Core Viewpoint - The implementation plan for high-quality development of digital finance in the banking and insurance sectors emphasizes a dual-driven approach of digital technology and data elements, aiming to enhance the integration of the insurance industry into the real economy and national strategies [1][2]. Group 1: Digital Financial Development Goals - The plan outlines major goals for the insurance industry's digital financial development over the next five years, focusing on significant progress in digital transformation and the enhancement of capabilities driven by digital technology and data elements [2]. - It encourages the exploration of innovative applications of digital technology and data elements, aiming to improve financial service quality in key areas such as technology, green finance, inclusive finance, and elderly care [2]. Group 2: Organizational Structure and Governance - The plan prioritizes establishing a robust governance mechanism for digital finance, requiring insurance institutions to strengthen top-level design and build a digital operation system [3]. - It mandates the formation of leadership groups or committees responsible for digital finance, emphasizing the need for unified metrics that align digitalization with business growth and service quality [3]. Group 3: Risk Management and Service Integration - The plan identifies eight key areas for digital financial empowerment, highlighting the evolution of insurance from post-event compensation to risk reduction and insurance protection [4][5]. - It proposes the development of insurance products that provide risk coverage for technology enterprises, focusing on network security and data asset risks, thereby opening new opportunities for the insurance sector [4]. Group 4: Enhancing Financial Services - The plan calls for the development of personalized digital financial products to improve financial services in healthcare and elderly care, while addressing the digital divide [6]. - It emphasizes the importance of data collaboration between insurance institutions and healthcare providers to enhance consumer experience and compliance with data protection regulations [6]. Group 5: Support for Rural Revitalization - The plan encourages the use of IoT and AI technologies to broaden the scope of agricultural insurance products, enhancing efficiency in loss assessment and reducing moral hazard [6]. - It aims to integrate remote sensing and mobile internet data into agricultural insurance, thereby improving the overall risk management capabilities of the insurance industry [6].

12月26日金融一线消息，国家金融监督管理总局办公厅印发《银行业保险业数字金融高质量发展实施方 案》。其中提出，支持科技型企业创新成长。围绕科技型企业"两高一轻"特点，建立科创大数据集为企 业识别画像。合理运用智能审批授信模型提高审批效率，对未通过线上审批的客户提供线下补充申请渠 道。探索发展数据资产、网络安全等相关保险业务，为科技创新应用提供风险保障。 责任编辑：王馨茹 责任编辑：王馨茹 12月26日金融一线消息，国家金融监督管理总局办公厅印发《银行业保险业数字金融高质量发展实施方 案》。其中提出，支持科技型企业创新成长。围绕科技型企业"两高一轻"特点，建立科创大数据集为企 业识别画像。合理运用智能审批授信模型提高审批效率，对未通过线上审批的客户提供线下补充申请渠 道。探索发展数据资产、网络安全等相关保险业务，为科技创新应用提供风险保障。 ...

Core Viewpoint - The "Agricultural Insurance+" reform in Anhui Province aims to transform insurance from a mere compensation tool into a financing link, addressing the financing difficulties in agriculture and enhancing the rural revitalization investment mechanism [1][2]. Summary by Sections Agricultural Insurance System - Anhui's agricultural insurance system is being enhanced to integrate with various financial elements such as credit, guarantees, funds, and futures, creating a comprehensive financial support system covering the entire agricultural value chain from production to sales [1]. Reform Actions - The reform includes four key actions: 1. **Diverse Financing Action**: Introduction of "Government-Insurance Loans" and special guarantee plans to facilitate the flow of financial resources into agriculture [1]. 2. **Multi-Dimensional Empowerment Action**: Establishment of an "Agricultural Insurance+" section on the national financing credit service platform to develop innovative insurance products [1]. 3. **Multi-Chain Integration Action**: Promotion of "one chain, one insurance" to provide comprehensive financial services to industry chain enterprises [1]. 4. **Multi-Level Coverage Action**: Improvement of the agricultural product insurance system and enhancement of grassroots service capabilities [1]. Policy and Financial Coordination - The reform is not just an insurance innovation but a new mechanism that leverages insurance to synergize fiscal, financial, industrial, and capital elements, shifting the focus from risk reduction to credit enhancement and development promotion [2]. - Future efforts will focus on strengthening policy coordination and fund integration, establishing a sustainable investment system guided by the government and involving market operations and social participation [2].