Core Insights - The article emphasizes the importance of regulatory measures in the insurance industry, focusing on compliance, product innovation, and market adaptation to enhance consumer protection and industry stability. Regulatory Measures - The integration of insurance and banking is a key regulatory policy aimed at standardizing rates and managing costs, which is essential for curbing irrational competition in the market [1] - Compliance supervision has intensified, as evidenced by penalties against executives and companies like Evergrande Life, highlighting the regulatory authority's commitment to industry health [1] - The classification and tiered regulation optimize supervisory authority allocation, improving precision and efficiency in line with the diverse development of industry institutions [1] Product Innovation - Participating insurance products have become mainstream, with new policies accounting for over 40% of the market, reflecting consumer demand for wealth accumulation [1] - Health insurance is supported by policies that expand coverage, with the introduction of innovative drug lists, serving as a crucial growth engine for the industry [1] - Long-term care insurance has been fully implemented, covering 190 million people, addressing the long-term care protection gap and enhancing the multi-tiered social security system [1] Market Adaptation - Premiums for new energy vehicle insurance have increased by 41.44% year-on-year, indicating a shift towards independent operating models that align with the development of the new energy vehicle industry [1] - The insurance sector is responding to the aging population trend by strategically positioning itself in retirement finance, including profitable senior living communities with occupancy rates exceeding 80% [1] - Inclusive insurance products, such as home and education insurance, are expanding to cover broader demographics, reflecting the industry's social responsibility [1] Technological Integration - The integration of AI in insurance processes enhances underwriting, claims, and service delivery, driving the industry's digital and intelligent transformation [1] - Data security insurance is becoming increasingly relevant due to rising risks of data breaches and cyberattacks, with policies tailored to meet these emerging needs [2] Risk Management - The solvency ratio remains a core indicator for risk management in insurance companies, with ongoing regulatory assessments reinforcing the industry's ability to withstand risks [1] - Catastrophe insurance is being developed to address risks from natural disasters, filling gaps in traditional insurance coverage through a combination of policy guidance and market operations [2] Cross-Border Opportunities - International insurers like AIA and Allianz are increasing their presence in the Chinese market, showcasing the industry's openness and enhancing market supply through innovative cross-border medical insurance [2]

2025年，站在"十四五"收官与"十五五"规划谋篇的历史衔接点上，宏观经济环境交织着机遇与挑战。时 值年末，全球经济仍在波动中寻找复苏节奏，而中国经济已在政策合力下展现出韧性底色。随着中央经 济工作会议敲定"稳中求进、提质增效"的2026年基调，"十五五"开局之年，中国经济如何平衡短期修复 与长期转型？该如何实现消费的长期可持续增长？强化"内循环"与推进"高水平对外开放"这两大战略， 又该如何协同发力？ "十五五"规划建议中，15次提及"民生"，明确指出要"注重在发展中保障和改善民生，在满足民生需求 中拓展发展空间"，并再次提及"发挥各类商业保险补充保障作用"。锁凌燕表示，"十五五"规划建议也 指出了保险在多层次、多支柱养老保险体系的重要定位：一方面是要助力夯实养老保障，包括参与第一 支柱基本养老保险基金运营，做维护基金安全、促进基金保值增值的"助力者"；服务第二支柱企业年金 和职业年金发展，做基金依法合规健康运营的"协作者"；积极发展第三支柱养老保险及更多具有养老保 障功能的保险产品与服务，做满足人民群众多样化养老需求的"力行者"。另一方面则是要积极关注保障 与经济发展的取向一致性，畅通"资金—资本—资产" ...

专题：2025年度中国保险鼎峰50人论坛 12月17日，中保新知联合新时代保险研究院主办的"2025 年度中国保险鼎峰50人论坛"在北京举办，本届论坛由中央财经大学金融品牌研究所、中央财经大 学中国精算科技实验室、北京工商大学中国养老金融研究院提供学术指导。 平台，做好合作衔接；要合规，并更好地控费。 单看长护险的发展，他认为保险既可以在社会长护保障体系中作为风险共担者，也可以作为经办者，无论是哪种情况，都需要承担三重角色，即资源整合者 的角色；监督者的角色，做好日常风险的监控、监督；服务者的角色。 责任编辑：曹睿潼 专题：2025年度中国保险鼎峰50人论坛 12月17日，中保新知联合新时代保险研究院主办的"2025 年度中国保险鼎峰50人论坛"在北京举办，本届论坛由中央财经大学金融品牌研究所、中央财经大 学中国精算科技实验室、北京工商大学中国养老金融研究院提供学术指导。 论坛以 "'十五五'启航 擘画保险蓝图" 为核心主题，汇聚近百位 "中国保险鼎峰108将"代表以及金融监管领域资深专家、权威学者与企业核心高管等，围绕 "十五五" 时期保险业高质量发展的破局路径与前行方向展开深度研讨，为行业未来发展凝聚共识 ...

转自：北京日报客户端 社会保障体系方面，商业保险应如何定位，才能与基本社保形成更有效协同，筑牢社会养老保障网？ 锁凌燕：养老金融发展的深度、广度和长度，已经成为影响养老金体系长期稳健、居民福祉不断增进的 重要战略支柱，也是未来全球金融竞争的重要领域。保险的价值，是可以提供养老保障产品，更能够构 建一套涵盖各类人身风险保障、持续现金流支付安排、医养保健服务整合、长寿风险定价与全球分散的 综合性解决方案。当前，我国老龄化正在快速演变，要格外关注保险业的特殊价值，及早推动商业保险 业供给侧改革，以提升其运行效能，更好应对未来挑战。 在产品设计方面，要充分发挥其在终身年金化领取方案设计、全生命周期风险保障等方面的专业能力， 开发符合不同阶段风险管理需求的人身风险保障计划，增强家庭全生命周期的财务韧性；尤其要积极开 发普惠性、定制化的商业医疗保险、长护险产品，助力完善多元筹资的长期健康保障网，保障养老金购 买力。 2026年作为"十五五"规划的开局之年，恰逢新旧周期交替的关键节点。在金融"五篇大文章"战略部署引 领下，金融服务实体经济的路径愈发清晰，而兼具金融属性与民生底色的保险业，正站在服务养老保障 升级、赋能科技创 ...

清华大学国家金融研究院院长、清华大学五道口金融学院副院长田轩： 我国降准、降息尚有一定空间 "十五五"后，我国货币政策有哪些发力空间？田轩表示，步入"十五五"，中国货币政策在"稳增长、调 结构、促改革、防风险、惠民生"总体框架下有多重发力空间，可从多个维度展开。首先，总量调控工 具精准化运用。在"适度宽松"基调下，根据经济修复节奏和通胀水平，灵活运用降准、公开市场操作等 工具，保持流动性合理充裕。我国降息尚有一定空间，能降低金融机构资金成本、引导实体融资利率下 行，还能为银行体系提供长期资金。 其次，结构性工具深度与广度拓展。在现有基础上，聚焦国家重大战略和薄弱环节，如加大对科技创新 等领域定向支持，通过提高额度等方式增强政策直达性和精准性，探索将新兴产业和重点项目纳入支持 范围。 此外，跨周期与逆周期调节协同强化。"十五五"需平衡中长期目标与短期波动，货币政策要增强前瞻性 和灵活性，立足当前逆周期调节，着眼长远跨周期设计，营造平稳货币金融环境。 同时，为激励商业银行信贷投放、避免资金"空转"，田轩建议，明年人民银行可升级现有结构性工具， 强化激励约束与精准滴灌：提高对科技型中小企业等信贷支持，按"硬科技"指 ...

2025年度中国保险鼎峰50人论坛于12月17日在京举办。本届论坛由中保新知联合新时代保险研究院主 办，中央财经大学金融品牌研究所、中央财经大学中国精算科技实验室、北京工商大学中国养老金融研 究院提供专业学术指导。 论坛以"'十五五'启航 擘画保险蓝图"为核心主题，汇聚近百位 "中国保险鼎峰 108将"代表以及金融监管 领域资深专家、学界权威学者与企业核心高管。与会嘉宾聚焦行业转型关键命题，围绕"十五五"时期保 险业高质量发展的破局路径与前行方向展开深度研讨，为行业未来发展凝聚共识、贡献智慧。 观势明向：把握宏观变局中的行业机遇 在主题演讲环节，谈及AI技术迭代突破对行业的深远影响，原中国银保监会副主席陈文辉指出，数字 化浪潮具有革命性，已给各行业带来重大冲击。从保险业看，AI技术正广泛赋能保险业在各类服务场 景中的业务，AI技术在保险业的应用也正在加速。未来，AI特别是大模型技术，可能是各类保险机构 实现质变提升的重要机会，AI的全面应用是决定保险业生死存亡的关键之举，也是关键时刻。 针对当前的宏观政策思路与经济形势，中信建投证券政策研究首席分析师、牛津大学博士后胡玉玮从政 策导向与市场需求出发，进行深度解 ...

Core Viewpoint - The insurance industry is positioned to play a crucial role in enhancing pension finance and addressing the challenges posed by an aging population during the "14th Five-Year Plan" period, with a focus on collaborative efforts across the "three pillars" of pension finance [1][5]. Group 1: Pension Finance and Insurance Industry - In 2026, the insurance industry will focus on pension finance as a core area, with policies and market forces driving the collaboration of the "three pillars" from design to implementation [1]. - The insurance sector is expected to fill gaps in basic social security through inclusive products and services, while addressing longevity risks and capital preservation pressures with annuity schemes and cross-cycle risk management [1][5]. - The development of pension finance is seen as a strategic pillar for enhancing the long-term stability of the pension system and improving residents' welfare [5]. Group 2: Investment Strategies and Challenges - The value of insurance funds as "patient capital" will become more prominent, requiring a shift from being "simple investors" to "professional experts" through enhanced long-term assessment mechanisms and deep industry research [2][8]. - The insurance industry must address challenges such as low interest rates and the balance of risks and returns in technology investments while ensuring long-term investment stability and solvency [8][10]. - A focus on professional depth and risk management is essential for the insurance sector to transition from passive "value guardians" to active "value creators" [10]. Group 3: Product Innovation and Consumer Needs - The insurance industry faces a mismatch between personalized consumer demands and standardized products, necessitating fundamental reforms in product design and service ecosystems [12]. - Advanced technologies like big data and AI can help the insurance sector provide more personalized services and products by analyzing customer needs and optimizing risk management [13][14]. - The integration of insurance products with health management and long-term care services is crucial for reducing overall pension costs and enhancing the resilience of the pension finance system [6][14]. Group 4: Regulatory and Ethical Considerations - The insurance industry must balance technological innovation with compliance and ethical standards, particularly as AI applications evolve from single-point solutions to comprehensive empowerment across the value chain [14][15]. - There is a need for regulatory frameworks that not only correct errors but also allow for experimentation and innovation within the insurance sector [15].

Core Insights - The "2025 China Insurance Summit Forum" was held on December 17, focusing on the theme "'14th Five-Year Plan' Launch: Charting the Insurance Blueprint" [1][5] - The forum gathered nearly a hundred representatives from the "Top 108 in Chinese Insurance," along with experts and executives, to discuss high-quality development paths for the insurance industry during the "14th Five-Year Plan" period [1][5] Group 1: Industry Challenges and Opportunities - The life insurance sector is currently facing pressures such as product homogenization and the need for cost reduction and efficiency improvement [3][7] - Despite these challenges, the overall outlook for the life insurance industry is optimistic, with opportunities outweighing challenges [3][7] - Key growth areas identified include health insurance, particularly critical illness insurance with potential for dividends and the development of long-term care insurance [3][7] Group 2: Strategic Recommendations - The industry is encouraged to seize new opportunities presented by initiatives like "Healthy China," "Silver Economy," and "Integrated Reporting" [3][7] - Innovation is emphasized as crucial for breaking through current challenges, with a focus on enhancing products, services, and technology to improve quality and efficiency [3][7] - Sustainable business models should align with the company's inherent strengths, avoiding strategies that do not match the company's capabilities [3][7]

专题：2025年度中国保险鼎峰50人论坛 12 月 17 日，2025 年度中国保险鼎峰50人论坛成功举办。本届论坛由中保新知联合新时代保险研究院主 办，中央财经大学金融品牌研究所、中央财经大学中国精算科技实验室、北京工商大学中国养老金融研 究院提供专业学术指导。 论坛以"'十五五'启航 擘画保险蓝图"为核心主题，汇聚近百位 "中国保险鼎峰 108将"代表以及金融监管 领域资深专家、学界权威学者与企业核心高管。与会嘉宾聚焦行业转型关键命题，围绕"十五五"时期保 险业高质量发展的破局路径与前行方向展开深度研讨，为行业未来发展凝聚共识、贡献智慧。 观势明向：把握宏观变局中的行业机遇 2025年是意义非凡的战略交汇点，既是"十四五"规划圆满收官之年，也是"十五五"发展谋篇布局之 年。"十五五"规划建议明确提出"加快建设金融强国"，大力发展金融"五篇大文章"的部署，为保险业划 定了服务国家战略、赋能实体经济的核心航向。与此同时，以人工智能为代表的新一轮技术革命蓬勃兴 起，推动保险业从规模扩张向价值创造阶段加速转型，多重变量交织之下，行业发展迎来全新机遇。 在主题演讲环节，谈及AI技术迭代突破对行业的深远影响，原中国银 ...

始终将ESG理念深植经营肌理的中国太保，2025年斩获多项权威认可。 数字金融领域，中国太保以科技创新为核心引擎，深度赋能保险主业提质增效。抢抓人工智能大模型应 用爆发机遇，中国太保推动大模型技术在销售、运营、风控等业务全链条场景化落地，形成多项成熟解 决方案。截至2025年上半年末，其AI坐席已承接近50%的客户服务量，大模型在理赔责任认定环节准确 责任于心，笃行于行。 始终将ESG理念深植经营肌理的中国太保，2025年斩获多项权威认可：不仅在"2025第一财经·中国企业 社会责任榜"中第16次蝉联最高荣誉"责任典范奖"，更是获得第二届上海慈善奖，并在国际知名指数机 构明晟（MSCI）公布的最新ESG评级结果中由"AA"上调至"AAA"级，成为率先获此殊荣的中国大陆保 险机构。 观察中国太保近几年的ESG实践之路，谱写的正是"国家-企业-社会"为主旋律的"三重奏"：在国家层 面，以金融"五篇大文章"为核心载体，对接科技强国、健康中国、双碳目标等战略需求；在企业层面， 以大康养、国际化、"人工智能+"三大战略激活内生动力，与股东、员工、客户等利益相关方共同成 长；在社会层面，以太保蓝公益为核心抓手，聚焦民生痛 ...