On June 6th, the reporter learned that the State Administration for Financial Supervision and Administration (hereinafter referred to as the "State Administration for Financial Supervision") recently issued the "Guiding Opinions on Promoting the High Quality Development of Inclusive Insurance" (hereinafter referred to as the "Guiding Opinions"). According to the heads of relevant departments and bureaus of the State Administration for Financial Regulation, the Central Financial Work Conference has clearly pointed out that "we should do a good job in five major articles: technology finance, green finance, inclusive finance, pension finance, and digital finance.". Last year, the State Council also issued the Implementation Opinions on Promoting the High Quality Development of Inclusive Finance, which put forward new requirements for the development of inclusive insurance. Various market entities actively carry out inclusive insurance business, the supply of inclusive insurance services continues to deepen, product types continue to enrich, and social coverage gradually expands. The overall trend of inclusive insurance shows steady development and has achieved good results. However, it should also be noted that the current development of inclusive insurance still faces problems such as insufficient service breadth, low quality, and insufficient innovation. There is still a significant gap between insurance supply and the demand for people's protection. In order to better promote the development of inclusive insurance, improve the operational capacity and service level of the insurance industry's inclusive insurance, the State Administration of Financial Regulation has studied and issued the Guiding Opinions, focusing on improving the rules of the inclusive insurance system and providing strong policy support. At the same time, the above-mentioned person in charge stated that the high-quality development of inclusive insurance should adhere to several principles: first, adhere to broad coverage and improve the accessibility of insurance services; Secondly, adhere to benefiting the people and improving the affordability of insurance services; Thirdly, adhere to fairness and integrity, and enhance the protection attributes of insurance products; The fourth is to adhere to stable operation and improve the sustainability of insurance operations. The Guiding Opinions point out that as an important component of inclusive finance in China, inclusive insurance should focus on safeguarding people's livelihoods and serving society, and strive to provide broad coverage, fair access, reasonable premiums, and effective insurance services for the general public. In the next five years, a high-quality inclusive insurance development system will be basically established. New progress has been made in improving the quality and expansion of basic insurance services, improving the accessibility of insurance services in key areas and groups, improving insurance infrastructure and development environment, achieving new results in preventing and resolving insurance risks, and promoting the construction of a financial powerhouse with inclusive insurance. For the key areas of current inclusive insurance development, the aforementioned person in charge stated that improving the level of protection for farmers and low-income groups in urban areas, increasing protection for the elderly, women, children, people with disabilities, chronic patients, special professions, and new urban residents, and improving the risk resistance of small and micro enterprises, individual businesses, and new agricultural operators. Vigorously develop agricultural insurance and pension insurance, actively participate in responding to emergencies such as natural disasters, accidents and disasters, public health, campus safety, road safety, etc., carry out risk reduction services, and effectively enhance the ability to safeguard various risks. Actively develop insurance related to medical liability, medical accidents, and vaccination. Adapt to the changes brought about by population policy adjustments, actively develop maternity and child insurance, and meet the needs of family risk protection. The Guiding Opinions require insurance companies to establish a leadership system for the development of inclusive insurance, strengthen strategic planning and top-level design of inclusive insurance, and regularly listen to the development of inclusive insurance by the board of directors and management. Clarify the leading department for inclusive insurance business and establish a working mechanism to promote the high-quality development of inclusive insurance. Insurance companies should include the implementation of inclusive insurance and fulfilling social responsibilities in their performance evaluations, and the weight of inclusive insurance evaluations for large insurance companies should not be less than 5% in principle. Strengthen the internal control management of inclusive insurance, ensure that business operations are in compliance with laws and regulations, business and financial data are truthful, and timely identify and prevent related risks. The State Administration for Financial Regulation stated that the next step will be to solidly promote the implementation of the Guiding Opinions, guide insurance companies to further enrich inclusive insurance products and services, improve the level of protection for farmers and low-income groups in urban areas, and enhance the risk resistance capabilities of small and micro enterprises, individual businesses, and others; Improve the quality and efficiency of inclusive insurance services, give full play to the active role of various insurance companies, improve the management mechanism of inclusive insurance, and standardize the agency and cooperation behavior of inclusive insurance. Strengthen organizational protection, actively coordinate and seek support from all parties, further optimize the development environment of inclusive insurance, consolidate the data foundation of inclusive insurance, and conduct in-depth research on inclusive insurance education and the development laws of inclusive insurance; Strengthen the supervision of inclusive insurance business, improve statistical indicators of inclusive insurance, strengthen consumer rights protection, strengthen supervision of inclusive insurance, and promote the sustainable and healthy development of inclusive insurance business. (Lai Xin She)