北京商报讯(记者李秀梅)1月6日，广东金融监管局官网公布《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》(以下简称《指导意见》)。 《指导意见》提出，推动灾害保险保障体系建设，健全完善巨灾保险、灾害民生保险、政策性农房保险 等制度，加大财政支持力度，积极推进"灾害救助+金融保险"试点工作。探索在省级层面建立巨灾保险 共保体，鼓励健全多方参与、风险分散的巨灾保险保障体系，强化数据回溯，优化产品体系，探索巨灾 保险可持续发展路径。探索开展农村公路灾毁保险，拓展灾后修复资金筹措渠道，提升灾后重建效率。 优化保险大灾服务，加强常态化风险减量管理，统筹保险业大灾应急资源，科学建设救灾物资应急仓。 建立与各级地方政府大灾应急管理体系协同响应的工作机制，强化跨部门协同，提升大灾保险服务工作 效率。优化保险业大灾防御协同和车险查勘理赔互认工作机制，持续提升灾前防灾减损、灾中应急救 援、灾后及时赔付相结合的保防救赔一体化服务能力。完善灾后保险预赔付机制，做到应赔尽赔、能赔 快赔、合理预赔。 ...

北京商报讯（记者 李秀梅）1月5日，国务院办公厅印发《国家低温雨雪冰冻灾害应急预案》指出，金 融监管总局负责指导开展低温雨雪冰冻灾害相关保险工作，督促、指导保险公司做好灾区保险理赔和给 付服务工作。以巨灾保险为重点推动灾害保险保障体系建设，金融监管总局指导保险机构做好理赔和给 付服务工作，完善预赔机制和理赔程序，做到应赔尽赔、能赔快赔、合理预赔；指导银行加大信贷资金 支持力度。国家防灾减灾救灾委员会相关成员单位加强低温雨雪冰冻灾害防范应对科普宣教和培训工 作，利用各种媒体宣传相关法律法规、应急预案和灾害预防、避险、避灾、自救、互救、保险常识，加 强对责任人和抢险救援救灾人员的业务培训，提高全社会防灾避险意识和自救互救能力。 ...

Core Insights - The article emphasizes the importance of regulatory measures in the insurance industry, focusing on compliance, product innovation, and market adaptation to enhance consumer protection and industry stability. Regulatory Measures - The integration of insurance and banking is a key regulatory policy aimed at standardizing rates and managing costs, which is essential for curbing irrational competition in the market [1] - Compliance supervision has intensified, as evidenced by penalties against executives and companies like Evergrande Life, highlighting the regulatory authority's commitment to industry health [1] - The classification and tiered regulation optimize supervisory authority allocation, improving precision and efficiency in line with the diverse development of industry institutions [1] Product Innovation - Participating insurance products have become mainstream, with new policies accounting for over 40% of the market, reflecting consumer demand for wealth accumulation [1] - Health insurance is supported by policies that expand coverage, with the introduction of innovative drug lists, serving as a crucial growth engine for the industry [1] - Long-term care insurance has been fully implemented, covering 190 million people, addressing the long-term care protection gap and enhancing the multi-tiered social security system [1] Market Adaptation - Premiums for new energy vehicle insurance have increased by 41.44% year-on-year, indicating a shift towards independent operating models that align with the development of the new energy vehicle industry [1] - The insurance sector is responding to the aging population trend by strategically positioning itself in retirement finance, including profitable senior living communities with occupancy rates exceeding 80% [1] - Inclusive insurance products, such as home and education insurance, are expanding to cover broader demographics, reflecting the industry's social responsibility [1] Technological Integration - The integration of AI in insurance processes enhances underwriting, claims, and service delivery, driving the industry's digital and intelligent transformation [1] - Data security insurance is becoming increasingly relevant due to rising risks of data breaches and cyberattacks, with policies tailored to meet these emerging needs [2] Risk Management - The solvency ratio remains a core indicator for risk management in insurance companies, with ongoing regulatory assessments reinforcing the industry's ability to withstand risks [1] - Catastrophe insurance is being developed to address risks from natural disasters, filling gaps in traditional insurance coverage through a combination of policy guidance and market operations [2] Cross-Border Opportunities - International insurers like AIA and Allianz are increasing their presence in the Chinese market, showcasing the industry's openness and enhancing market supply through innovative cross-border medical insurance [2]

与此同时，由包括中国人民银行在内的全球多国央行和金融监管机构共同发起的绿色金融体系网络 （NGFS），已成为推动气候风险纳入金融监管与决策框架的国际核心平台。该平台为各国提供气候情 景模型、风险评估方法及监管政策指引，显著提升了全球气候治理的协同性和科学性。 我国高度重视气候变化与金融稳定之间的关联性。近年来，《气象高质量发展纲要（2022—2035年）》 《关于加强金融气象协同联动服务经济社会高质量发展的指导意见》等绿色金融相关政策相继出台，将 气候风险纳入宏观审慎管理，推动建立气候风险压力测试体系和绿色金融统计监测机制。在此背景下， 银行机构探索创新气候友好型绿色金融和转型金融产品，扩大"气候贷"系列产品服务领域；保险机构深 化与气象部门合作，发展气象指数保险、巨灾保险、巨灾债券等产品，优化气象灾害风险减量服务，提 高保险全链条气象服务水平。 保险是直接承担气候风险损失的金融机构，而再保险作为"保险的保险"，是风险最终的汇聚者和全球分 散者，有助于提升保险业的承保能力，防范重灾大灾造成的系统性风险。庄乾志建议，未来，再保险应 利用业务中立性特点，积极推动行业协同、制定行业标准，提升整个金融体系的韧性。具体 ...

Global Insurance Market Overview - The global insurance premium growth is expected to slow down over the next two years, with total premium growth rate projected to decline from approximately 3.1% in 2025 to 2.3% in 2026-2027 [1][2] - Life insurance is anticipated to accelerate, with premium income growth expected to rise to about 2.5% during the same period, driven by high interest rates and increasing demand for retirement and health coverage due to aging populations [2] - Non-life insurance growth is projected to slow to around 2.1%, impacted by intensified competition in developed markets and declining rate cycles, although long-term demand for risk coverage in emerging sectors like AI will support this segment [2] Risk and Challenges - The complexity and cost of risks are increasing, with annual insurance losses from natural disasters exceeding $100 billion and approaching $150 billion, while about half of economic losses globally remain uninsured, particularly in emerging markets [3] - The interconnected nature of risks and underestimation of certain risks are highlighted, with new risks emerging from sectors like AI and energy transition, challenging traditional pricing models and underwriting capabilities in the insurance industry [3] Opportunities in the Chinese Insurance Market - The Chinese insurance market, particularly the property insurance sector, is viewed as a significant growth area, with average annual premium growth expected to remain between 5% and 6% from 2025 to 2030, significantly higher than the global average [4] - Five key thematic opportunities are identified: disaster prevention and reduction, green development, rural revitalization and agricultural modernization, overseas investment by Chinese enterprises, and industrial modernization in emerging technologies [4][5] - The profitability foundation of the Chinese insurance market is strengthening, with reforms in auto insurance and the application of AI in underwriting and claims management expected to optimize costs and lead to sustainable underwriting profits by 2027 [5]

12月10日至11日，中央经济工作会议在北京举行。在部署明年经济工作的重点任务时，会议鲜明地提出 了"坚持民生为大"的导向，强调要努力为人民群众多办实事。从鼓励支持灵活就业人员参加职工保险， 到深化医保支付方式改革、推行长期护理保险制度，再到扎实做好安全生产与防灾减灾工作，这一系列 部署不仅是一份沉甸甸的"民生任务书"，更是金融行业，特别是保险行业转型升级、实现高质量发展 的"核心路线图"。 民生是经济发展的指南针（300803），也是社会稳定的压舱石。在当前宏观经济回升向好但仍面临挑战 的背景下，将金融资源精准配置到民生领域，不仅体现了金融工作的政治性和人民性，更是激活内需潜 力的关键一招。金融机构必须深刻认识到：算好"民生账"，就是算好最大的"经济账"；守住"民生底 线"，就是守住最稳的"发展高线"。 金融支持民生，首在织密"保障网"，让奋斗者无后顾之忧。会议特别提到要"实施稳岗扩容提质行 动""鼓励支持灵活就业人员、新就业形态人员参加职工保险"。随着外卖骑手、网约车司机等新就业群 体日益庞大，传统的社保体系和商业保险模式面临挑战。这就要求金融机构，特别是保险行业，打破传 统的思维定式，开发更具普惠性、灵 ...

Core Viewpoint - The forum emphasized the importance of establishing a multi-layered disaster insurance system in China to enhance the insurance industry's capabilities in disaster prevention and risk reduction [3][4][10]. Group 1: Forum Overview - The "5th National Disaster Governance and Risk Protection Forum" was held in Beijing, co-hosted by the China Disaster Prevention Association, Central University of Finance and Economics, and China Reinsurance (Group) Corporation [1][7]. - Key figures from various sectors, including government and academia, participated in discussions focused on improving China's disaster insurance framework [3][9]. Group 2: Key Themes and Recommendations - Zheng Guoguang, President of the China Disaster Prevention Association, highlighted the need for innovative cooperation mechanisms and enhancing the professional capabilities of the disaster insurance sector [4][10]. - The forum discussed the importance of a government-led and market-driven approach to create diversified risk transfer channels and increase the supply of insurance and reinsurance [4][10]. - Emphasis was placed on strengthening inter-departmental collaboration among various sectors such as finance, agriculture, and emergency management to improve disaster insurance specialization [4][10]. - The need for grassroots emergency response capabilities and ongoing training in disaster prevention and risk reduction for the insurance industry was also underscored [4][10]. Group 3: Research and Development Initiatives - The China Disaster Prevention Association aims to collaborate with educational and research institutions to advance studies on disaster governance and risk protection systems [6][12]. - The release of the "Research Report on Natural Disaster Risks and Insurance Protection (2023-2024)" was a significant outcome of the forum, showcasing collaborative research efforts [6][12]. - The forum included parallel sessions on topics such as catastrophe insurance, agricultural insurance, and safety production liability insurance, indicating a comprehensive approach to disaster risk management [11].

Core Insights - Hainan Province has achieved full coverage of catastrophe insurance across all 19 cities and counties, with the policy set to take effect on November 1, 2025, marking a significant advancement in utilizing insurance mechanisms to address major natural disasters [1] Group 1: Insurance Implementation - The Hainan Financial Regulatory Bureau has collaborated with the Provincial Finance Department to issue the "Hainan Province Catastrophe Insurance Implementation Plan," aimed at enhancing the role of insurance in disaster management [1] - The optimized catastrophe insurance plan has three major improvements: expansion of coverage from pilot areas in Wenchang and Qionghai to the entire province, inclusion of major natural disasters such as typhoons, floods, and heavy rain, and coverage of residential housing loss, household property loss, and personal injury compensation [1] Group 2: Coverage and Compensation - The specific coverage standards include a maximum compensation of 40,000 yuan for residential housing loss per household, 5,000 yuan for household indoor property loss, and 200,000 yuan for personal injury compensation per household [1] - The insurance plan introduces a differentiated risk coefficient design, allowing for precise pricing based on the risk characteristics of each city and county, with an annual premium total of 88 million yuan and a compensation limit of 1 billion yuan over a 5-year insurance period [1] - The expected compensation rate for housing and indoor property loss is projected to reach the international average level of 30% [1]

Core Insights - The Chinese insurance industry is actively supporting high-level opening up and providing risk protection for cross-border trade and Belt and Road Initiative projects, with risk coverage amounting to $2.37 trillion and $1.14 trillion respectively [2][7] Group 1: Social Responsibility and Industry Performance - The China Insurance Industry Association (CIIA) released the "2024 China Insurance Industry Social Responsibility Report," marking the sixth consecutive year of such reports, detailing the industry's initiatives and performance in fulfilling social responsibilities [2] - The report focuses on seven areas, including national strategy support, public welfare enhancement, emergency management optimization, corporate governance, consumer protection, cultural cultivation, and foreign trade and investment stability [2] Group 2: Investment and Financial Performance - The insurance sector has leveraged its long-term investment capabilities, with long-term equity investments reaching ¥2.46 trillion, and investments in strategic emerging industries and rural revitalization increasing significantly [3][5] - By the end of 2024, the insurance industry provided risk coverage of ¥159.65 trillion for property insurance and ¥85.69 trillion for cargo transportation insurance, with claims payouts of ¥331.92 billion and ¥167.29 billion respectively [3] Group 3: Health and Pension Services - The industry is focusing on health and pension insurance, with 130 new elderly community projects established, a 38% increase year-on-year [5] - In 2024, the number of new long-term health insurance policies reached 44.89 million, with a total insurance amount of ¥150.30 trillion, and life insurance policies reached 67.03 million, with a total insurance amount of ¥18.68 trillion [5][6] Group 4: Disaster Insurance and Risk Management - New regulations for disaster insurance were introduced, doubling the basic insurance amount for natural disasters, providing coverage for 64.39 million households with a total of ¥22.36 trillion in disaster risk protection [6] - Liability insurance provided coverage of ¥70.53 trillion, with claims payouts increasing by 12.34% year-on-year [6] Group 5: Foreign Investment and International Cooperation - The insurance industry is enhancing its reform and innovation efforts, with foreign insurance institutions in China experiencing an 18% growth in business, surpassing the national average [7] - The industry participated in 884 international exchange events in 2024, a 14% increase, and provided risk protection for cross-border trade and Belt and Road projects, reflecting a commitment to international cooperation [7]

Core Insights - The China Insurance Industry Association released the "2024 China Insurance Industry Social Responsibility Report," highlighting the industry's efforts and achievements in fulfilling social responsibilities in 2024 [1][2][3] Group 1: Risk Protection - In 2024, property insurance provided coverage amounting to 159.65 trillion yuan, with claims paid out totaling 33.19 billion yuan [1] - Cargo transportation insurance offered coverage of 85.69 trillion yuan, with claims amounting to 16.73 billion yuan [1] - The insurance industry provided approximately 9 trillion yuan in technology insurance coverage [1] - Long-term health insurance saw 44.89 million new policies issued, with a total insurance amount of 150.30 trillion yuan and claims paid of 11.88 billion yuan, reflecting a year-on-year growth of 3.07% [2] - Life insurance issued 67.03 million new policies, with a total insurance amount of 18.68 trillion yuan and claims paid of 84.49 billion yuan, showing a significant year-on-year increase of 53.83% [2] Group 2: Investment Utilization - By the end of 2024, the stock balance of life and property insurance companies reached 2.43 trillion yuan, with securities investment funds at 1.68 trillion yuan and long-term equity investments at 2.46 trillion yuan [1] - The insurance industry invested over 430 billion yuan in rural revitalization strategies, marking a 50% year-on-year increase [1] - Investments in strategic emerging industries reached 680 billion yuan, up 17% year-on-year [1] - Support for self-reliance in technology saw a funding increase to 880 billion yuan, a 107% year-on-year growth [1] Group 3: Social Responsibility and Financial Inclusion - The insurance sector provided risk protection for over 7.6 billion elderly individuals aged 60 and above, a 55% increase year-on-year [2] - Risk coverage for small and micro enterprises exceeded 43 million households, reflecting a 114% year-on-year growth [2] - The introduction of new disaster insurance regulations expanded coverage for natural disasters, doubling the basic insurance amount for catastrophic events [2] - The community-based disaster insurance program provided coverage for 64.39 million households, amounting to 22.36 trillion yuan in risk protection [2] Group 4: International Cooperation and Market Outlook - The insurance industry provided risk protection for cross-border trade amounting to 2.37 trillion USD, a year-on-year increase of 8% [3] - Insurance coverage for Belt and Road Initiative projects reached 1.14 trillion USD, growing by 14% year-on-year [3] - Foreign insurance institutions in China experienced an 18% growth in business, surpassing the national average growth rate of 14.5% [3]