转自：新华财经 在12月6日举行的2025中国金融学会学术年会暨中国金融论坛年会上，中国太平保险集团战略规划部助理总经理周晓明发表主题演讲。 全文如下： 尊敬的主持人巢行长，各位领导、各位同仁，大家下午好！ 感谢中国金融学会的邀请，非常高兴参加本次年会活动。在我们深入学习贯彻党的二十届四中全会精神之际，本次论坛以"金融供给侧结构性改革：创新与 赋能"为主题，组织政府部门、专家学者和企业代表开展交流研讨，极具理论价值和现实意义。围绕论坛主题，下面就"深化供给侧结构性改革，提升保险服 务质效"分享一些学习思考和中国太平保险的工作实践。 深化金融供给侧结构性改革是中国特色金融发展之路"八个坚持"的重要组成部分，对于推动金融高质量发展、加快建设金融强国意义重大。保险作为现代金 融的重要支柱之一，连接各行各业，关系国计民生。在金融强国建设新征程上，经济"减震器"和社会"稳定器"功能将日益凸显。近年来，中国太平保险围绕 深化供给侧结构性改革，立足保险"两器三网"功能定位，聚焦金融"五篇大文章"，把服务国家战略、实体经济和社会民生作为着力点，以产品和服务创新为 抓手，以科技和生态赋能为动力，发挥保险资金优势，不断提升保障能 ...

Core Insights - The agricultural insurance industry plays a crucial role in supporting high-quality agricultural development and ensuring food security in China, particularly as the country approaches the end of the 14th Five-Year Plan in 2025 [1][2][3] Group 1: Agricultural Insurance Development - Since the launch of the agricultural insurance premium subsidy policy in 2007, the industry has seen rapid growth, with premium income increasing from 5.333 billion yuan to 152.1 billion yuan by 2024, making China the global leader in agricultural insurance [3][6] - The coverage of agricultural insurance has expanded significantly, now covering over 500 types of agricultural products, including specialty crops, and evolving from cost insurance to income and price insurance [6][7] - The implementation of complete cost insurance for major crops like rice, wheat, and corn is set to enhance farmers' income security and reduce local fiscal pressure [3][4] Group 2: Policy Support and Innovation - The Chinese government has emphasized the importance of agricultural insurance in its policies, with recent documents advocating for the integration of insurance with local specialty agricultural products [4][5] - The insurance industry is innovating by developing tailored insurance products for local specialties, which supports rural revitalization and economic growth [4][5] - The establishment of a comprehensive financial insurance service system for the entire agricultural supply chain is being pursued, as seen in Guangdong's insurance coverage for lychee production [4][5] Group 3: Technological Integration - The agricultural insurance sector is leveraging technology to enhance risk management, transitioning from post-disaster compensation to proactive risk prevention and real-time monitoring [7][8] - Advanced technologies such as satellite remote sensing and AI are being utilized to improve the efficiency of claims processing and disaster response, significantly reducing the time taken for farmers to receive compensation [7][8] - The integration of technology in agricultural insurance is creating a modern safety net that ensures timely recovery and support for farmers during adverse weather events [7][8]