Core Viewpoint - The 2025 Financial Street Forum focuses on "Innovation, Transformation, and Reshaping of Global Financial Development," emphasizing the need for a resilient, inclusive, and sustainable global financial system driven by technological advancements and industry changes [1] Group 1: Technological Empowerment in Insurance - Sunshine Insurance actively embraces technological advancements to enhance service quality for the real economy and improve public welfare [1] - The company utilizes an integrated "air, land, and sea" inspection technology, deploying drones for precise surveying of disaster-affected agricultural areas, facilitating efficient claims processing [2][3] - The "Sunshine Tianyan Risk Map" system monitors natural disaster information, providing timely disaster warnings and risk management services to clients [3][4] Group 2: Innovations in Risk Management - From January to August of the current year, Sunshine Insurance sent over 2 million weather disaster warnings to clients through the "Sunshine Tianyan Risk Map," helping them prepare for potential disasters [4] - The company employs advanced technologies like drones and 3D modeling for risk assessment in major projects, enhancing safety measures and risk management [4][5] Group 3: Enhancing Elderly Care Services - Sunshine Insurance has developed the Sunshine Family Community in Shanghai, integrating smart designs and elder-friendly features to ensure a safe and comfortable living environment for seniors [6][7] - The company is launching a "Sunshine Home Care Service System" in 2024, focusing on home health, safety, and living, utilizing technology to enhance service quality [7] Group 4: Streamlined Claims Process - The "Sunshine Car Life Assistant" app allows clients to initiate claims and conduct video inspections, significantly improving the efficiency of the claims process [8] - The "Sunshine Flash Claim" service has been upgraded to provide a seamless online claims experience, emphasizing speed and convenience for clients [8] Group 5: Commitment to Technological Innovation - Sunshine Insurance has consistently prioritized technology investment, leading to significant advancements in digital transformation and the establishment of a technology-driven operational model [10][11] - The company has developed its own AI model, "Sunshine Zhengyan GPT," to enhance customer service and operational efficiency [11][12] - Sunshine Insurance is actively participating in industry collaborations to promote innovation and the integration of data intelligence in the insurance sector [12]

Core Insights - The financial sector is undergoing a profound transformation driven by artificial intelligence (AI), fundamentally reshaping operational logic and industry rules [1][2] - The insurance industry, characterized by data density and service precision, is at the forefront of AI integration, with McKinsey estimating that generative AI could bring $70 billion in productivity gains to the sector [1] Group 1: Company Performance - Sunshine Insurance reported a total premium income of 80.814 billion yuan for the first half of 2025, a year-on-year increase of 5.7%, and a net profit of 3.389 billion yuan, up 7.8% [3] - Sunshine Life achieved a total premium income of 55.44 billion yuan, a 7.1% increase, and a new business value of 4.01 billion yuan, with a comparable year-on-year growth of 47.3% [11] - Sunshine Property Insurance recorded a premium income of 25.27 billion yuan, a 2.5% increase, and an underwriting profit of 290 million yuan, up 42.4% [11] Group 2: Technological Advancements - Sunshine Insurance has transitioned from "tool application" to "underlying reconstruction" through its "Technology Sunshine" strategy, integrating AI deeply into its business model [9] - The company has developed a vertical insurance model that is tailored to the industry's characteristics, supporting sales, service, and management through AI-driven solutions [9] - AI sales assistants utilize extensive business data to create customer profiles, identify protection gaps, and provide tailored product recommendations, enhancing sales efficiency [10] Group 3: Service Innovations - The service robot framework at Sunshine Insurance covers all customer service scenarios, achieving a 65% rate of fully automated remote services and an 82% satisfaction rate [12] - The "Sunshine Cloud Counter" platform enhances accessibility to financial services, while the claims service robot significantly improves claims processing efficiency [12][13] - The company has implemented a "flash compensation" service for clear-cut claims under 5,000 yuan, ensuring payment within 24 hours [13] Group 4: Risk Management and Prevention - Sunshine Insurance is shifting from a reactive compensation model to proactive risk management, recognizing the importance of preventing risks before they occur [18][19] - The company has established a comprehensive risk engineering system that includes pre-insurance risk assessments and ongoing risk monitoring services [19][20] - The "Sunshine Tianyan Risk Map Platform" provides real-time risk monitoring and rapid warning services for insured enterprises, enhancing overall risk management capabilities [20] Group 5: Market Valuation Changes - The integration of AI in the insurance sector is redefining traditional valuation metrics, moving beyond just premium size and loss ratios to include operational efficiency and innovative product development [21] - AI is expected to enhance operational efficiency, leading to cost optimization and revenue growth, while also enabling the creation of new insurance products to meet diverse customer needs [21]