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 ...

Group 1 - The core viewpoint of the articles highlights the innovative carbon excess loss insurance introduced by PICC Property and Casualty in Fujian, which aims to support high-energy-consuming industries in their green transformation amidst the national "dual carbon" goals [1][2] - The insurance product provides a risk guarantee of 1 million yuan for a key local enterprise, addressing the financial risks associated with carbon emissions exceeding limits due to equipment damage from natural disasters or accidents [1] - Sanming City, as a significant industrial base in Fujian, is actively exploring new paths for ecological priority and green development, particularly in steel, cement, and aluminum smelting industries facing stricter carbon emission controls [1] Group 2 - PICC Property and Casualty has long been involved in the green finance sector, integrating it into its medium- to long-term strategic planning, and has developed a "1+N" policy system for carbon peak and carbon neutrality insurance products [2] - From January to November 2025, the company provided risk protection amounting to 238.6 trillion yuan through green insurance, demonstrating its commitment to supporting comprehensive green transformation in the economy and society [2] - The company has also made strides in the carbon market by developing products like forest insurance and blue carbon transaction property safety insurance, contributing to the enhancement of carbon sequestration capabilities and the healthy development of carbon trading markets [2]

Core Viewpoint - The construction of the Guangdong-Hong Kong-Macao Greater Bay Area is a significant national strategy personally planned and promoted by President Xi Jinping, with China Taiping actively integrating its development into this blueprint and making substantial contributions to the area's financial services [1] Group 1: Strategic Direction - China Taiping has positioned "rooting in Hong Kong and Macao, deepening the Greater Bay Area" as its primary strategic direction during the 14th Five-Year Plan period, aiming to transform the Greater Bay Area into a high-quality development strategic highland [1] - The company is rolling out action plans to support connectivity, public welfare, real economy development, and the prosperity and stability of Hong Kong and Macao [1] Group 2: Cross-Border Financial Innovation - China Taiping has launched innovative cross-border financial products and services, including the first industry-specific insurance for cross-border vehicles, with 39,000 vehicles insured from January to November 2025, marking a 4.9% year-on-year increase [2] - The company introduced the "Hong Kong People Bay Area Pension Taiping Plan," which integrates insurance, pension, and cross-border medical services, winning awards in the Hong Kong insurance industry for 2024 and 2025 [2] Group 3: Support for Major Projects - China Taiping provides insurance services for major infrastructure projects such as the Hong Kong-Zhuhai-Macao Bridge and the Hong Kong Northern Metropolis, while also offering financial support to key transportation enterprises in the Greater Bay Area [3] - The company has established the Guangdong-Macao Traditional Chinese Medicine Science and Technology Industrial Park, with 240 registered enterprises expected by the end of 2025, significantly increasing the overall occupancy rate by over 40 percentage points [3] Group 4: Enhancing Public Welfare - China Taiping is actively involved in building a multi-tiered social security system in the Greater Bay Area, participating in various local welfare projects and providing risk protection for nearly 107,000 residents in Macao, amounting to 856.7 billion Macao Patacas [4] - The company has issued Asia's first dual-risk, dual-trigger catastrophe bond in Hong Kong and is committed to enhancing risk management capabilities in the region [4] - China Taiping aims to continue focusing on its core responsibilities, leveraging cross-border advantages, and fulfilling its role as a central enterprise to contribute to the Greater Bay Area's development as a world-class city cluster [4]

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 ...

在数字经济的浪潮下，外卖骑手、网约车司机、即时配送员等新就业形态劳动者已达8400万人。他 们穿梭在城市的"毛细血管"中，支撑起高效的生活运转，却长期徘徊在传统社会保险体系之外，面临 着"困在系统里、伤在路途上"的现实窘境。 为破解这一难题，自2022年7月起，我国启动新就业形态职业伤害保障（以下简称"职业伤害保 障"）试点，探索为这些"无雇主"劳动者建立保护屏障。职业伤害保障试点从7个省份、4个行业起步， 至2025年7月已扩容至17个省份，覆盖滴滴出行、顺丰同城等11家主要平台企业。人力资源社会保障部 数据显示，截至2025年底，职业伤害保障试点累计参保人数已达2510万人。 制度构建正在提速。不久前，提请全国人大常委会审议的《国务院关于灵活就业和新就业形态劳动 者权益保障工作情况的报告》提出，将着力完善制度机制，加快推进立法工作，包括抓紧出台新就业形 态劳动者权益保障办法，进一步完善灵活就业和新就业形态劳动者权益保障制度等。 2026年地方两会期间，广东、浙江、山东等多地代表委员聚焦新就业形态劳动者这一群体，纷纷呼 吁扩大职业伤害保障试点并推动立法，凸显了将"试点探索"转化为"法定标配"的广泛共识。 尽 ...

Core Insights - The "Swap Connect" trading and clearing scale has significantly increased, with a total clearing volume of 5.3 trillion yuan in 2025, marking a 45% year-on-year growth [1] - The "Swap Connect" has become a key tool for foreign investors to manage RMB interest rate risks since its launch in May 2023, contributing to the ongoing high-level opening of China's financial market [1] - The trading structure is primarily based on the 7-day interbank repo rate (FR007), with a growing variety of transaction types and an expanding participant base [2] Group 1 - In Q4 2025, the cumulative clearing volume of "Swap Connect" reached 1.33 trillion yuan, with 110 domestic and foreign investors participating, covering regions including China, Europe, the US, Australia, Southeast Asia, South Korea, and Japan [1] - The daily net limit for "Swap Connect" was raised to 45 billion yuan in October 2024, which effectively increased overall trading volume [1] - The clearing volume of "Swap Connect" accounted for 12.05% of the total clearing volume in the interbank interest rate swap market during the same period [1] Group 2 - The trading structure is diverse, with a focus on the 7-day interbank repo rate (FR007), while medium to long-term transactions have slightly increased, although most trades remain within one year [2] - Domestic banks and securities firms are the main domestic quote providers for "Swap Connect," with a recent expansion of domestic quote providers and a dynamic adjustment mechanism to enhance market participation [2] - The effective risk management by the central counterparty has been crucial for the stable operation of "Swap Connect," ensuring adequate risk resource reserves and reducing capital occupation for cross-border fund flows [2] Group 3 - In 2025, the types of "Swap Connect" products have been further enriched, with new measures accelerating financial opening and efficiency [3] - The clearing period for "Swap Connect" contracts was extended to 30 years, and new LPR1Y-linked interest rate swaps were included in centralized clearing, attracting active participation from domestic and foreign institutions [3] - Future plans include enhancing the "Swap Connect" mechanisms based on operational experiences and feedback from participants, focusing on diversified risk management needs and strengthening cross-border financial services [3]

A股股票与基金开户量激增，是市场行情向好的直接体现与有力印证。 刚刚过去的1月，A股三大指数悉数收涨，上证指数、深证成指、创业板指分别上涨3.76%、5.03%、4.47%，科创综指则大幅收涨近12%。市场整体呈 现"小盘成长占优，大盘价值承压"的结构性分化格局，有色金属与科技两大主线交替领涨。 《金融时报》记者2月3日从上交所获悉，2026年1月，A股新开户数491.58万户，刷新2024年11月以来的单月开户纪录，环比增长89.3%，同比增长 213.1%。同月，基金新开户54.63万户，环比增长123.8%，同比增长168.7%。 | 日期 | 总数 | A股 | B股 | 基金 | | --- | --- | --- | --- | --- | | 2026.01 | 546.27 | 491.58 | 0.05 | 54.63 | 展望后市，国泰海通证券策略团队认为，A股市场有望逐步企稳。一是国内政策重心正转向内需主导，并作为首要任务，有望提振中国经济前景与资产回 报；二是中国证监会近期再次强调"全力巩固资本市场稳中向好势头"。 博时基金宏观团队表示，近期ETF资金流出、海外波动加大，对A股市场形成 ...