Ren Chunsheng of the Insurance Stock Exchange: Insurance asset management generally recognizes the meaning of digital transformation meaning independent innovation capabilities to be improved

Southern Finance All Media Reporter Sun Shihui Shanghai report

On the "2022 Insurance Asset Management Summit Forum" jointly sponsored by Zhongbao Deng and the Guanghua School of Management, the School of Gwanghua Management of Peking University, Ren Chunsheng, chairman of the Shanghai Insurance Exchange and chairman of China Bao Deng, said that the digital transformation of insurance asset management is imperative. Zhongbao Deng adheres to the problem -oriented, focusing on solving the common problems of digital transformation in the industry, and focusing on three aspects to promote the digital transformation of the industry.

Digital transformation of insurance asset management is imperative

He said that from the perspective of national strategy, the domestic digital economy has flourished in the past ten years, and the proportion of GDP has increased from 21.6%to 39.8%, becoming a key driving force for high -quality development. The "Fourteenth Five -Year Plan" plan will digitize a single chapter, requiring to accelerate digital development and build digital China. This is the background and macro environment of the digital transformation of the insurance industry.

From the perspective of regulatory requirements, the China Banking Regulatory Commission issued the "Guiding Opinions on the Digital Transformation of the Banking Insurance Industry" at the beginning of the year. Promote digital transformation, and focus on improving the quality and efficiency of investment decisions, use of funds, risk management, and transaction operations. With the in -depth application of the new generation of information technology, the flow of funds is more frequent, the channels for risk infection are more complicated, and the violations of laws and regulations are more hidden. The China Banking Regulatory Commission's annual work conference also emphasized that it is necessary to explore the technological application and improve the level of digitalization of regulatory digitalization.

From the perspective of technical trends, as the development of digital technology has subverted the traditional payment method and travel methods, digital technology has quietly reshaped the connotation of the asset management business. The impact of data on financial risk characteristics and the impact of investment and financing decisions is becoming more and more prominent. Digital technology has run through the entire process business such as investment and research, product management, marketing, risk management, customer management, and operation. expand. Accelerating digital transformation and empowerment has become an industry consensus, and it is the only way for insurance capital management to enhance core competitiveness in the era of big data and intelligence.

Digital transformation of insurance asset management is worried

Regarding the current results of the digital transformation of insurance asset management, Ren Chunsheng commented on "happy and worried". He believes that with the end of the transition period of "new asset management regulations", the asset management industry has entered a new era of standardized development. In recent years, my country's economic downlink pressure has continued to increase, and the macroeconomic market has continued to disturb the macroeconomic market. The market risk preferences sink significantly, the contradiction between supply and demand of the asset management industry has been further prominent, the "asset shortage" has intensified, and the investment terminal is facing severe tests. In the asset management industry, the types of customer groups are diverse, the underlying assets are diverse, the data is large, and the amount of transaction volume is large. It is urgent to empower the science and technology, in -depth reconstruction of business processes, optimize user experience, continuously enrich the supply of product, meet the wealth management of residents, physical enterprises, physical enterprises Diversification of financing.

Fortunately, at this stage, the insurance asset management industry has generally recognized the significance of digital transformation, accelerate data value mining, promote data -driven business, science and technology empowering ecology, and actively carry out digital transformation exploration. However, in general, asset management institutions generally systematically systematically chimney, data islands, and data quality are not high. The transformation foundation is relatively weak and resource investment is limited. Many institutions excessively rely on cooperation with technology companies, and some institutions even outsourcing some business links, insufficient independent innovation capabilities, and forming hidden dangers of business risks.

Create a new generation of digital "new infrastructure"

Ren Chunsheng said that Zhongbao Deng adheres to the problem orientation, focusing on solving the common problems of the digital transformation of the industry, and focusing on the following three aspects to promote the digital transformation of the industry:

"Connection" -Awresh the credibility advantage of financial infrastructure and promote interconnection and interconnection in the industry. As a new infrastructure of the industry's digitalization, China Baoden's main responsibility is to build a digital "highway" between China Unicom's insurance asset management institutions and inside and outside the industry to promote the rapid flow of resources. Infrastructure support.

"Scenario" -Awresh the comprehensive service advantages of the financial exchanges, and support the digital transformation of insurance capital management in many fields. Digital transformation is mainly to realize the innovation of business models and core competitiveness by restructuring the organizational model, breaking time and space restrictions, and extending the industrial chain.

"Standards" -Awreck with the advantages of providing basic public services and creating a "universal language" for the interconnection of all things. From the perspective of practical effects, the "standard" has become a key entry point and core support point for financial infrastructure construction to build a platform ecology, and then can achieve the market's Pareto improvement, promote the extensive achievements of contracts, transaction throughout the network, and resource optimization allocation. Essence

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