全民健身热潮席卷，户外运动凭自然野趣与自由特质强势圈粉，爱好者群体持续扩容。冰雪、骑行、冲浪……各类户外运动相继成为"顶流"。6月26日，国 家发展改革委释放重磅信号，下一步，将加快推动户外运动高质量发展。支持资源禀赋优、发展基础好、有积极性的地方，大力发展冰雪、水上、山地等户 外运动，力争到2030年建设100个左右高质量户外运动目的地。 在业内人士看来，这不仅释放了巨大的产业潜力，也为保险业开辟了新赛道。北京商报记者了解到，近年来，面对激增的户外运动尤其是高风险运动参与需 求，专属保险产品如滑雪险、赛事意外险正加速上新，提供意外、救援、装备相关的灵活保障。然而，行业仍面临数据壁垒致精准定价难、细分产品不足及 消费者意识待提升等挑战，亟待系紧户外运动"安全绳"。 多个细分险种迎发展空间 近期，"苏超"热度攀升，成为网络热议的话题。6月26日，国家发展改革委政策研究室副主任李超在新闻发布会上表示，这反映出群众对多元化和群众性的 体育赛事、运动健身热情高、需求大，也展现出我国的体育赛事和文化旅游等相关产业发展蕴含着巨大的潜力。 "下一步，国家发展改革委将加快推动户外运动高质量发展。支持资源禀赋优、发展基础好、有 ...

Core Viewpoint - The report "Financial Reshaping Consumption Power" emphasizes the necessity of boosting consumption in the context of economic transformation, highlighting the role of the financial industry in transitioning from mere "funding supply" to "ecosystem construction" [1][4]. Group 1: Consumption Boosting as an Economic Imperative - The need to boost consumption has shifted from an optional strategy to a mandatory requirement due to significant changes in the global economic landscape and domestic economic transformation [3]. - In 2024, the contribution rate of final consumption expenditure to economic growth in China is projected to be 44.5%, a notable decline from 2023 [3]. Group 2: Financial Role in Consumption Enhancement - The core logic for boosting consumption is encapsulated in the concepts of "ability to consume," "willingness to consume," and "daring to consume," which are interrelated and essential for a comprehensive approach to consumption enhancement [4]. - Financial mechanisms can effectively alleviate budget constraints through consumer credit, thereby facilitating the realization of consumption desires and stimulating economic circulation [4][5]. - The report warns against excessive financialization, which could lead to risks such as capital idling and squeezing real consumption demand [4]. Group 3: Financial Product and Service Diversification - Financial institutions are encouraged to provide a diverse range of products and services to lower consumption barriers and meet the varied needs of consumers, thereby unleashing consumption potential and driving overall economic expansion [6][7]. - The report identifies credit policies as a primary tool for boosting consumption, noting a significant drop in loan interest rates from the "3" range to the "2" range due to competitive pressures [7][8]. Group 4: Institutional Transformation and Collaboration - Financial institutions are transitioning from a focus on "traffic competition" to "ecosystem co-construction," with banks and consumer finance companies diversifying their offerings to enhance user engagement [11][12]. - The rise of consumption-related REITs has become a new highlight in the capital market, with an average increase of over 30% in the first quarter of 2025 [12]. Group 5: Innovation and Risk Management in Financial Services - Financial technology is seen as a key to breaking through existing challenges, with significant improvements in digital risk control models leading to lower non-performing loan rates [13]. - The report emphasizes the importance of balancing policy incentives with risk prevention to maintain a healthy cycle between consumption finance and the real economy [13][14].