12月12日，国家金融监督管理总局党委召开会议，传达学习中央经济工作会议精神，结合全国金融系统 工作会议部署要求，研究贯彻落实措施。 会议要求统筹推进防风险、强监管、促高质量发展各项工作，全力支持完成2026年经济社会发展目标任 务，为"十五五"开好局、起好步提供有力金融支撑。 同时，着力提升强监管严监管质效。加快健全金融法治，精准规范高效执法，不断提高监管能力。引导 银行保险机构树牢正确的经营观、业绩观、风险观，降本增效、苦练内功，努力实现差异化、特色化发 展。深入整治"内卷式"竞争，大力规范市场秩序。高压严打非法金融活动，坚决守好人民群众"钱袋 子"。 在加力提效促进高质量发展方面，会议要求，引导银行保险机构持续加大对国家重大战略、重点领域和 薄弱环节的金融供给，努力提升经济金融适配性。高效服务扩大有效需求，继续发挥新型政策性金融工 具作用，支持激发投资、带动提振消费。创新科技金融服务，稳步推进科技金融"四项试点"扩围增效。 深化小微企业融资协调工作机制，优化乡村全面振兴金融服务，做好灵活就业群体、新就业形态人员保 险服务，大力发展长期护理险，加强灾害保险保障。 此外，还要持续强化政治建设，深化党的创新理 ...

会议要求，总局系统要以习近平新时代中国特色社会主义思想为指导，全面贯彻党的二十大和二十届历次全会精神，认真 落实中央经济工作会议决策部署，深刻领悟"两个确立"的决定性意义，坚决做到"两个维护"，坚持稳中求进工作总基调，树立 和践行正确政绩观，因地制宜、分类施策，统筹推进防风险、强监管、促高质量发展各项工作，全力支持完成2026年经济社会 发展目标任务，为"十五五"开好局、起好步提供有力金融支撑。 一是有力有序防范化解重点领域风险。坚定履行风险防控首位主责，着力化解存量风险，坚决遏制增量风险，严守不"爆 雷"底线。巩固拓展改革化险成果，深入推进中小金融机构减量提质。支持稳定房地产市场，进一步发挥城市房地产融资协调 机制作用，助力构建房地产发展新模式。指导银行保险机构按照市场化法治化原则，积极化解地方政府融资平台金融债务风 险。 二是着力提升强监管严监管质效。加快健全金融法治，精准规范高效执法，不断提高监管能力。引导银行保险机构树牢正 确的经营观、业绩观、风险观，降本增效、苦练内功，努力实现差异化、特色化发展。深入整治"内卷式"竞争，大力规范市场 秩序。高压严打非法金融活动，坚决守好人民群众"钱袋子"。 本报讯 ...

北京商报讯（记者 胡永新）12月12日，金融监管总局党委召开会议，传达学习中央经济工作会议精神，结合全国金融系统工作会议部署要求，研究贯彻落 实措施。会议要求，指导银行保险机构按照市场化法治化原则，积极化解地方政府融资平台金融债务风险。引导银行保险机构树牢正确的经营观、业绩观、 风险观，降本增效、苦练内功，努力实现差异化、特色化发展。引导银行保险机构持续加大对国家重大战略、重点领域和薄弱环节的金融供给，努力提升经 济金融适配性。深化小微企业融资协调工作机制，优化乡村全面振兴金融服务，做好灵活就业群体、新就业形态人员保险服务，大力发展长期护理险，加强 灾害保险保障。 图片来源：国家金融监督管理总局 ...

12月12日，金融监管总局党委召开会议，传达学习中央经济工作会议精神，结合全国金融系统工作会议 部署要求，研究贯彻落实措施。党委书记、局长李云泽主持会议。 会议认为，这次中央经济工作会议，是在"十四五"即将圆满收官、"十五五"即将开启的历史节点上召开 的一次重要会议。习近平总书记的重要讲话，统揽全局、视野宏阔、思想深邃、内涵丰富，具有很强的 政治性、思想性、指导性，为做好明年和今后一个时期的经济工作指明了方向、提供了根本遵循。 会议要求，总局系统要以习近平新时代中国特色社会主义思想为指导，全面贯彻党的二十大和二十届历 次全会精神，认真落实中央经济工作会议决策部署，深刻领悟"两个确立"的决定性意义，坚决做到"两 个维护"，坚持稳中求进工作总基调，树立和践行正确政绩观，因地制宜、分类施策，统筹推进防风 险、强监管、促高质量发展各项工作，全力支持完成2026年经济社会发展目标任务，为"十五五"开好 局、起好步提供有力金融支撑。 一是有力有序防范化解重点领域风险。坚定履行风险防控首位主责，着力化解存量风险，坚决遏制增量 风险，严守不"爆雷"底线。巩固拓展改革化险成果，深入推进中小金融机构减量提质。支持稳定房地产 市场 ...

Core Viewpoint - The insurance industry is expected to play a crucial role in supporting national strategies and addressing uncertainties during the "14th Five-Year Plan" period, emphasizing its function as an economic stabilizer and social safety net [1][2][3]. Group 1: Achievements and Responsibilities of the Insurance Industry - The insurance industry has made significant progress in serving national strategies, ensuring public welfare, and enhancing disaster prevention and relief during the "14th Five-Year Plan" period [2]. - Agricultural insurance has transitioned from "broad coverage" to "high quality," significantly contributing to farmers' income and rural revitalization [2]. - The industry has responded to the insurance needs of new employment groups, such as delivery workers, showcasing its social responsibility [2]. Group 2: Challenges and Development Goals - The "15th Five-Year Plan" period presents both opportunities and risks, necessitating a focus on high-quality development in the insurance sector [3][4]. - The insurance industry must align with national development goals, emphasizing internal collaboration, risk reduction, resource integration, and cooperation with public sectors [4][5]. - The industry is encouraged to enhance its adaptability to economic development by focusing on modern industrial systems and new production capacities [5]. Group 3: Digital Transformation and AI Integration - The insurance industry is undergoing a digital transformation, leveraging technologies such as AI, big data, and cloud computing to improve operational efficiency and service quality [6][7]. - The implementation of the "Artificial Intelligence+" initiative is expected to provide direction and policy support for the insurance industry's digital development [6]. - The industry is advised to adopt a comprehensive digital transformation strategy, enhance data utilization, and invest in AI talent to maximize the benefits of AI applications [7].

Core Viewpoint - The insurance industry is expected to focus on high-quality development and enhance its adaptability to the economy, with specific emphasis on three major areas and ten types of business [2][4]. Group 1: Key Areas of Development - The first area is to efficiently serve the construction of a modern industrial system and the development of new productivity, emphasizing the growth of technology-related insurance, green insurance, and data asset and cybersecurity insurance [3]. - The second area involves robust support for constructing a new development pattern, particularly through the development of domestic credit insurance and international transportation and shipping insurance [4]. - The third area is to effectively meet financial needs in the livelihood sector, which includes the development of pension and health insurance, improving accessibility and standards of inclusive insurance services, and significantly advancing agricultural and disaster insurance [4]. Group 2: Digital Transformation and AI Integration - The insurance industry is entering the AI era, necessitating a comprehensive implementation of a digital transformation strategy to enhance operational efficiency and risk management [5][7]. - AI technology is expected to significantly improve risk pricing, underwriting, claims management, fraud detection, and customer service, leading to a collaborative enhancement of operational efficiency and service optimization [5][6]. - By 2025, AI applications in the insurance sector are anticipated to reach a critical turning point, with a growing number of companies adopting large model technologies [5]. Group 3: Industry Collaboration and Risk Management - The insurance industry must combat internal competition and promote collaboration to achieve more stable and high-quality development, which is essential for meeting national strategies and safeguarding livelihoods [8][9]. - Future collaboration directions include strengthening internal industry cooperation, enhancing customer collaboration for risk reduction, integrating resources for cross-industry collaboration, and building safety nets through cooperation with public sectors [9][10][11]. - By fostering collaboration, the insurance industry can improve its overall risk-bearing capacity and better serve national strategies, the real economy, and livelihood security [11].

Core Insights - The development of disaster insurance in China has accelerated in recent years, but there is still significant room for improvement in the overall system [1][2] - The government-led disaster relief mechanisms have limitations, and insurance mechanisms are becoming an ideal means to address uncertainties related to disasters due to their precise compensation and multi-dimensional risk diversification capabilities [1] Group 1: Current State of Disaster Insurance - As of the first half of 2025, natural disasters in China affected 25.037 million people, resulting in 307 deaths or missing persons, and causing direct economic losses of 54.11 billion yuan [1] - Since 2023, the cumulative compensation for major disasters has exceeded 29 billion yuan, providing over 22 trillion yuan in coverage for more than 64 million households [1] Group 2: Challenges and Areas for Improvement - The insurance service for disaster prevention and control has significant room for improvement, including low compensation ratios compared to international standards, insufficient legal frameworks, and weak public awareness of insurance [2] - The development of disaster insurance faces challenges such as limited coverage, low willingness to pay, and a lack of comprehensive institutional design [2] Group 3: Recommendations for Future Development - The report suggests four key recommendations: innovate development concepts to return to market principles, establish a multi-layered insurance system with clear responsibilities, set a development goal for 2035 to reach global average compensation rates, and focus on addressing gaps in personal property insurance and optimizing agricultural and catastrophe insurance [2]

Group 1: Insurance Sector Development - The 2025 Financial Street Forum highlighted the direction for the insurance sector during the 14th Five-Year Plan, focusing on optimizing trade financing and export credit insurance to enhance cross-border services and promote domestic and international dual circulation [1] - The government has increased support for export credit insurance as part of policies to stabilize foreign trade, emphasizing its role in mitigating risks for exporters and contractors [3] - Export credit insurance is recognized as a tool for promoting foreign trade, covering political risks and commercial risks, ultimately safeguarding the interests of domestic exporters and overseas investors [3] Group 2: Financial Services for Livelihoods - The insurance sector is urged to meet financial needs in education, health, and other livelihood areas, with a focus on developing pension and health insurance products to address the growing demand due to aging populations [4] - There is a shift in pension and health insurance from optional to essential, prompting insurers to innovate products and services that cater to these needs [4] - Insurers are encouraged to integrate health management with insurance offerings, creating a comprehensive health ecosystem to better serve the aging population [4] Group 3: Disaster Risk Management - The insurance industry's role as a stabilizer in response to natural disasters has become increasingly important, with significant losses reported from recent weather events [5] - Policies are being developed to enhance the catastrophe insurance system, aiming to create a robust risk management framework for natural disasters [5] - Collaboration among government, market, and society is essential to establish an effective disaster risk management system that can improve societal resilience to climate uncertainties [5]

Core Insights - The 2025 Financial Street Forum focuses on "Innovation, Transformation, and Reshaping of Global Financial Development" [1] - Li Yunzhe emphasizes the importance of financial support for high-quality economic and social development during the "14th Five-Year Plan" and outlines goals for the "15th Five-Year Plan" [1][4] Group 1: Financial Adaptability - The need to create a new financial service model that balances direct and indirect financing, investment in goods and people, and aligns financing terms with industry development [3] - Support for major strategies and key areas to enhance the quality and reasonable growth of the economy [3] Group 2: Modern Industrial System and New Productivity - Focus on intelligent, green, and integrated directions to provide more financial resources for traditional industries and emerging sectors [4] - As of September 2025, loans in key areas like technology, green initiatives, and digital economy are growing significantly faster than overall loan levels, with green loans leading at a 22.9% growth rate [4] Group 3: Reform and Opening Up - Emphasis on deepening financial supply-side structural reforms to enhance institutional layout and international influence [6] - Encouragement for financial institutions to focus on their core businesses and engage in differentiated competition to build a healthy financial ecosystem [6] Group 4: Financial Development and Security - Commitment to risk prevention and maintaining systemic financial stability amid global economic uncertainties [8] - As of October 15, 2025, 326 banks have exited the market through dissolution, merger, or cancellation, indicating a significant increase in the consolidation of local banks [9] Group 5: Regulatory Framework - Continuous improvement of financial regulatory effectiveness and the establishment of a tiered regulatory framework [9] - Call for enhanced global cooperation to strengthen the global financial safety net and improve crisis management efficiency [9]