因一笔"自述"金额超千亿元的订单，一家三元正极材料龙头企业被立案。 中国证监会日前对宁波容百新能源科技股份有限公司（以下简称"容百科技"）重大合同公告涉嫌误导性 陈述立案调查。 1月18日晚，容百科技发布关于收到中国证监会立案告知书的公告，同时，容百科技回复了上海证券交 易所（以下简称"上交所"）此前对其的问询函。 值得关注的是，今年以来，多家上市公司因涉嫌误导性陈述及重大遗漏事件被证券监管部门立案。 公告披露后被监管火速问询 从目前公开信息梳理看，被监管部门火速下场问询的起因系1月13日晚容百科技宣布签订重大合同。 1月13日晚间，容百科技披露了一份日常经营重大合同公告称，公司与宁德时代（300750）签署《磷酸 铁锂正极材料采购合作协议》。协议约定，自2026年一季度开始至2031年，容百科技合计为宁德时代供 应国内区域磷酸铁锂正极材料预计305万吨，协议总销售金额超1200亿元。 这意味着，该合同销售数量及价格均存在变动风险。容百科技在回复中称，本次协议的预测需求量是基 于宁德时代对未来6年的需求预测。最终采购量及宁德时代的需求保障以双方后续签订的年度性采购或 者单笔采购合同为准。在容百科技满足宁德时代 ...

最近，北京互联网法院一审判决网名为"说书人土土"的张某公开致歉，并赔偿某知名电商平台20万元。 这起案件直接指向了当下直播电商行业普遍存在的争议性引流行为。 当前，在金融行业数字化转型加速的大背景下，一些社交与电商直播平台也成了金融服务的"流量入 口"。 对于金融机构而言，引流的合规性与安全性更应被置于首要位置。与普通商品不同，金融活动具有专业 性强，且与消费者财产权益密切相关的特点，一旦在引流过程中出现虚假宣传、夸大收益、隐瞒风险等 侵权或违规行为，不仅会侵犯消费者的知情权与选择权，更可能扰乱正常的金融市场秩序。 这就要求金融机构在借助直播、短视频等渠道引流时，必须守住两条底线：一是坚守法律底线，严格遵 守相关法律法规、政策文件。 二是坚守行业底线，秉持金融服务实体经济的初心，以专业能力为支撑，通过输出有价值的金融知识、 提供有温度的金融服务吸引流量，而非依赖噱头或触碰红线的手段博取关注。 在数字经济蓬勃发展的当下，电商直播早已成为数字消费生态的重要组成部分，而引流则是电商运营的 核心环节。通过制造热点、聚集流量，再将流量转化为商业收益，成为行业内一种成熟的经营策略。 这种营销策略本无可厚非，毕竟流量是电商 ...

当前，我国企业年金覆盖3300多万名职工，《意见》实施有望让医院、学校、公益组织等机构的数 千万从业者进入企业年金的保障体系。随着企业年金规模扩容，投资管理与合规要求将同步提高。保险 机构须更加注重稳健投资、信息披露和受托责任落实，避免单纯以规模增长为导向而忽视风险管控。 职场人退休后有望获得更多养老保障。 近日，人力资源社会保障部、财政部联合印发《关于进一步做好企业年金工作的意见》（以下简称 《意见》）。作为2018年《企业年金办法》实施以来企业年金制度的关键性改革，《意见》进一步明确 扩大企业年金制度覆盖范围，大幅简化建立程序，规定了灵活的缴费比例，并强调提升管理服务水平。 北京大学应用经济学博士后、教授朱俊生在接受《金融时报》记者采访时表示，《意见》是围绕企 业年金扩面这一关键目标作出的系统性政策推进。随着制度瓶颈逐步打破，企业年金有望从少数企业的 福利安排，逐步成长为支撑我国多支柱养老保障体系的重要力量。对专业养老保险公司而言，长期资金 规模的持续扩容，既是难得的发展机遇，也是对其综合服务水平与专业能力的全面检验。 扩面增量 补齐养老保障第二支柱短板 在他看来，企业年金是为养老金体系减压分流的重要制度 ...

Core Viewpoint - The recent collective interview by the Guangxi Zhuang Autonomous Region's Safety Committee highlights the need for insurance companies to increase the proportion of accident prevention service fees to at least 20% of total premiums, addressing the longstanding issue of prioritizing insurance coverage over prevention [1] Group 1: Current State of Safety Production Responsibility Insurance - The industry is at a critical transition point, shifting from merely providing post-incident economic compensation to offering comprehensive risk management services [1] - Current risk prevention services offered by insurance companies primarily meet regulatory requirements and often lack depth, focusing on superficial checks and generic training rather than thorough risk assessments [2] - The allocation of special prevention funds faces three main challenges: difficulty in quantifying effectiveness, the mismatch between standardized services and diverse industry needs, and the short-term nature of insurance contracts versus the long-term nature of safety improvements [2] Group 2: Proposed Reforms and Solutions - Reforming the service model of safety production responsibility insurance is essential, requiring a collaborative governance ecosystem [3] - There is a need to establish a scientific evaluation system for risk reduction service effectiveness, focusing on multiple dimensions such as service process standardization and risk identification accuracy [3] - Insurance companies should take on the role of resource hubs and service integrators, leveraging advanced technologies like big data and AI to enhance proactive risk management [3] Group 3: Changing Perspectives and Future Directions - Insured enterprises must shift their perception of insurance from a post-incident cost to a strategic partner in enhancing safety management [4] - The industry is transitioning from scale expansion to quality improvement, with the challenges in the use of prevention funds indicating a gap between industry capabilities and modern requirements [4] - Through systematic innovation, enhanced technology application, and improved regulatory incentives, safety production responsibility insurance can evolve into an effective risk management platform that contributes to social safety governance [4]

Core Viewpoint - The insurance industry in China has strengthened its role in financial services, focusing on disaster prevention, rural revitalization, and inclusive protection, thereby enhancing its function as an economic stabilizer and social stabilizer [1] Group 1: Disaster Prevention and Mitigation - In 2025, natural disasters affected 67.03 million people, resulting in 763 deaths or missing persons, with direct economic losses amounting to 241.62 billion yuan [2] - The insurance industry has established an integrated disaster prevention and mitigation system, adhering to principles of prompt and reasonable compensation [2] - China Pacific Insurance led the establishment of a catastrophe insurance community, providing risk coverage for 74.52 million households, with claims amounting to 200 million yuan [2] Group 2: Support for National Strategies - The insurance sector has provided significant risk protection for key areas, including food security, with claims exceeding 13.3 billion yuan for crops [4] - In the green transition, the insurance industry has supported carbon neutrality goals, with over 900 million green insurance claims processed [4] - Insurance services have extended to high-end and intelligent sectors, with claims exceeding 11.6 billion yuan for technology-related activities [5] Group 3: Inclusive Financial Protection - The insurance industry has expanded its coverage for vulnerable groups, with over 15.17 million elderly clients receiving claims exceeding 11.3 billion yuan [6] - New citizens, including delivery workers and ride-hailing drivers, received over 2.2 billion yuan in claims for employment protection [7] - Inclusive insurance programs have reached over 34 million people, with claims exceeding 1.14 billion yuan [7]

Core Insights - The insurance industry has significantly improved claims processing speed and service efficiency by 2025, with "fast and full compensation" becoming a standard service feature [1][2][3] Group 1: Claims Processing Efficiency - In the life insurance sector, Xinhua Insurance reports that claims for small medical insurance under 5,000 yuan are settled in an average of 0.5 days, with 17% of claims processed within one hour and 70% within eight hours [1] - Ping An Life achieved a record claim payment in just 8 seconds, while ICBC-AXA's medical insurance claims can be settled in as little as 8 minutes for major claims [1] - China Life Property Insurance processed a claim in just 2.5 minutes, demonstrating strong emergency service capabilities even in complex disaster scenarios [2] Group 2: Digital Transformation and Technology Integration - The rapid improvement in claims speed is attributed to the implementation of digital transformation strategies and advanced technologies in the insurance sector [3] - Ping An Life introduced the DeepSeek model for intelligent claims review, achieving 93% of automated claims processed within 60 seconds [3] - China Life Health's intelligent claims review increased by 33.2% year-on-year, with an intelligent input rate exceeding 69% [3] Group 3: Expanded Insurance Services - Insurance services are evolving beyond mere financial compensation to encompass comprehensive health management and proactive risk reduction [4] - China Pacific Insurance aims to bridge the digital divide by providing personalized services for the elderly and vulnerable groups, reaching 947,000 people through online claims services [4] - The integration of technology is reshaping every aspect of the claims value chain, from reporting to payment, creating a more efficient and customer-friendly insurance service environment [4]

Core Insights - The total claims amount for life insurance companies in 2025 has increased significantly, with four companies exceeding 10 billion yuan in claims [1] - The data reflects not only the payout capabilities of insurance companies but also the health risks faced by different demographics [2] Group 1: Claims Data Overview - China Life Insurance reported over 62.24 million claims totaling over 100.4 billion yuan; Ping An Life paid out 4.958 million claims amounting to 41.51 billion yuan; Taiping Life had 4.243 million claims totaling 20.1 billion yuan; and Xinhua Insurance processed 5.01 million claims totaling 14.7 billion yuan [1] - The trend indicates that commercial insurance has shifted from being a low-frequency rescue tool to a high-frequency payment method for everyday medical expenses [3] Group 2: Medical Insurance Insights - Medical insurance claims are predominantly high-frequency and low-amount, with Taiping Life's medical claims accounting for 94.4% of total claims, and 93% of Taikang Life's claims being medical [3] - The age distribution of medical claims shows that the under-17 demographic accounts for 39.4% of claims, primarily due to respiratory infections and accidental injuries [4] Group 3: Critical Illness Insurance Analysis - Critical illness insurance remains the highest payout category among life insurance companies, with Ping An Life's payouts exceeding 20.86 billion yuan, accounting for over 50% of total claims [5] - The report indicates that male policyholders should be cautious of lung cancer, thyroid cancer, and liver cancer, while female policyholders should focus on thyroid cancer, breast cancer, and lung cancer [5] - The average payout for critical illness claims is notably low, with many claims falling below 300,000 yuan, highlighting a significant gap between average payouts and actual treatment costs [6][7]

据承办法官介绍，被保险人已按习俗土葬，客观上已无法通过司法鉴定查明具体死因，这就导致保 险事故的性质（意外或疾病）难以直接界定。在此情况下，如何合理分配双方的举证责任、厘清责任边 界，成为案件裁判的关键。 后经走访调查与现场查勘核定等方式，法院认为，保险理赔应当遵循最大诚信原则，投保人与保险 人双方均负有相应的举证和配合义务。一方面，保险人收到理赔请求后，应当及时作出核定，情形复杂 的需在三十日内作出核定，且应履行现场查勘、事故原因调查等核心义务。本案中，保险公司在未开展 任何现场查勘、未调查核实事故原因的情况下，径行要求受益人进行死因鉴定，并以家属无法配合鉴定 为由拒绝承担保险责任，既不符合依法核定责任的要求，也违背了保险最大诚信原则，存在明显过错。 另一方面，法院指出，受益人在保险事故发生后同样负有举证义务。《中华人民共和国保险法》明 确规定，受益人应当向保险人提供其所能提供的与确认保险事故性质、原因等有关的证明和材料。本案 中，四名原告虽在被保险人死亡后及时报了案，但未主动固定现场照片、目击者证言等关键证据，也未 积极与保险公司沟通对接理赔事宜，最终导致死因无法查明，存在一定过错。 法院综合考虑双方的过 ...

Core Insights - The overall performance of exclusive commercial pension insurance products for 2025 is strong, with over 80% of stable accounts showing settlement rates exceeding 3%, and some products surpassing 4% [1][2] Group 1: Settlement Rate Performance - A total of 38 exclusive commercial pension insurance products have disclosed their 2025 settlement rates, with stable account rates ranging from 2% to 4.35% and progressive account rates from 2.5% to 4.55% [2][3] - Among stable accounts, 30 products have rates of 3% or higher, accounting for nearly 80% of the total, while only one progressive account product has a rate below 3% [2] Group 2: Company and Product Highlights - Three insurance companies have seven exclusive commercial pension insurance products with settlement rates reaching 4% or higher, including two products from Agricultural Bank Life Insurance with rates of 4.35% for stable accounts and 4.55% for progressive accounts, which are the highest disclosed [3] - Other notable products include those from National Pension and Xinhua Pension, with rates also exceeding 4% for stable accounts [3] Group 3: Market Context and Development - Exclusive commercial pension insurance products are designed for long-term pension security, with funds locked in until the legal retirement age or 60 years old, featuring a "guaranteed rate + floating settlement" model [4] - As of January 17, there are 165 personal pension insurance products available, with 21 being exclusive commercial pension insurance products, indicating a growing market [5] - Despite a general decline in guaranteed rates for various insurance products, many exclusive commercial pension insurance products have still achieved considerable annual settlement returns, showcasing their robust asset allocation and risk management capabilities [5][6]

董责险在A股市场正进入加速普及期。 近日，上海市建纬律师事务所、险律科技（北京）有限公司及明亚保险经纪股份有限公司联合发布 《中国上市公司董责险市场报告（2026）》（以下简称《报告》）显示，2025年共有643家A股上市公 司公告购买董责险计划，较上年同比增长19%。其中，256家为首次披露，显示出强劲的新增需求。 制造业与民企成增长主力 董责险是为上市公司董事、监事及高级管理人员在履职过程中因不当行为，如疏忽、错误陈述等被 追究个人赔偿责任时，提供法律抗辩费用及民事赔偿保障的险种。 董责险费率降至"洼地" 近年来，随着新证券法与新公司法的实施，以及康美药业、瑞幸咖啡等标志性事件，引发了市场对 高管责任的空前关注。叠加监管环境趋严，董责险的价值被重新发现，市场需求被激活。 《报告》显示，在2025年新增投保董责险的A股上市公司中，制造业公司数量依然遥遥领先，"计 算机、通信和其他电子设备制造业"最多，随后是"专用设备制造业"和"软件和信息技术服务业"。 从企业性质看，民营企业需求崛起，但国有企业渗透率领先。在2025年新增投保公司中，民营企业 占比近六成。在新公司法强化董监高个人责任的背景下，民营上市公司及 ...