安盛天平助力促进普惠保险高质量发展
AXA Tianping supports high-quality development of inclusive insurance
历经两年研究合作后，安盛天平联同安盛研究基金以及安盛新兴客户事业部与中国人民大学中国普惠金融研究院（CAFI）在正式发布《在不确定性中构建家庭金融健康——中国中低收入家庭财务日记研究》，报告中呈现了上海市、陕西宜君县、湖南平江县等地的187户代表性中低收入城乡家庭两年来的财务收支状况，以及他们所反映的真实财务需求以及金融服务使用方面存在的问题。
作为集团可持续发展战略的核心，普惠金融一直是安盛在中国乃至全球范围内关注的焦点。《报告》提供了对中国中低收入家庭风险管理与保障缺口的数据洞察，显示28%的受访家庭因受疫情影响面临较大的财务压力，还显示仅有极少数家庭擅于通过使用金融服务来进行风险管理。通过定性定量的调研分析，《报告》能够帮助安盛天平深刻理解中低收入家庭的财务状况、收支变化和金融需求，从而更好地设计多元化保障产品与服务；并为政策制定者提供参考，助力普惠保险的高质量发展。
未来，安盛天平将继续从人民群众的切身需求出发，深入洞察客户消费行为的发展趋势，积极推动多元产品布局发展，深化经代渠道经营，探索新型数字化营销模式，为广大人民群众和市场主体提供优质的普惠保险产品和服务，努力改善弱势群体民生、推动社会繁荣发展，为促进普惠保险高质量发展做出贡献。
After two years of close cooperation, AXA Tianping, AXA Research Fund, AXA Emerging Customers and the Chinese Academy of Financial Inclusion (CAFI) of Renmin University officially released “Building Family Financial Health amid Uncertainty—— A Study on the Financial Diaries of Low- and Middle-Income Families in China”, revealing how low- and middle-income households in urban and rural areas in Shanghai, Yijun County of Shaanxi, Pingjiang County of Hunan and more cope with challenges in accessing financial services. with risks and concerns such as huge medical expenses, yet they lack suitable insurance product allocation.
Inclusive finance, as one of the pillars of Group’s sustainability strategy, has always been key to AXA in China and across the world. Findings indicated that 28% of interviewed families felt severe financial pressure from the pandemic, and further revealed that only a small amount of these families actively accessed financial institutions for assistance. Armed with insights from this report, AXA Tianping is enabled to understand better the financial status of low- and middle-income urban and rural families as well as their financial needs and issues with access to financial services so as to propose more tailor-made protection solution and services as well as influence policy-makers when making policies.
Moving forward, AXA Tianping is committed to cultivating customers’ trust in insurance services, actively promoting the development of diversified product, continuing to deepen collaboration with channel partners, and exploring new digital marketing models to provide the general public and institutions with high-quality inclusive insurance products and services. AXA strives to improve the livelihood of disadvantaged groups, promote social prosperity and development, and contribute to the high-quality development of inclusive insurance.