同贺甲子盛事，共谱璀璨新章 ——安盛恭祝中法建交60周年
AXA Celebrates the 60th Anniversary of China-France Establishment of Diplomatic Relationship
2024年是中法建交60周年，也是安盛扎根中国25周年。25年来，安盛有幸见证并亲身参与了中国惊人的发展：人民生活水平持续提高、实体经济蓬勃发展、数字化等基础设施日益完善，一些新兴行业在世界舞台崭露头角，并且在可持续发展领域为应对气候变化做出庄严承诺，以专业、高效和负责任的产品与服务，为企业和个人提供保险保障。
安盛在华里程碑
安盛集团成立于1817年，总部位于法国巴黎，是全球领先的保险及资产管理集团之一。在国际知名品牌咨询机构Interbrand在2023年公布的权威品牌价值排行榜中，安盛位居第44位，并在2009至2018年间，连续10年蝉联全球第一保险品牌，是最有价值的保险公司之一。
1999年，安盛进入中国，有幸见证和参与了波澜壮阔的金融业改革。可以说，安盛每一个发展的里程碑，都离不开得天独厚的营商环境和各级政府的大力支持。
2020年12月，随着安盛集团完成全资收购，安盛天平以“中国首家外商独资财产保险公司”的身份崭新亮相，将业务从单一车险扩展至健康险、商企险、意外险等多元领域，更好地满足人民群众对美好生活的向往，更全面地服务包括中小微企业等在内的实体经济发展。通过遍布全国20个省份的25家分公司，我们为超过300万中国个体及商业客户提供服务。
2022年，安盛进入以“多元产品，品质把控，持续发展”为主要特征的发展新阶段，追求高质量发展与盈利性增长的同时，驱动车险、健康险、商业险、意外险等多元业务协同发展。安盛的创新基因在集团内部一脉相承，依托集团全球领先的技术实力与行业经验，我们在中国首家运用Akur8人工智能技术改进定价流程，充分满足动态风险环境下不断变化的客户需求，同时确保最大程度的透明度和风险管控。
ESG可持续发展
“守护生命之本，践行人类进步”是安盛的品牌使命。我们视保障为业务核心：关注个体幸福，助力企业发展，更推动社会进步。安盛的存在并不止步于创造营收，更追求造福社会。围绕气候变化及普惠金融两大主题，安盛集团发布七项可持续发展承诺，建构自身可持续发展战略——作为负责任的投资者，设定绿色投资目标，帮助客户和社会向低碳经济转型；作为负责任的保险公司，为弱势群体提供普惠金融保险产品与服务；作为行业典范，承担大企业责任，将 ESG核心理念与标准全面融入管理体系中，实现价值链净零排放。
在中国，安盛天平积极响应监管号召，严格遵循集团的ESG倡议，以业界严格标准规范自身运营，以政府、社会机构、股东、客户、员工、合作伙伴和供应商等利益相关方的核心诉求为己任，力求在双碳时代，实现安全、合乎道德规范以及可持续发展，减少公司经营对环境和社会可能产生的负面影响。
2022年4月，安盛天平正式启动ESG元年，并成立了以CEO为首的ESG工作委员会，综合自身发展实际、集团可持续发展战略以及绿色金融政策方针，制定了可持续发展的行动框架，明确围绕绿色低碳、普惠金融与社会责任、人才赋能、数字化创新与合规治理等四大核心议题开展行动。
绿色低碳方面，安盛天平充分利用集团的全球经验与技术专长，探索推进新能源车险的创新迭代，其占整体车险份额在2023年提升至10%，远超行业水平。同时依托成熟的灾害数据模型及丰富的承保定价经验，我们在新疆、广东、江苏、上海、浙江、福建、江西和陕西等省份落地了多个天气指数保险项目，并通过气候指标数据助力推广智慧农业，不仅缓解了极端天气对民生的不利影响，更丰富了财政支持下的多层次巨灾风险分散机制，最大程度地发挥保险的金融杠杆效应，增强当地抗风险能力和安全生产保障水平。
普惠金融与社会责任方面，安盛天平积极响应普惠金融国家战略，努力缩小社会保障差距，为弱势和低收入人群填补保障缺口。通过与当地政府的紧密合作，我们积极参与济南、徐州、文山、玉林、钦州等多地的惠民保项目。2023年1月，在集团的支持下，我们和中国人民大学普惠金融研究院（CAFI）合作的《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》正式发布。项目纪录了湖南、陕西和上海等三个地区197户中低收入家庭的财务情况，充分了解了中国城乡中低收入家庭的真实财务需求以及使用金融服务方面存在的问题，为进一步做好普惠保险提供了有力的实践基础。在社会责任领域，安盛天平连续三年携手爱佑慈善基金会，组织30多场线上线下志愿者活动，为数百名重疾儿童及困境儿童带来温暖与陪伴，累计捐助善款60万人民币。
人才赋能方面，安盛天平围绕“预防、护理和支持”三大支柱，为员工长期提供关注身心灵健康的系列服务，并致力于打造平等、和谐的工作环境，让包括少数群体在内的所有人士都能感受到爱与包容，促进男女平等、同工同酬。
数字化创新与合规治理方面，安盛天平以规范公司治理、长期专业保障和系统风险管控作为公司经营之本，持续提升公司整体风险管理水平，完善偿付能力风险管理体系，倡导合规稳健的企业文化。
从陆家嘴到滴水湖
充分发挥保险保障和风险管理的专业优势，服务实体经济发展，维护金融与社会稳定，是安盛的企业责任和对中国市场的承诺。推进高水平开放是金融业发展的必由之路，安盛天平第一时间响应国家战略和政府号召，紧紧把握上海国际再保险中心建设的历史性机遇，积极投身上海再保险“国际板”建设。
2023年6月，国家金融监督管理总局与上海市政府共同发布《关于加快推进上海国际再保险中心建设的实施细则》的政策号召。安盛天平迅速启动内部资源整合与筹建工作，在集团最高层领导的鼎力支持下，安盛天平上海再保险运营中心在8月14日顺利获得国家金融监督管理总局批复，我们有幸成为首批入驻临港新片区再保险国际交易中心的先锋险企，中国速度与法国速度完美契合。10月26日，在2023上海国际再保险会议开幕仪式上，安盛天平上海再保中心与临港新片区管委会、上海保交所签署了三方合作框架协议，标志着安盛天平上海再保中心成为再保险“国际板”的创始成员。
11月6日，安盛天平应邀参加第六届中国国际进口博览会，并举办了再保险“国际板”首单国际分入合约签署仪式。国家金融监督管理总局上海监管局党委书记、局长王俊寿，法国驻上海总领事王度（Joan Valadou）等多位重量级嘉宾共同见证了安盛扎根中国的全新一步。首单签约具有双重意义——交易双方均在再保险“国际板”登记注册，并通过再保险交易中心国际再保险业务平台完成交易；而首单业务也是对国家倡导的“港车北上”政策的积极响应，体现了安盛为粤港澳大湾区一体化融合发展贡献保险力量。
在当前世界正面临百年未有之大变局的重要时刻，作为东西方优秀文明的两大代表，中法两国关系的和谐稳固更是弥足珍贵。作为在华的法资保险公司，安盛天平将坚定不移地担当中法文化交流的使者，争做金融强国的建设者，做好金融高水平开放的先行者，以服务实体经济为宗旨，以服务实现中国式现代化为目标，为增强上海国际金融中心的竞争力和影响力，推动我国金融高质量发展、推动中法关系不断迈上新台阶贡献一份力量。
凡此过往，皆为序章。未来让我们携手同行，共同把握时代机遇，共创互利共赢！
In 2024, China and France will celebrate the 60th anniversary of their diplomatic relations establishment; and AXA will mark its 25th year in China. Over the past 25 years, AXA has had the honor to witness and participate in the spectacular growth of China. Living standards are improving, the real economy is growing, and digital and other infrastructures are expanding. Emerging industries are making their mark around the globe. AXA Tianping makes a solemn promise to fight climate change in sustainable development. With our professional, efficient, and reliable services and products, we offer insurance protection to individuals and corporations.
Milestones for AXA in China
Founded in 1817, AXA is one of the world’s leading insurance and asset management groups, with its headquarters stationed in Paris, France. It is one of the most valuable insurance companies, taking the title of the world’s best insurance brand for 10 consecutive years between 2009 and 2018. In the Best Global Brands ranking posted by Interbrand, the internationally renowned brand consultancy, AXA took 44th place in 2023.
In 1999, AXA entered the Chinese market and was privileged to witness and participate in the country’s breathtaking financial reforms. It is safe to say that every AXA milestone was achieved through the beneficial business environment and the firm support from every level of the government.
In December 2020, AXA completed the acquisition of the remaining 50% stake in AXA Tianping, making the company “the first foreign-owned P&C insurer in China”. By taking full control of AXA Tianping’s management, AXA is expanding its services from car insurance to diversified offerings, including insurance for health, corporate, accident, and more. AXA Tianping endeavors to fulfill people’s wishes for happiness and more comprehensively serve small, medium, and micro-enterprises as well as the real economy in general. Through a nationwide footprint of 25 branches covering 20 provinces, we serve over 3 million individual and commercial clients in China.
In 2022, AXA entered a new phase of outstanding development and profitable growth, characterized by “diverse products, quality control, and continuous expansion”, providing a range of synergized products and services across health, motor, accident, and commercial lines. Innovation is written in AXA’s DNA; the Group’s world-leading technological prowess and industry experience are the backbone of the development of AXA Tianping. We are the first insurer in China to deploy Akur8’s high-performing AI technologies to enhance the pricing process, meeting complex and fluctuating customer needs in dynamic risk environments while maintaining full transparency and strong control.
ESG Sustainable Development
“Act for human progress by protecting what matters” is AXA’s brand mission. We see guarantee as the heart of our operation, as we focus on individual happiness, support corporate development, and promote social progress. AXA goes beyond generating profits; we seek to enhance the quality of life for all. To assess the impact of its sustainability strategy – built around climate and inclusive protection – AXA takes on seven measurable commitments. As a responsible investor, we set a target for green investment and facilitate the green transition to a low-carbon economy for our clients and society. As a responsible insurer, we offer inclusive financial insurance products and services for vulnerable populations. As an exemplary company, we take on the social responsibilities as a large corporation, integrating the ESG core values and standards in the management system to achieve net-zero emissions in the value chain.
AXA Tianping proactively responds to regulatory changes in China while strictly complying with both the Group’s ESG initiatives and industry standards. At the center of our operation are the demands of the government, social institutions, shareholders, clients, employees, partners, suppliers, and other interested parties. We seek sustainable development defined by secure moral standards in the “double carbon” era, minimizing the negative impact of company operations on the environment and society.
AXA Tianping made 2022 a year for ESG dedications: in April, we established an ESG Committee led by the CEO, putting down an action framework for sustainable development based on realistic self-assessment, sustainability corporate strategy of the Group, and green finance policies. Our actions revolve around four core areas: low-carbon green initiatives, inclusive finance and social responsibility, talent empowerment, innovative digitalization, and compliance.
For low-carbon green initiatives, AXA Tianping leverages the global experience and technical expertise of the Group to promote innovative iterations of new energy vehicle insurance, boosting its share of the total motor insurance to 10% in 2023, a figure that far surpasses industry peers. Additionally, our advanced catastrophe loss modeling and extensive underwriting experience allow us to implement multiple weather index-based insurance across the provinces of Xinjiang, Guangdong, Jiangsu, Shanghai, Zhejiang, Fujian, Jiangxi, and Shaanxi. AXA Tianping is also involved in the promotion of intelligent agriculture with the weather index, which is not only beneficial to the alleviation of extreme weather’s impact on public welfare, but helps to enrich the multi-layered risk-sharing mechanism with fiscal support too. We boost the level of risk resistance and safe production guarantee for local regions by maximizing the financial leverage effect of insurance.
On the inclusive finance and social responsibility front, AXA Tianping proactively responds to national policies to reduce gaps in social security, offering protection for vulnerable and low-income populations. We also actively participate in supplementary insurance projects like Huiminbao in various cities and towns, such as Jinan, Xuzhou, Wenshan, Yulin, and Qinzhou, in close collaboration with local governments. In January 2023, with the support of the Group, our joint study with the Chinese Academy of Financial Inclusion (CAFI) of Renmin University of China, Constructing a Healthy Finance for Families Amidst Uncertainties: a Study of the Family Finance Diary of Low to Middle-Income Families in China, was published. Highlighting the genuine financial needs and challenges faced by these families in accessing financial services, this research looked into 197 low to middle-income families in Hunan, Shaanxi, and Shanghai. It provides a solid foundation for us to develop our inclusive insurance measures further. In terms of social responsibility, AXA Tianping has worked with the Ai You Foundation for three consecutive years and has organized more than 30 volunteer events, both online and offline. We brought comfort, joy, and companionship to hundreds of critically ill and disadvantaged children, and donated a total of 600,000 RMB.
For talent empowerment, the three pillar values of AXA Tianping, “prevention, care, and support”, remain front and center in our endeavors to offer long-term support for our employees’ mental and physical well-being. We are committed to creating a workplace of inclusiveness and fairness to accommodate all minority groups with love, which is the best environment to promote gender equality and equal pay.
As for innovative digitalization and compliance, AXA Tianping builds its operation on the solid ground of standardized corporate governance, long-term professional assurance, and systematic risk control. We continue to structurally improve our capabilities in risk management and solvency for a corporate culture defined by compliance and stability.
From Lujiazui to Dishui Lake
AXA’s promise to the Chinese market and the corporate responsibility it adheres to is to leverage AXA’s professional strength in insurance protection and risk management to promote the real economy while protecting financial and social stability. The progress of the financial industry relies on embracing an open market. Answering national strategies and government callings at the first instance, AXA Tianping seized the historic opportunity of the Shanghai Reinsurance Center establishment and immediately committed to building an international platform for Shanghai.
In June 2023, the National Financial Regulatory Administration and the Shanghai Municipal Government jointly released Guidelines for Accelerating the Construction of the Shanghai International Reinsurance Center. AXA Tianping quickly moved into motion, leveraging internal resources in preparation for the center’s construction. Backed by firm support from the Group’s executives, AXA Tianping Shanghai Reinsurance Operation Center was approved by the National Financial Regulatory Administration on August 14. We became one of the pioneering insurance companies in the Lin-gang Special Area International Reinsurance Trading Center. The speed of China and the speed of France were perfectly in sync. During the opening ceremony of the Shanghai International Reinsurance Conference on October 26, AXA Tianping Shanghai Reinsurance Center signed a collaboration framework agreement with the Lin-gang Special Area Management Committee and Shanghai Insurance Exchange. Hence, AXA Tianping became a founding member of the Shanghai international reinsurance platform.
On November 6, AXA Tianping was invited to the 6th China International Import Expo (CIIE), and hosted the ceremony for the first contract signing on the Shanghai international reinsurance platform. Many esteemed guests, including Wang Junshou, the Party Secretary and Director of the National Financial Regulatory Administration Shanghai Branch, and Joan Valadou, Consulate General of France in Shanghai, were in attendance to witness AXA taking a firm step in its commitment to China. The signing of the first contract is highly significant in two ways: firstly, it represents the two parties to the contract have registered and completed a transaction on the international reinsurance platform of the Reinsurance Trading Center. Secondly, it is an active answer to the call of the “Northbound Travel for Hong Kong Vehicles” national policy, meaning AXA has contributed its professional strength in insurance to the integrated development of the Guangdong-Hong Kong-Macao Greater Bay Area.
As the world is on the cusp of great changes that have not been seen in a century, a harmonious, secure relationship between China and France, the two great civilizations from East and West, is more important than ever. As a French insurance company operating in China, AXA Tianping is determined in our role as the ambassador for cultural exchanges between the two great nations. With eyes firmly set on serving the real economy and the realization of a Chinese-model modernization, we are a pioneer in embracing a high degree of openness in the financial sector. AXA Tianping will continue to contribute to the improvement of Shanghai’s competitiveness and influence as a financial center for the world and the high-quality development of China’s financial industry. We believe the China-France relationship will see new heights in the future.
The chapter of yesterday ends, a new chapter of tomorrow begins. We shall venture into the future together, seizing opportunities of the era to create a future of marvelous successes and win-win collaborations!