Core Viewpoint - The article emphasizes the importance of disaster prevention and reduction in the context of increasing climate change and extreme weather events, highlighting the role of China People's Insurance Group (China P&C) in establishing a comprehensive risk management system that integrates insurance, risk reduction services, and technology [1][2]. Group 1: Risk Management System - China P&C has developed a full-chain risk management system covering pre-disaster prevention, in-disaster response, and post-disaster compensation [1]. - In 2024, China P&C's risk reduction initiatives have cumulatively reduced social losses by over 1 billion yuan [1]. - The company has integrated 9 categories of 99 million risk data points into its self-developed "Catastrophe Safety" platform to support risk reduction services [1]. Group 2: Insurance and Support - China P&C has provided insurance coverage for nearly 40 major natural disasters, including Typhoon "Mojie," through a multi-disaster, multi-year, and multi-level protection system [1]. - As the chief co-insurer, China P&C has collaborated with over 40 insurance institutions to form a catastrophe insurance community, offering 22.36 trillion yuan in catastrophe risk protection to 64.39 million households [1]. Group 3: Technological Integration - The company is transitioning risk management from "post-event compensation" to "pre-event prevention" by leveraging technology [1]. - China P&C employs IoT devices to enhance safety networks and utilizes smart tools to improve the effectiveness of safeguarding livelihoods [1]. - The company has enhanced its data-driven capabilities through smart claims systems, "Yunzhibao" smart screens, and satellite remote sensing technology to ensure rapid response during disasters and efficient data review post-disaster [2]. Group 4: Continuous Improvement - China P&C analyzes post-disaster claims cases using big data to continuously optimize risk models and emergency plans, forming a closed loop of "early warning - response - review" for long-term disaster prevention [2]. - The China Disaster Prevention Association has established a subcommittee for disaster insurance and risk reduction, with China P&C's subsidiary, China People's Property Insurance Co., Ltd., elected as the chair unit [2].