2月4日，不少用户发现，一度在各大微信群传得火热的元宝红包链接无法直接打开了。 当日上午，微信派官方公众号表示，收到用户针对元宝的反馈和投诉，其相关春节营销活动存在通过"做任务""领红包"等方式诱导用户高频分享链接到微 信群等场景，干扰平台生态秩序、影响用户体验、对用户造成骚扰。经研判，对元宝的违规链接进行处置，限制其在微信内直接打开。相关处置措施即日 生效。 《金融时报》记者关注到，经过调整后，目前元宝红包微信分享机制已变更为"口令红包"。 元宝快速响应调整，是合规经营的必要动作。对企业而言，春节营销应兼顾增长与用户感受，用合规、轻量化的互动留住用户；对平台来说，常态化严管 违规分享、及时响应投诉，才能守护清朗社交环境，实现平台、企业、用户三方共赢。 这场"封链"被业界戏称为"大水冲了龙王庙"。微信、元宝同属腾讯体系，不少用户点评，微信此举最值得肯定的是规则面前一视同仁。即便元宝同属腾讯 体系，只要触碰"诱导分享"红线、引发用户投诉，便依规处置，没有特例与豁免，既守住《微信外部链接内容管理规范》的公信力，也向所有营销主体划 清合规边界。 春节是营销旺季，红包裂变本是高效获客手段，但过度诱导、刷屏骚扰早已背离 ...

2月3日，香港保险业监管局表示，宏福苑火灾发生后，该局全力协调保险公司为受影响人士提供支援， 并密切监察处理理赔个案的进度。至今1032宗(85%)个案已处理完毕，涉及金额近5.1亿元。 宏福苑火灾发生至今已逾两个月，受灾群众的善后与理赔进度一直牵动着社会的心。近日，保险理赔工 作迎来重大进展。 香港保险业监管局行政总监张云正表示："大部分理赔个案已成功在基于公平待客的原则下获得解决， 余下个案须作出实地勘察和损毁评估，我们会继续与香港保险业联会积极跟进。" 一般保险理赔个案共1030宗，其中863宗已处理完毕(84%)，涉及金额约4.5亿元； 人寿保险理赔个案共188宗，其中169宗(90%)已处理完毕，涉及金额约6千万元。 ...

随着人口结构变化、疾病谱系变迁以及民众对健康品质需求的不断提升，单纯以疾病治疗为中心的医疗 模式已不能满足多元化的健康需求。社会办医作为公立医疗服务体系的重要补充，在这场变革中扮演着 愈发关键的角色。其中，由保险资本主导的医疗集团，因其独特的资源禀赋与商业模式，被视为重塑产 业格局的重要变量。 北大医疗作为这一领域的先行者与代表性机构，具有双重基因：一是源自北京大学医学部逾百年的深厚 学术底蕴、严谨医风与顶尖人才体系，这是其医疗品质的压舱石；二是来自中国平安集团的综合金融资 源、科技创新能力与庞大客户生态，这是其模式创新的推进器。两种不同的基因如何真正融合？险资办 医如何平衡医疗本质与市场逻辑？在医疗健康产业变革的十字路口，北大医疗如何走出一条可持续的创 新之路？针对上述问题，近日，《金融时报》记者对北大医疗董事长、平安健康险董事长兼首席执行官 朱友刚进行了专访。 《金融时报》记者：北大医疗所实践的"保险+医疗"模式，最根本的优势与核心的挑战是什么？在实践 中，北大医疗如何用好"北大底蕴"与"平安特色"？ 朱友刚：首先谈优势。险资办医，尤其是背靠大型综合金融集团办医，核心优势在于两个方面。一是构 建"支付+服 ...

随着我国人口老龄化程度不断加深，失能老年人数量持续增长。国家卫生健康委数据显示，我国失 能失智老人已超4500万人，平均每6名老年人中就有1名需要长期照护。面对庞大的照护需求，传统的家 庭照护模式已难以为继。长期护理保险制度的确立，正是对"一人失能、全家失衡"这一社会痛点的系统 性回应。 2025年7月，中共中央办公厅、国务院办公厅印发《关于加快建立长期护理保险制度的意见》，明 确提出了"到2030年基本形成适应我国经济发展水平和老龄化发展趋势的长期护理保险制度"的总体目 标。 《金融时报》记者注意到，近期，河北、云南、海南、广西柳州、广东清远等地相继出台长护险实 施方案，探索社保"第六险"的中国路径。 筹资机制从单一依赖到多元探索 自2016年启动试点以来，截至2025年底，长护险制度已覆盖近3亿人，累计惠及超330万失能群众， 基金支出超千亿元。试点地区的实践表明，长护险在缓解家庭照护压力、提升失能人员生活质量方面发 挥了积极作用。 不过，试点也暴露出长护险制度设计中的一些深层次问题。如筹资机制过度依赖医保基金划转，导 致制度的独立性和可持续性不足；服务供给体系不健全，"有钱买不到服务"的现象时有发生；地 ...

Core Viewpoint - The establishment of AIA Asset Management and Aegon Asset Management in Shanghai marks a significant step in the high-level opening of China's financial market, showcasing the commitment of international capital to China's financial reform and development [1][4]. Group 1: Company Establishment - AIA Asset Management and Aegon Asset Management held their opening ceremony on January 28, marking the debut of the first wholly foreign-owned insurance asset management companies in Shanghai [1]. - The approval for the establishment of these companies was granted by the Financial Regulatory Bureau in December 2025, following a rapid six-month preparation period [2][3]. - AIA Asset Management is fully owned by AIA Life Insurance with a registered capital of 100 million yuan, while Aegon Asset Management, backed by the 180-year-old Aegon Group, has a registered capital of 250 million yuan [3]. Group 2: Strategic Importance - The simultaneous launch of these institutions is seen as a landmark event for Shanghai's financial sector and reflects the dual engagement of China's financial industry with international capital [4]. - Both companies aim to leverage their global expertise to provide diversified and international asset management services to Chinese institutional investors [3][5]. Group 3: Market Insights - The past five years have seen an average annual growth rate of about 8% in the assets under management in China's trust, wealth management, and insurance asset management sectors, making it the second-largest asset and wealth management market globally [6]. - International insurance giants view China as a market with significant growth potential, leading to increased investment and participation from foreign institutions [6]. - The entry of foreign firms is expected to enhance the diversity of products and services available in the Chinese insurance market, benefiting consumers and pushing local firms to improve their professional capabilities [6].

Core Insights - The insurance industry is experiencing a transformation driven by the influx of high-end talent from various sectors, responding to changing customer demands for comprehensive solutions rather than simple insurance policies [1][2][4] - Companies are implementing specialized training programs and recruitment initiatives to attract and retain professional talent, enhancing their service offerings and operational capabilities [2][3] Group 1: Talent Transformation - Chen Jitao, a former private banking executive, transitioned to a role at Ping An Life, seeking a platform that allows for greater personal agency and long-term commitment [1] - High-end professionals from diverse backgrounds, including finance, law, and healthcare, are increasingly entering the insurance sector, bringing valuable resources and expertise [1][2] - Ping An Life's "High Talent Manager Training Program" and similar initiatives from other leading insurers aim to provide structured training and resources to enhance the capabilities of new recruits [2] Group 2: Industry Dynamics - The competition among insurance companies has intensified, leading to a focus on professional development and the establishment of new management systems to support agents [3][4] - The entry of skilled professionals is reshaping the client relationship dynamics, with agents now expected to provide comprehensive financial planning and solutions [4] - Despite the positive momentum, challenges remain, including the integration of new talent with the existing large pool of agents and the pressure to balance long-term strategies with short-term performance metrics [5][6] Group 3: Market Challenges - The insurance industry faces a significant challenge in bridging the gap between newly recruited professional agents and the existing large number of traditional agents [5] - There is a tension between the need for long-term value creation and the pressure for immediate business performance, which complicates strategic decision-making [6] - Changing societal perceptions of insurance sales remains a hurdle, as many still hold outdated views of the profession [6]

一方面，保险免责条款明确。《中国保险行业协会机动车商业保险示范条款（2020版）》规定，因 饮酒、吸食或注射毒品、服用国家管制的精神药品或者麻醉药品造成被保险机动车的任何损失和费用， 保险人均不负责赔偿。此举旨在防范道德风险、维护公共利益并控制承保风险。 此后，李某豪父子利用虚假的驾驶人信息，向保险公司申请理赔，成功骗取保险金112万余元。然 而，公安机关在后续调查中发现疑点，最终揭穿了这场骗局。 河南省新密市人民法院经审理认为，被告人李某豪酒后驾车违反交通运输管理法规，因而发生重大 事故，致1人死亡，负事故全部责任，且交通肇事后逃逸。被告人李某豪对发生的交通事故编造虚假原 因，骗取保险金，数额特别巨大，其行为已构成交通肇事罪、保险诈骗罪。最终，法院对被告人李某豪 以交通肇事罪、保险诈骗罪，数罪并罚，判处有期徒刑十三年，并处罚金10万元；责令被告人李某豪退 赔被害单位某保险公司损失112万余元。 近年来，全国各地类似案件频发，花样百出的顶包手段背后，是相同的侥幸心理和对法律的漠视。 2024年11月，付某酒后驾车回公司，在公司门口撞倒骑着摩托车的刘某，致其重伤二级。惊慌之 下，付某弃车离开现场，回到公司宿舍叫 ...

2026年1月1日起，一项暖心政策在全国范围内实施：中度以上失能老年人可领取养老服务消费补 贴，用于支付居家、社区、机构养老服务费用。 据专家估算，按照每人每月最高800元的抵扣额度，总体补贴资金规模将达到1500亿元至2000亿 元。 养老消费补贴全面启动 民政部办公厅、财政部办公厅联合发布的《关于全面启动实施向中度以上失能老年人发放养老服务 消费补贴项目的通知》明确提出，从2026年1月1日起，在全国范围内组织实施向中度以上失能老年人发 放养老服务消费补贴项目（以下简称"补贴项目"），实施周期从2026年1月至12月。 此次在全国范围内铺开补贴项目，是在去年试点基础上的全面拓展。2025年7月，民政部、财政部 联合印发《关于实施向中度以上失能老年人发放养老服务消费补贴项目的通知》，并决定在浙江等3个 省份及四川成都等4个地市先行开展试点。截至2025年10月8日，试点地区失能老年人及其代办人领取了 36.51万张养老服务消费券，使用消费券24.32万次，核销金额达1.82亿元，政策成效初显。 补贴项目包括居家、社区、机构养老服务。其中，居家、社区养老服务主要包括助餐、助浴、助洁 等服务；机构养老服务包括长 ...

Core Insights - The Chinese government emphasizes the development of the ice and snow economy as a new growth point, focusing on the entire industry chain including sports, culture, equipment, and tourism [1] - The ice and snow tourism sector is experiencing sustained growth, with a projected 3.6 billion visitors and revenue of 450 billion yuan during the 2025-2026 winter season [2] - Insurance companies are actively integrating into the ice and snow economy, providing tailored risk management services to support the development of ice and snow cultural tourism projects [1][2] Industry Growth - The ice and snow industry in China has grown from 364.7 billion yuan in 2016 to 980 billion yuan in 2024, with an average annual growth rate of 21.09%, and is expected to exceed 1 trillion yuan by 2025 [6] - The government aims for the ice and snow economy to reach 1.2 trillion yuan by 2027 and 1.5 trillion yuan by 2030 [6] Insurance Sector Involvement - Insurance companies are developing specialized insurance products for winter sports, addressing the unique risks associated with activities like skiing [4][5] - Customized insurance solutions are being offered for various aspects of the ice and snow industry, including event coverage, equipment manufacturing, and youth sports initiatives [6][7] - Major insurance firms have provided substantial coverage for significant events, such as the Beijing Winter Olympics, with total coverage exceeding 500 billion yuan [6] Consumer Engagement - The popularity of ice and snow activities has led to increased demand for specialized insurance, with many consumers seeking tailored coverage for skiing and other winter sports [4][5] - Insurance services are evolving towards more personalized and scenario-based offerings, enhancing consumer confidence in participating in ice and snow activities [2][3]

近期，地方两会陆续召开，布局全年发展重点。《金融时报》记者注意到，在今年地方两会 上，"保险"一词出现的频率显著提升，其内涵也在不断拓展：从传统的社会保障补充，逐步深度嵌入社 会治理体系；从聚焦"一老一小"的民生关切，延伸到护航"新业态、低空经济"等产业前沿。 多地2026年"施工图"清晰地表明，保险正成为地方政府完善治理、提升公共服务能力的重要工具， 一张更广泛、更精准、更立体的风险保障网络加速织就。 长护险持续扩面提质 随着我国人口老龄化程度不断加深，如何"体面养老"成为地方两会关注的头等大事。在2026年地方 政府工作报告中，对于长期护理保险的发展规划，已不再是试点探索，而是迈入了制度化建设和全面扩 面的快车道。 全国总工会数据显示，我国新就业形态人员已约8400万人。随着家政服务、互联网营销等新行业的 迅速扩张，如何填补这些"原子化"劳动者的保障缺口，成为代表委员热议的焦点。 浙江省政府工作报告明确提出，提高灵活就业人员、新就业形态人员的参保率；广东省提出巩固提 升失业、工伤保险省级统筹，推进职业伤害保障试点扩围。 在地方两会上，新就业形态人员职业伤害保障（以下简称"职业伤害保障"）试点扩围的呼声尤为 ...