CITIC Securities: AI-driven insurance development is expected to significantly create additional growth

NightAirdropper · 2026-03-10T09:38:11+00:00

CITIC Securities Research points out that China's insurance market has low depth and density, with traditional channels still being the main method. As the capabilities of insurance agents improve and policy benefits continue, the industry is expected to experience growth. AI technology is expected to drive industry transformation, promote two-way matching, and create new incremental growth. Investments should focus on technological capabilities, digital infrastructure, and account systems.

NightAirdropper

2026-03-10 09:38:11

Abstract generation in progress

Everyday AI Express, March 10th, China Securities Research Report states that the overall depth and density of China’s insurance industry are relatively low. Traditional channels remain the main method, and the industry is still in the “product seeking customers” stage. Currently, insurance agents are continuously improving their capabilities and still hold value; the bancassurance channel is benefiting from policy incentives, and the migration of savings deposits brings major industry growth. The mobile internet traffic dividend has peaked, with limited solutions to pain points, and internet insurance penetration is about 10%. As large-scale model technology matures, AI is expected to drive the insurance industry from “product seeking customers” to “product and customer matching,” enabling dual evolution of innovative and traditional companies, which is likely to generate significant incremental growth. From the perspectives of technological capability, digital infrastructure, and account systems, three investment themes are highlighted.

Daily Economic News

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