以初心铸底气 以创新赴新程 燕梳研究院2026年新年献词 当2026年的第一缕阳光照亮金融大地，我们站在"十四五"收官与新征程启幕的历史交汇点，回望保险业 这一年的铿锵足迹。这一年，我们告别规模崇拜的浮躁，拥抱质量优先的笃定；破解转型路上的迷雾， 筑牢服务实体的根基；在政策护航中稳健前行，在创新探索中勇立潮头。每一步跋涉都凝聚着行业人的 坚守，每一次突破都标注着高质量发展的刻度。 这一年，监管"定盘星"精准发力，为行业发展筑牢安全屏障。预定利率动态调整机制平稳落地，三次科 学校准让产品回归风险保障本源，摆脱"利差依赖"的行业更显韧性；非车险"报行合一"铿锵落地， 47.4%的财险市场告别"高费用、低费率"的内耗，迈向合规经营的良性循环；保险资金权益投资比例优 化、长期投资试点扩容至2220亿元，"耐心资本"的底色愈发鲜明，37万亿元险资正成为资本市场的"压 舱石"与实体经济的"滋养剂"。从万能险新规遏制短期化乱象，到中介监管净化市场生态，一道道监管 红线织就安全网，一次次政策创新激活新动能，让行业在规范中焕发持久活力。 这一年，市场"成绩单" 亮点纷呈，在提质增效中书写答卷。五大上市险企前三季度33.5%的净 ...

Core Insights - The awards recognize companies for their excellent market performance, customer service, and social benefits, focusing on customer experience and needs [1] Group 1: Awarded Companies - China People's Property Insurance Company Shenzhen Branch has focused on national and regional strategies, insuring 1,520 high-tech enterprises and 914 specialized enterprises, and providing over 1 trillion risk protection [2] - China Pacific Property Insurance Company Shenzhen Branch has been active in the low-altitude economy insurance sector for over 10 years, providing coverage for nearly 5,000 operators and their equipment [3] - Taikang Life Insurance Company Shenzhen Branch emphasizes steady operation and innovation, offering comprehensive insurance protection and services to residents [4] - Taiping Life Insurance Company Shenzhen Branch supports foreign and Hong Kong residents with a full range of insurance services, enhancing service through digital transformation [5] - Ruizhong Life Insurance Company Shenzhen Branch has a diverse product system and leads the industry with a claims processing time of 1.22 days and a 100% small claims settlement rate [6] - China People's Health Insurance Company Shenzhen Branch has upgraded its core medical insurance products, expanding coverage to over 1,500 advanced drugs and 340 high-end hospitals [8] - Tongfang Global Life Insurance Company has utilized technology to enhance service efficiency, achieving a 99% claim approval rate and a 15-second small claim processing time [9]

Core Viewpoint - The insurance industry aims to play a crucial role in green finance by becoming a resilient recoverer of disaster risks, an important governor of environmental externalities, and a long-term investor in the green economy [1][2]. Group 1: Resilience to Disaster Risks - The insurance sector plans to enhance the policy standards and product systems for catastrophe insurance, focusing on developing a catastrophe risk quantification model suitable for China's disaster scenarios [1]. - There is an intention to strengthen the operational mechanism of the catastrophe insurance community and promote comprehensive multi-disaster catastrophe insurance [1]. Group 2: Governance of Environmental Externalities - Positive incentives will be created through the development of green insurance products such as new energy vehicle insurance and green building insurance, establishing a compensation mechanism for positive externalities [1]. - Negative constraints will be implemented via environmental pollution liability insurance, using rate levers to increase operational costs for high-emission enterprises, thereby establishing a corrective mechanism [1]. - The company plans to enrich the green insurance product system, focusing on ecological environment quality improvement and biodiversity protection, while exploring green insurance rate adjustment mechanisms [1]. Group 3: Long-term Investment in Green Economy - The insurance industry is set to become a long-term investor in the green economy, with investment scale exceeding 100 billion yuan in 2024 for green development [1]. - Innovative insurance solutions will be utilized to mitigate negative financial impacts from uncertainties, attracting more social capital into green low-carbon industries [1][2]. - Future initiatives include conducting carbon emission assessments for investment portfolios and exploring financing evaluations based on carbon performance to reduce asset portfolio carbon intensity [2].