《每日经济新闻》专访安盛天平CEO左伟豪：企业出海面临双重风险升级，风险管理应纳入战略核心
An Exclusive with Kevin CHOR, CEO of AXA Tianping: With Dual Challenges for Enterprises Going Global, Risk Management Needs to be Integrated as a Strategic Core
2025年中国国际服务贸易交易会近日在京举办，金融服务作为重要板块，展现了我国金融业的创新活力。随着企业对外投资加速，跨境金融服务需求显著增长，多项助力企业”走出去”的金融方案在展会期间发布。
安盛天平财产保险有限公司CEO左伟豪在接受专访时指出，当前企业出海已从”产品输出”进入”体系输出”阶段，风险呈现”传统风险复杂化+新兴风险结构化”的双重升级特征。他建议出海企业树立风险前置理念，将风险管理置于战略决策核心。
左总表示，企业在出海过程中主要面临四类挑战：海外法律政策和监管环境复杂多变，易引发合规风险；文化差异带来本地化经营难题；缺乏海外数据导致定价困难；服务网络不完善推高运营成本。
与十年前相比，当前出海风险格局已发生显著变化。传统风险如文化差异、市场竞争等依然存在，但地缘政治冲突、合规监管加强、网络安全要求提升、ESG标准提高等新兴风险正成为企业全球竞争力的关键影响因素。
谈及未来发展，左总认为，地缘政治、合规监管、网络安全等风险将持续演化。安盛天平凭借集团全球网络优势，通过”全球能力+本地洞察”模式，为出海企业提供”事前合规+事中干预+事后快赔”的三维保障。
近期安盛与人保财险在泰国合作的项目就是成功例证，通过整合风控模型、本地网点和服务协同，为新能源汽车品牌提供了可靠的车险保障。
对于即将或刚开启出海征程的企业，左总提出三点建议：首先，将风险管理前置于战略决策环节；其次，坚守合规底线，确保网络和数据安全；最后，善用保险工具，构建全球风险转移的”安全垫”。
作为扎根中国26年的外资保险机构，左总高度评价中国市场的独特价值：消费潜力持续释放、制度型开放红利不断显现、创新生态日益完善。中国金融领域的制度型开放为外资企业提供了可持续增长的发展沃土，安盛天平将继续深耕中国市场，参与行业创新建设。
The 2025 China International Fair for Trade in Services was recently held in Beijing. The financial services sector, as a key component, showcased the innovative vitality of China’s financial industry. With the acceleration of corporate outbound investment, the demand for cross-border financial services has grown significantly. Numerous financial solutions designed to support enterprises in “going global” were launched during the event.
In an exclusive interview, Kevin Chor, CEO of AXA Tianping Property & Casualty Insurance Co., Ltd., shared his view on enterprises expanding overseas, evolving from “exporting products” to “exporting systems,” outlining how this trend is driving a dual upgrade in risk profilies: traditional risks are becoming more complex while emerging risks are becoming more structured. His key recommendation for companies going global is to adopt a forward-looking approach to risk, placing risk management at the core of strategic decision-making.
Mr. Kevin Chor stated that companies face four main types of challenges during overseas expansion: the complex and ever-changing overseas legal, policy, and regulatory environments, which can easily lead to compliance risks; cultural differences posing challenges for localized operations; lack of overseas data leading to pricing difficulties; and insufficient service networks driving up operational costs.
Compared to a decade ago, the current risk landscape for overseas expansion has changed significantly. Traditional risks such as cultural differences and market competition persist, while emerging risks including geopolitical conflicts, intensified compliance and regulatory scrutiny, heightened cybersecurity requirements, and elevated ESG standards become key factors influencing companies’ global competitiveness.
Looking ahead, Mr. Kevin Chor believes that risks related to geopolitics, compliance regulations, and cybersecurity will continue to evolve. Leveraging the global network advantage of its parent group, AXA Tianping adopts a “global capability + local insight” model to provide three-dimensional protection for companies going global: “pre-event compliance + in-process intervention + post-event fast claims settlement.”
A recent collaborative project between AXA and PICC P&C in Thailand serves as a successful example. By integrating risk control models, local branches, and service coordination, it provided reliable auto insurance coverage for a new energy vehicle brand.
For companies beginning or newly embarked on their overseas journey, Mr. Kevin Chor advises a three – pronged approach: First, integrate risk management upfront into the strategic decision-making process; Second, adhere to compliance baselines and ensure network and data security; Lastly, utilize insurance tools effectively to build a “safety net” for global risk transfer.
As a foreign insurer with 26 years’ presence in the Chinese market, Mr. Kevin Chor spoke highly of the unique value of the Chinese market: continuously unleashed consumption potential, steadily emerging dividends from institutional opening-up, and an increasingly robust innovation ecosystem. The institutional opening-up in China’s financial sector provides fertile ground for the sustainable growth of foreign enterprises. AXA Tianping remains committed to deepening its presence in the Chinese market and participating in the industry’s innovative development.