At present, the transformation of economy to green and low-carbon has become a general consensus of the international community. The rapid development of green economy will be an inevitable trend in the medium and long term of the global economy. On January 14, Zhongan Financial Technology Research Institute and Xinhua News Agency quick look jointly released the second series of reports on insurance carbon neutralization: green insurance products in the low-carbon era (hereinafter referred to as the report) that science and technology will be the breakthrough point for accelerating the realization of the "double carbon" goal and the accelerated development of green insurance.
The report believes that insurance is one of the important participants in market-oriented carbon emission governance. Through innovative insurance products and services, it can realize the comprehensive green transformation of economic and social development at a low social cost. At present, all sectors of the industry have paid attention to the unique leverage of green insurance in promoting low-carbon transformation and providing risk protection.
In recent years, the development achievements of China's green insurance have initially appeared, but there is still a large gap compared with the security demand for green and low-carbon transformation of economy and society. We need to continue to make efforts in product supply, security coverage breadth and depth, risk data accumulation, innovation and incentive mechanism, etc.
The report believes that science and technology will be the breaking point for accelerating the realization of the "double carbon" goal and the accelerated development of green insurance. Digital communication technologies such as sensors, 5g and artificial intelligence are changing the way of energy use and consumption in social economy. At the same time, the accumulation of relevant industrial practices and the interconnection of infrastructure have laid a foundation for commercial insurance R & D and innovation of green insurance products or services.
It has been proved that technological and digital innovation in the field of micro insurance can provide basic protection for more vulnerable groups. This includes the use of UAVs, sensors, intelligent image recognition technology, etc. in the application of distribution, underwriting, underwriting and claim settlement, it can improve the sense of acquisition and happiness of green insurance to a certain extent, which is worthy of special attention in the industry.
Wang Min, executive deputy general manager of Zhong'an insurance, believes that for green insurance, on the one hand, insurance companies must improve the accuracy and scalability of risk pricing of underwriting solutions with the help of emerging technologies, on the other hand, they need to actively establish partnerships to deal with the risk management challenges brought by green transformation and help insurance customers grasp the development opportunities of green economy.
