With the development of the COVID-19 crisis, the existence of insurance companies has always been uncertain. However, what is certain is that this pandemic poses great challenges to the finance and operations of the property insurance industry, not just medium-sized companies. We found four challenges facing the property insurance industry: permanent structural and operational transfer; and declining return on investment. The availability of resources is too high. The eight building blocks of CR conversion. What do you think about this? How does the insurance industry reform the following path?