苹果最终的产量和品质。造成风险概率最大的是冰雹，会影响 任一生长关键点；花期遭遇霜冻可能干扰疏花定果；如果膨大期遇上旱情，苹果品质也会受到较大影 响。"在采访某地苹果产业发展情况时，当地农业农村部门的负责人告诉《金融时报》记者。在之后的 实地调研中记者发现，不同苹果种植主体应对自然灾害可能造成风险损失的理念和举措有所不同。在地 方财政的补贴支持下，遭遇灾害相对频繁、通过农险赔付重获生产经营能力的农业主体，多数已培养起 投保政策性种植险的意识；前期投入较大的规模化种植主体更倾向于在信贷资金支持下搭建防雹网，以 物理方式降低冰雹灾害影响；当地中小银行机构也会在灾害发生后阶段性推出增信和续贷服务，支持更 多农户有序恢复生产生活。 拼好农业应灾资源"拼图" 随着金融助力农业减灾防灾的举措越来越丰富，如果只是"加大力度"，那么相应的投入产出效率只会走 低。如何配置好金融体系和非金融领域的农业应灾资源，是下一步要研究和实践的重要课题。 在近几年的采访中，记者发现，基于建设农业强国目标以及极端 ...

近年来，各类支持战略性新兴产业的保险产品、项目陆续落地深圳。如在科技保险方面，截至2024年 底，深圳市知识产权保费累计近8000万元，为17000余家企业提供风险保障近70亿元；今年4月，全国首 单"跨境电商保"保证保险落地深圳；5月24日，全国首单"低空天气保"落地深圳…… 到2035年，力争打造一批具有深圳辨识度的保险创新标志性成果，基本形成市场体系完备、产品服务丰 富、监管科学有效、具备较强国际竞争力的保险业新格局。 具体来看，《行动方案》围绕四大核心方向，一是围绕人民福祉，提升保险业服务民生保障水平。包 括：完善巨灾保险体系，提升防灾减灾能力；发展第三支柱养老保险，支持养老产业投资和服务整合； 优化健康保险服务，推动理赔直赔和产品创新；扩大普惠保险覆盖面，为特定群体和新市民提供专属保 障。 在保险业高质量发展的框架下，新"国十条"再次强调了保险业保障民生和服务实体经济的经济减震器和 社会稳定器功能。如在巨灾保险领域，2014年，深圳市在全国率先实施巨灾保险制度，通过政府向商业 保险机构购买巨灾保险的模式，逐步形成了财政支持下的多层次灾害风险分散机制。截至今年2月，巨 灾保险共救助29.15万人次，救 ...

2025年是"十四五"规划收官之年，也是"十五五"规划谋篇布局的关键节点。作为金融央企中国人民保险 集团（以下简称"中国人保（601319）"）的核心主业，中国人民财产保险股份有限公司（以下简称"人 保财险"）如何深刻领会党中央对经济形势的科学判断与周密部署，切实增强贯彻落实和改革发展的责 任感、使命感和紧迫感，进一步增强人民保险服务人民的积极性和主动性，以实际行动落实好党中央决 策部署？ 近日，中国人保党委委员、副总裁兼人保财险党委书记、总裁于泽在接受《金融时报》记者专访时表 示，围绕中国人保建设功能卓著、运营高效、主业鲜明、治理现代、具有国际竞争力的世界一流保险金 融集团目标方向，人保财险坚持干字当头、增强信心，奋发有为、砥砺前行，以行业"头雁"姿态充分发 挥保险经济减震器和社会稳定器功能，以高质量发展实际成效服务推进中国式现代化，助力强国建设和 民族复兴伟业。 《金融时报》记者：2025年是"十四五"规划收官之年。人保财险如何深刻把握做好经济工作的总体要求 和政策取向，进一步增强人民保险服务人民的积极性和主动性？在具体实践层面，人保财险怎样建立适 配多领域需求的财险保障体系，充分发挥保险经济减震器和社会 ...

眼下，我国处于绿色低碳转型的关键期，亟须通过推动传统行业转型、发展绿色环保产业等途径促进产 业体系绿色升级，通过碳交易市场等基础制度安排，构建现代化产业体系与生态环境治理深度融合的新 格局，协同推进降碳减污扩绿增长。这些目标的实现，离不开金融市场的有效支持。在各类政策指引和 支持下，我国绿色金融市场呈现量质同增态势，绿色保险也取得长足发展。 推动传统行业绿色低碳转型，培育绿色低碳效应明显的战略性新兴产业、行业领军企业，往往需要较大 体量的中长期资金支持，但目前绿色信贷面临评价标准体系不完善、不细化，信息不对称现象突出等挑 战。保险业凭借其环境风险评估体系和能力，为企业提供ESG整体风险评价、全生命周期的保险保障与 风险管理等服务，并将评价结果融入保险费率厘定过程；银行基于贷款企业的ESG表现情况和评价结 论，为贷款企业提供信用贷款、利率优惠、绿色审批通道等一系列差别化服务。这种"ESG贷款+保 险"模式，为企业提升可持续发展能力提供了自驱力，并降低了企业融资成本、提高了融资可及性，也 成为构建开放、共享、协同的绿色金融生态系统的生动实践。 丰富绿色保险产品体系很有必要。一方面，行业可加强对绿色低碳科技创新、绿 ...

Core Viewpoint - China Pacific Insurance (CPIC) emphasizes its role in climate risk management and green finance, showcasing its innovative insurance products and services to enhance disaster prevention and mitigation capabilities in response to climate change [1][2][3]. Group 1: Climate Risk Management - CPIC highlights the importance of insurance in disaster risk management, stating that its value extends beyond post-disaster compensation to include enhancing societal resilience through innovative products [1][2]. - The company has initiated various innovative catastrophe insurance products and established a comprehensive risk reduction management system to support economic and social resilience against climate change [3][4]. Group 2: Green Insurance Development - Since 2020, CPIC has strategically focused on green insurance, establishing a dedicated research department and collaborating with universities and international reinsurance companies to innovate in this area [2][4]. - In 2024, CPIC's green insurance premium income is projected to exceed 60 billion yuan, representing a 16.5% year-on-year growth and accounting for 30.4% of its overall business, securing the second-largest market share [2]. Group 3: Technological Empowerment - CPIC has developed a comprehensive risk reduction solution covering the entire process from prevention to compensation, including the "Risk Radar" platform that provides tailored weather alerts and risk reduction services to nearly 600,000 enterprises [4][5]. - The company has formed extensive partnerships with research institutions and meteorological departments to enhance its climate risk research and improve catastrophe assessment models [5]. Group 4: Support for Western Development and Belt and Road Initiative - CPIC is committed to supporting the development of the western region of China and the Belt and Road Initiative by providing comprehensive insurance coverage for infrastructure and logistics projects [6][7]. - The company has provided over 530 billion yuan in risk coverage for cross-border rail transport and has supported more than 1,300 major projects across over 160 countries and regions [6][7]. Group 5: Future Initiatives - CPIC plans to launch more innovative cross-regional insurance products to support industrial upgrades and enhance risk management for enterprises venturing abroad [7]. - The company aims to deepen its integration of technology and insurance, utilizing satellite and security technologies to monitor overseas project operations and preemptively address disaster risks [7].

编者按： 保险业新"国十条"已实施半年多，金融监管总局细分政策密集落地。保险业服务实体经济有哪些新探 索？创新过程中面临哪些新挑战？细分监管政策又取得哪些成效？近期，上海证券报记者走访调研四 川、广东、山东、天津等地的创新实践，实探保险业在改革创新中展现的新活力，以及服务实体经济高 质量发展的新路径。 ◎记者 韩宋辉 四川成都的小邓送外卖时发生交通意外事故，导致职业伤害四级伤残，每月可领3700多元的职业伤害保 障伤残津贴。在成都市锦江区惜子宫南街5号，有一个专门经办职业伤害保障业务的便民利民窗口，上 海证券报记者在现场看到，很多快递员、外卖员、网约车司机都在这里咨询、办理职业伤害保障。 2024年11月，四川金融监管局与四川省财政厅印发方案，将各类地质灾害纳入城乡居民住宅巨灾保险， 并提升保障金额。"在落实四川省方案的基础上，我们加大对农村住宅巨灾保险的保费补贴比例，农村 居民参保第一份，保费补贴提高至75%。"国家金融监督管理总局阿坝监管分局表示，同时鼓励农村居 民购买第二份保险，保费补贴60%。 5月4日，阿坝州汶川县突发大风灾害，造成县域内多处民房受损。"人保财险的理赔人员第二天就到现 场勘查了，对我 ...