1月27日，市场监管总局发布了2025年综合整治"内卷式"竞争十大重大案件： 一是查处"莆田来啦"连锁企业侵犯注册商标专用权案。通过组织全国性、跨区域集中执法行动，成功摧 毁隐蔽性强、规模庞大的体系化制售假网络，有效遏制相关行业通过侵权假冒进行低价恶性竞争的"内 卷"问题，推动建立以尊重知识产权和鼓励创新为基础的良性竞争生态。 五是查处山西老葛商贸有限公司虚假宣传、价格欺诈系列案。依法查处当事人通过直播平台为合作方不 当推广营销商品等违法行为，累计罚款560万元，有力遏制利用直播营销进行不正当竞争的行业乱象。 六是查处苗古金贴（厦门）大药房有限公司发布违法广告案。依法查处当事人利用AI技术虚构"非遗传 承人"形象进行虚假宣传，并伴有"刷单炒信"等违法行为，有力打击了技术手段新、社会危害面广的新 型违法广告，遏制了利用违法广告进行"内卷式"竞争的市场乱象。 七是查处海南环城电线电缆有限公司销售不符合国家标准的电力电缆产品案。依法查处企业销售不合格 产品的违法行为，严厉打击通过降低质量、以次充好换取市场份额的恶性竞争，严守重点工业产品质量 安全底线。 八是查处何某某虚假宣传案。依法对当事人通过私域营销实施食品违法 ...

眼下，银行财富管理市场正迎来深刻的格局重塑。从大型国有银行到区域性中小银行，各类机构纷纷聚 焦核心能力建设，在产品创新、服务升级、科技赋能的赛道上展开差异化竞争。 中国邮政储蓄银行研究员娄飞鹏表示，财富管理部门的设立与整合，其积极意义在于推动银行从"产品 驱动"转向"客户驱动"，在提升服务一致性与专业度的同时，增强客户黏性与长期价值挖掘能力。"长远 来看，这将助力零售业务从传统存贷模式，逐步升级为轻资本、高黏性的综合财富顾问模式，进而为银 行构建可持续增长的新引擎。"娄飞鹏表示。 财富管理市场将迎来持续资金增量 2026年以来，多家研究机构抛出对存款到期规模的最新测算数据。据相关券商研报测算，1年期以上定 期存款到期量接近70万亿元，比2025年高出约10万亿元。 "大量高息存款集中到期，有望为银行财富管理市场带来持续的资金增量，创造出结构性机遇。"高政扬 表示，下一步，资金流向将受客户风险偏好的显著影响，大部分资金或仍将留在低风险存款及类存款产 品中；同时，在收益提升的需求驱动下，一部分资金有望逐步向理财、基金、保险等产品转移。尤其是 高净值人群，其资产配置需求有望持续增加，稳健型金融产品或将迎来资金青睐。 ...

Core Insights - The banking sector is undergoing a significant structural transformation in physical branch networks due to the rise of fintech and increasing industry competition [1][2] - In 2025, over 11,000 bank branches were approved for closure, while more than 8,400 new branches were established, indicating a shift from "scale expansion" to "value enhancement" [1][2] Group 1: Branch Closures - The trend of branch closures has accelerated, with over 11,000 branches approved to cease operations in 2025, a significant increase from 2,483 in 2024 [2][3] - Nearly 8,000 of the closures were commercial bank branches, marking a record high for branch exits in recent years [2][3] - The closures are driven by deep digital transformation and the need for banks to adapt their operational strategies [2][3] Group 2: New Branch Openings - In 2025, a total of 8,548 new bank branches were established, surpassing the number of closures [4] - The focus has shifted towards optimizing branch structures, with an emphasis on enhancing coverage in county areas and aligning with rural revitalization and inclusive finance strategies [4][5] Group 3: Efficiency and Value Creation - The transformation of bank branches aims to enhance service quality and redefine their roles, moving from mere transaction processing to value creation [6][7] - Banks are increasingly integrating technology into their branch operations, with a focus on creating specialized branches for sectors like technology finance, green finance, and elder finance [6][7] - The future of physical bank branches is expected to involve a redefined role rather than complete elimination, emphasizing the need for a hybrid approach that combines online and offline services [7]

"退保损失我来补"——因轻信保险业务员这句口头承诺，退掉10份投保多年的保单重购新产品，最 终换来10万元的实际损失与1份无力承受的新合同。 近日，北京市朝阳区人民法院审结一起因保险业务员违规销售引发的保险合同纠纷案件。法院认 定，保险业务员在销售过程中存在虚假承诺、误导投保等职务行为，保险公司在管理和监督方面存在过 错，应对投保人退保损失承担主要赔偿责任。 老客户被"游说"退保 朝阳区人民法院公布的案情显示，原告季先生、许女士系某保险公司多年老客户，先后购买了10份 不同类型的保险产品，涵盖疾病保障及兼具理财功能的保险。后该公司业务员兰某主动上门推销新保险 产品，称新产品"收益更高、保障更优"。 基于兰某的口头承诺，原告季先生、许女士退保10份尚未到期的保险合同，实际产生退保损失约10 万元。同时，为凑齐首年保费，二人还向兰某借款1万元，并通过保单贷款3万元完成投保。 但是，原告二人的退保损失补偿却始终未兑现，新保险合同也迟迟未送达。直至5个月后收到合 同，二人发现新产品需连续缴费10年，总保费高达200万元，且若中途停缴，仅退还现金价值，与业务 员此前承诺严重不符，遂将该保险公司诉至法院。 在审理中，被告 ...

随着2025年11月非车险"报行合一"政策正式落地，财险行业迈入"费率透明、费用合规"的转型发展 新阶段。作为"报行合一"治理体系与行业"反内卷"的关键执行环节，"见费出单"规则成为近期行业热议 话题。 责任编辑：杨喜亭 目前，全国多地已启动非车险"见费出单"试点，为规则推广积累了宝贵经验。如山东由省保险行业 协会牵头印发《山东省非车险业务"见费出单"实施方案》，明确全省（不含青岛）经营非车险业务的财 险公司，需在收取全额或首期保费后，方可出具保单、批单等有效凭证。云南则以行业自律公约形式， 划定十大险类全覆盖，要求单笔50万元以下业务全额"见费出单"，50万元以上分期业务首期缴费比例不 低于40%，以人工控制方式筑牢合规防线。大连注重科技应用，其上线的非车险"见费出单"系统实现核 保、缴费绑定、到账验证全流程自动化，从技术层面杜绝保费拖欠漏洞。 作为财险行业增长主力，2025年上半年，非车险保费收入达5122.11亿元，市场占比已突破五成， 覆盖家庭保障、企业风控等多元领域，其规范发展直接关系到整个财险行业的稳健运行。 从行业长远发展来看，"见费出单"标准化落地将推动非车险行业从"规模导向"向"价值导向"深 ...

Core Viewpoint - The article emphasizes the importance of inclusive finance as a requirement for commercial banks to serve the real economy and contribute to high-quality social development, highlighting China Minsheng Bank's commitment to small and micro enterprises over the past 18 years [2][3]. Group 1: Development of Inclusive Finance - China Minsheng Bank has focused on small and micro finance since 2008, providing services to over 20 million small enterprises, establishing itself as a leader in this sector [2][3]. - The bank's innovative approach began post-2008 financial crisis, introducing the "Shangdai Tong" loan product in 2009, which addressed the financing needs of small enterprises [3]. - By 2011, the bank expanded its services from single credit offerings to comprehensive financial services, significantly increasing its business scale and service quality [3]. Group 2: Digital Transformation and Service Innovation - With the rapid development of information technology, the bank has shifted its small micro finance services from offline to a hybrid online-offline model, utilizing big data and mobile internet [4]. - In 2021, the bank initiated a transformation of its small micro finance model, enhancing service channels and integrating personal and corporate services [4]. - The bank has developed a digital platform, the Minsheng Small Micro App, which supports various online services for small enterprises, including financial management and loan applications [12]. Group 3: Case Studies of Support for Small Enterprises - The article shares a success story of a small retail enterprise that grew from a family business to a regional brand with the support of China Minsheng Bank, highlighting the bank's role as a reliable financial partner [6][7]. - The bank provided timely financing solutions, including a 3.19 million yuan loan to support the opening of new stores, demonstrating its responsiveness to client needs [7]. - Another example includes the bank's support for a new type of elderly care enterprise, providing a 10 million yuan credit facility to enhance service quality and meet the growing demand in the aging population sector [9][10]. Group 4: Comprehensive Financial Services and Risk Management - China Minsheng Bank has established a comprehensive service ecosystem for small enterprises, integrating financing, account management, and cash management into a single service model [13]. - The bank has implemented an intelligent risk management system to enhance credit assessment and approval efficiency for small enterprises [14]. - The bank's focus on serving key customer groups includes innovative financial products tailored for technology-driven and export-oriented small enterprises, enhancing their access to financing [15][16].

2026年保险业"开门红"进入收官倒计时，银保渠道以超预期的爆发式增长成为绝对主角。行业数据 显示，2025年上半年，银保渠道以约5300亿元新单规模保费超越个险渠道重回"C"位。今年元旦假期， 近40家参与统计的险企银保新单保费合计达711亿元，头部险企银保期缴业务同比增幅均实现翻倍。 据多家券商测算，2026年初，全国金融市场或将迎来规模高达50万亿元的定期存款集中到期。在当 前环境下，银保渠道仍将延续较好增势，居民资金跨品类配置需求持续释放，分红险成为资金配置"香 饽饽"。但与此同时，银保渠道仍暗藏销售误导抬头、产品结构单一、考核机制失衡等隐忧。这场规模 盛宴背后，渠道高质量发展的考验已然来临。 银保期缴保费增长火力全开 2026年"开门红"期间，银保渠道成为拉动行业保费增长的核心引擎，不仅规模创下近年来同期新 高，期缴业务占比的提升更标志着渠道质量的阶段性改善。 从行业表现来看，银保渠道2025年期缴业务总体增速约10%。头部险企凭借与银行的深度协同优 势，斩获显著增长成果。截至1月8日，中国人寿、平安人寿、人保寿险的银保期缴保费增幅分别高达 205%、168%和108%。除三家头部险企外，多家中型险 ...

海上风电项目投资规模大、技术复杂度高、作业环境恶劣，对保险公司的风险承接能力和专业风控 提出极高要求。人保财险依托在大型工程项目险领域的深厚积淀，构建起覆盖新能源项目全生命周期的 风险保障体系，有力支撑国家绿色能源战略实施。 党的二十届四中全会提出，要加快建设新型能源体系。人保财险表示，将持续贯彻落实全会精神， 按照人保集团部署，持续强化保险经济减震器和社会稳定器功能，进一步优化对风电、光伏等清洁能源 的保险服务，助力提升国家能源安全保障水平。 责任编辑：杨喜亭 近日，随着全球首台20兆瓦海上风电机组在福建闽南海域顺利完成吊装，中国海上风电单机容量正 式迈入20兆瓦级。在这一标志性项目背后，人保财险作为首席承保人，以全方位风险保障为大国重器保 驾护航，展现了金融保险服务国家重大工程、助力新能源产业高质量发展的坚实力量。 据了解，这台由三峡集团与金风科技联合打造的"巨无霸"，并网后年发电量预计超8000万千瓦时。 其成功建设，不仅是中国海上风电技术迈向深远海、大容量化的关键突破，也是高水平风险管理与金融 支持深度融合的生动实践。 早在2022年，人保财险便深度参与项目前期规划，首席承保"三峡集团漳浦六鳌海上风电 ...

继与复星集团、欧葆庭、雅达资本等合作之后，新华保险在医康养生态领域又添重磅战略合作对 象。近日，新华人寿保险股份有限公司（以下简称"新华保险"）与New Frontier Group Limited（新风天 域集团）在北京举行战略合作签约仪式。据介绍，双方将合作升级"保险+医疗健康"融合模式，为客户 提供覆盖全生命周期的医疗健康解决方案。 责任编辑：杨喜亭 新华保险表示，面对日益增长的多元化、高品质健康管理需求，传统的保险保障与医疗服务分离的 模式已难以满足公众对健康生活的全面追求。新华保险正在全面加速推动医康养生态布局，打造"卓越 医疗""卓越健康"服务体系。未来，将以此次战略合作为新起点，持续深化"保险+医疗健康"模式，扎实 推进资源整合与服务协同，进一步拓展医疗服务网络，优化健康管理服务闭环，将"卓越医疗"的服务体 系做深做实。 ...

Core Viewpoint - The Shaanxi Financial Regulatory Bureau, in collaboration with several provincial departments, has launched a pilot program for a policy-based technology insurance mechanism, introducing the first inclusive technology insurance products in the country [1] Group 1: Product Overview - Two innovative products, "Qin Ke Puhui Bao" and "Qin Ke Yan Fa Bao," have been introduced to meet the risk protection needs of technology enterprises, focusing on basic risk and research and development activity risks respectively [1] - "Qin Ke Puhui Bao" is the first fixed-amount insurance product specifically designed for small and micro technology enterprises, characterized by comprehensive coverage, ease of application, and low costs [1] Group 2: Financial Support Mechanism - A premium subsidy mechanism has been established, with funding shared between provincial and municipal levels at a ratio of 6:4, allowing the same policyholder to receive up to 1 million yuan in premium subsidies in the first year [1] - A co-insurance body has been formed to jointly underwrite "Qin Ke Yan Fa Bao," with insurance companies covering 50% of the risk, enhancing the willingness to underwrite and addressing the challenges of reluctance to insure [1]