中国太保总裁赵永刚：保险成为汽车产业链的“战略力量”

新华财经07-23

新华财经上海7月23日电（记者王淑娟）2026中国汽车论坛“保险业助力汽车产业高质量发展”主题论坛上，中国太保总裁赵永刚表示，当前中国汽车产业已迈入年产销3400万辆、新能源渗透率突破45%、年出口突破700万辆的新阶段，汽车产业的竞争不再是单一产品的竞争，而是技术路线、产业形态和全球格局的系统性较量。保险也不再是产业链末端的配套服务，而是深度嵌入研发、生产、交付、运营全生命周期的战略力量。　　...

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Chain","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"601601":1.5,"02601":1.5},"content_text":"新华财经上海7月23日电（记者王淑娟）2026中国汽车论坛“保险业助力汽车产业高质量发展”主题论坛上，中国太保总裁赵永刚表示，当前中国汽车产业已迈入年产销3400万辆、新能源渗透率突破45%、年出口突破700万辆的新阶段，汽车产业的竞争不再是单一产品的竞争，而是技术路线、产业形态和全球格局的系统性较量。保险也不再是产业链末端的配套服务，而是深度嵌入研发、生产、交付、运营全生命周期的战略力量。　　面对汽车产业的深刻变革，保险业在助力汽车产业高质量发展过程中，应当如何找准定位，主动作为？赵永刚从四个维度给出了答案。　　第一，以创新拥抱技术变革。智能驾驶的快速迭代，正在突破传统车险的精算框架与责任体系，技术规范与保险规则的协同有序，已成为智驾产业化的关键前提。保险业的主动创新为技术创新铺设了一条从实验室到市场的基础通道，有了适配的保险方案，技术价值才能充分释放。　　第二，以专业护航全球布局。中国汽车出海已从产品出口迈向产业链出口，海外建厂、跨境供应链、终端服务网络全链条的风险保障需求，呼唤保险服务从伴随式走向前置化。“产业+保险”抱团出海正在从理念走向规模化实践。　　第三，以纵深筑牢全面风控。汽车产业链正从整车向三电系统、充电设施、智能网联出行服务全面提升，每一个新节点都在催生新的风险保障需求。产业重构要求保险业从单一车险走向覆盖整车、零部件、基础设施、出行服务的全产业链风险管理方案，将风控能力前置到产业的每一个关键环节。　　第四，以共建夯实制度根基。汽车与保险的深度融合，离不开标准共建与生态系统。从智驾事故数据协作规范到车型风险分析体系，再到跨境保险合作机制，行业级共建成果正在为融合创新奠定制度基础。唯有各方敞开大门，优势互补，才能真正打通从数据到产品，从技术到服务的全链路。　　当中国汽车产业从规模引领迈向价值引领，保险业的转型也迫在眉睫。赵永刚坦言，保险业必须从“风险的最后防线”走向赋能创新、护航出海的战略力量。“这不是一道可选题，而是一道必答题。”（文章来源：新华财经）","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":false,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"CCBot/2.0 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