融合发展正逐渐成为农村产业振兴的关键词。这既包括一二三产业的互相促进，又包括农文旅康养等产 业的衔接。产业集群发展也成为地方政府推动乡村振兴的重要支点，并据此在乡村规划建设、培育新型 农业经营主体以及发展农业社会化服务组织中进行了多方面着力。 农业新业态发展对金融提出了新的要求。首先是资金需求量级不断提高，乡村振兴示范片区建设、文旅 项目开发需要大量的资金支持；其次是承贷主体发生了变化，家庭农场、农民合作社等经营主体正成为 银行重要的授信对象；再次是田园综合体等新业态，需要金融机构量身定制服务方案。 新产业（300832）新业态既给涉农金融机构提供了广阔的市场空间，又对金融机构的产品服务创新提出 了挑战。普惠金融服务乡村振兴改革试验区的意义正在于此，而临沂市金融机构也不负众望，创新推出 了供应链金融、"碳排放权"质押、"保险+期货"等产品。农村产权交易平台、"融沂通"等乡村振兴综合 服务平台的建设，也为金融创新提供了基础条件。 深耕不辍，终有收获。随着试验区的不断探索，在乡村全面振兴的图景中，将会有更多的金融改革创新 成果不断展现。 来到山东临沂采访，感受最深的是农业新业态的蓬勃发展，农文旅融合、红色旅游、田 ...

Core Viewpoint - The construction of the salt cavern energy storage base in Feicheng, Shandong Province, exemplifies the financial support for green and low-carbon transformation, with significant investments and policy initiatives driving the development of the new energy sector [1][2][3][4] Financial Support Mechanisms - The People's Bank of China (PBOC) in Tai'an has implemented a comprehensive policy framework to support green low-carbon transformation, focusing on enhancing policy systems, organizational structures, and innovative financial products [1][2] - By the end of Q2 2025, the credit scale for the new energy storage industry in Feicheng reached nearly 20 billion yuan, with green loan growth outpacing the average growth of all loans [1][2] Organizational Framework - A cooperation memorandum was signed between the PBOC Tai'an branch and the Feicheng government to facilitate the sharing of financial policies and data, establishing a collaborative financial service management mechanism [3] - The PBOC has initiated the creation of green financial specialty branches in Feicheng to enhance the focus and capability of financial institutions in providing green financial services [3] Financial Resource Supply - The PBOC has guided financial institutions to innovate specialized products such as "green project loans" and "carbon reduction-linked loans" to support the capital-intensive new energy storage industry [4] - The successful connection of the 300MW advanced compressed air energy storage demonstration power station in Feicheng was supported by a 750 million yuan green project loan from the PBOC, significantly lower than conventional loan rates [4] - Feicheng has established 22 new energy storage projects with a total investment of 34 billion yuan, with financial institutions approving nearly 20 billion yuan in credit to support these initiatives [4]

近年来，中国人民银行辽阳市分行积极践行绿色发展理念，引导辖内金融机构持续加大绿色金融服务力 度，助推金融资源集聚绿色低碳领域，实现绿色金融与绿色产业深度融合，绿色贷款呈现"量速双升"， 信贷结构持续"向绿"优化。截至2025年一季度末，辽阳市绿色贷款余额61.4亿元，较年初增长4.4%，近 两年年均增长23.3%。绿色贷款余额占各项贷款的比重不断增长，由2022年一季度末的2.5%增长到2025 年一季度末的7.6%。 强化宣传推广，拓宽融资渠道。加强绿色理念和绿色金融政策宣传，营造绿色金融发展良好氛围。向当 地政府部门发送《人民银行支持实体经济、低碳转型相关政策工具介绍》，发挥"几家抬"工作机制，形 成推动绿色金融发展工作合力。在辽宁省较早整理形成《辽阳市金融"五篇大文章"信贷产品汇编手册》 《辽阳市金融机构绿色信贷产品简介》，以银企对接会和首贷续贷中心为载体，提升企业对绿色信贷产 品知悉度，积极宣传绿色金融理念。指导农业银行辽阳分行"线上+线下"常态化开展绿色宣传，线上依 托官方网站、微信公众号等渠道，广泛宣传绿色金融政策法规和产品服务，累计触达客户超2万人次； 线下在38家营业网点设立"绿色金融服务驿站 ...

Core Viewpoint - The implementation of the new Company Law in China has led insurance companies to abolish their supervisory boards, transitioning towards a more streamlined and efficient governance model [1][3]. Group 1: Changes in Governance Structure - China People's Property Insurance Company announced it will no longer have a supervisory board following the revision of its articles of association [1]. - China Pacific Insurance Group and other insurance institutions have also decided to abolish their supervisory boards, with their supervisory functions being transferred to the audit committee of the board [2][3]. - The new Company Law allows companies to set up an audit committee within the board to exercise the powers previously held by the supervisory board, eliminating the need for a supervisory board [3]. Group 2: Implications of Abolishing Supervisory Boards - The audit committee, typically composed of independent directors, is expected to enhance financial oversight and compliance compared to traditional supervisory boards [4]. - The concentration of supervisory functions within the audit committee may reduce internal coordination complexities and improve decision-making efficiency [4]. - However, potential challenges include information asymmetry and insufficient time for independent directors to fulfill their supervisory roles effectively [4]. Group 3: Future Considerations - The transition away from supervisory boards raises questions about maintaining effective oversight and balancing decision-making efficiency with power checks [4]. - As more insurance companies adjust their governance structures in line with the new Company Law, the industry will gain insights into creating a more scientific and efficient governance system [4].

为推进以按病种付费为主的多元复合式医保支付方式改革，近日，国家医保局印发《医疗保障按病种付 费管理暂行办法》（以下简称《办法》）。根据《办法》，我国将为医保按病种付费建立病种分组方案 动态调整机制，原则上每两年调整一次。 我国传统的医保支付方式是按项目付费，药品、耗材、服务项目用多少结算多少，这种结算方式容易滋 生"大处方""大检查"等过度医疗行为。 为了规范医疗行为，自2019年起，国家医保局以按病种付费为抓手，开展支付方式改革试点。所谓按病 种付费，即通过历史数据测算，根据患者的病情分组，对同组患者确定相似的费用标准，由医保部 门"打包"支付给医疗机构。 经过六年时间，目前，病种付费实现了从试点到扩面，从地方探索到国家统一，基本实现病种付费覆盖 全部统筹地区，付费管理机制不断完善，在提升医保基金使用效率，促进医疗服务行为规范，减轻群众 就医负担等方面发挥了积极作用。 规范总额预算管理方面，要求合理编制支出预算，在此基础上确定按病种付费总额，强调总额预算的刚 性。 规范分组方案制定和调整方面，明确分组方案的制定主体、分组框架、数据和意见支撑、调整内容等， 原则上要求分组方案两年调整一次。 规范核心要素和配套 ...

Core Viewpoint - The approval for Starr Property & Casualty Insurance Co. to transition from a joint venture to a wholly foreign-owned enterprise signifies a significant step in China's financial sector's deepening openness to foreign investment, reflecting the growing confidence of foreign institutions in China's long-term economic resilience [1][3]. Group 1: Company Developments - Starr Property & Casualty Insurance Co. has received approval to acquire an additional 11.2 million shares (0.78% equity) from Shanghai Jin Jiang International Investment Co., increasing its total shareholding to 1,146 million shares, representing 80% ownership [2]. - The change in ownership structure enhances the control of foreign shareholders over Starr Property & Casualty, potentially leading to more efficient strategic decision-making and resource allocation [2]. - The company, originally established in 1995 as Dazhong Insurance, has evolved significantly since the introduction of Starr Group as a strategic investor in 2011, with foreign ownership increasing to 77.58% by 2014 [2]. Group 2: Industry Trends - The trend of foreign insurance companies increasing their presence in China is evident, with nearly half of the world's top 40 insurance companies having entered the Chinese market by mid-2025 [4]. - Notable examples include AXA's acquisition of the remaining 50% of AXA Tianping, Allianz's full control of Allianz China Life, and HSBC's complete ownership of HSBC Life Insurance, all reflecting a broader shift towards foreign ownership in the insurance sector [4]. - According to Ernst & Young's report, foreign insurance companies' market share in China has grown from 4% in 2013 to 9% currently, indicating a significant increase in foreign participation in the domestic insurance market [5]. Group 3: Market Implications - The influx of foreign insurance firms is expected to enhance market competition, introduce advanced concepts and technologies, and promote diversified development within the industry [3][6]. - The establishment of foreign insurance asset management companies in Shanghai is seen as a crucial indicator of the accelerated pace of the insurance market's openness, reflecting foreign institutions' strong confidence in China's economic prospects [5][6]. - The "catalyst effect" of foreign firms, such as AXA Tianping's innovative "pay-per-day" car insurance model, is driving domestic insurers to accelerate their digital transformation, ultimately benefiting consumers through improved service quality [6].

近年来，部分不法分子在网络平台以"代理退保"或在事故出现后"代办理赔"为名，诱导保险投保人委托 其办理申请退保、代理理赔等业务，从中截取保险投保人的资金，谋取不当得利。 据了解，当前"代理退保"手段可谓"精心设计""花样频出"。比如，"代理退保"机构通常精准瞄准老年群 体，利用其对保险条款、现金价值计算规则不熟悉的弱点，夸大退保损失，以"高额退费"为噱头制造虚 假承诺，诱使老人上当。再者，逐步降低心理防线，通过降低手续费比例、多人分工配合等手段，获取 信任。 "消费者要谨慎做出退保决定，特别是老年人。"中国人寿寿险公司有关负责人表示，一方面，非专业人 士的建议不能盲从，亲戚等非保险人士的主观判断未必符合个人风险需求，盲从可能错失关键保障。另 一方面，部分自媒体为博流量、赚眼球，刻意炒作"保险是骗局""可以全额退保"等虚假信息，用片面案 例否定所有保险价值。这些内容往往断章取义，根本不考虑不同人群的实际风险需求，盲目相信只会坑 了自己。 上述负责人提醒，消费者应警惕陌生渠道信息，切勿轻信短视频平台、社交软件中"全额退保""高额退 费"等广告，此类信息往往存在欺诈风险。若对保单有疑问，务必通过保险公司官方客服、营 ...

"除此之外，上市险企停发月度保费数据或许还出于避免扰动股市的考量。"李文中表示，股市对于各类 信息的敏感度极高，月度保费数据的波动可能会引发投资者的过度解读，进而对股价产生不必要的影 响。 2020年12月，财政部修订印发《企业会计准则第25号——保险合同》，也就是业内常说的"新会计准 则"或"IFRS17"。自2023年1月1日起，新会计准则陆续落地执行。 记者了解到，按照新会计准则，原来的保费数据已无法完全反映人身险公司保费收入情况，因为保险服 务收入计量方式与以往大不相同，它更多地聚焦于保险公司实际承担风险保障所赚取的对价。而原来的 保费数据包含了投资成分，也就是通俗所说的储蓄成分，这是保费中确定要通过保险给付(包括满期 金、生存金、身故金或者退保金等)返还给客户的部分。由于数据已经不具备可比性，因而上市险企未 再披露这一数据。 "值得关注的是，月度保费收入波动较大，并不能准确反映保险公司的经营情况，参考意义不大。"李文 中分析道，保险公司的业务受到多种因素的影响，如季节、市场推广活动、新产品推出等，这些因素都 会导致月度保费收入出现较大起伏。例如，在某个季度末，保险公司为了完成业绩目标，可能会加大市 ...

Core Points - The China Insurance Industry Association and the China Agricultural Risk Management Research Association have jointly released a series of standards for the application of remote sensing technology in agricultural insurance, specifically for rice, wheat, corn, and cotton [1][2] - The standards aim to enhance the accuracy of underwriting and claims assessment in agricultural insurance, reduce labor costs, and address discrepancies in data interpretation among remote sensing companies [1][2] Group 1 - The series of standards provides a scientific and applicable framework for the operational aspects of remote sensing technology in agricultural insurance, including data acquisition, processing, underwriting verification, and damage assessment [2] - The development of these standards took four years, involving feasibility studies, technical research, field meetings, and public consultations to ensure transparency and effectiveness [2] - The implementation of these standards is expected to facilitate the large-scale application of remote sensing technology in agricultural insurance, improve compliance, combat fraud, and enhance farmers' satisfaction and risk management capabilities [2] Group 2 - The standards will guide the industry in conducting agricultural insurance remote sensing work under a unified framework, reducing disputes in underwriting and claims [2] - The initiative aligns with national policies aimed at enhancing agricultural productivity and ensuring food security, contributing positively to the high-quality development of agricultural insurance [2]

Group 1: Huanhong Company Acquisition - Huanhong Company is planning to acquire the controlling stake of Shanghai Huali Microelectronics to resolve internal competition issues and improve operational efficiency [2][3] - The acquisition will be conducted through a combination of issuing shares and cash payments, and it is classified as a related party transaction without changing the actual controller [2][3] - The acquisition targets Huali Micro's operations at the Huanhong Five Factory, which has overlapping competition in 65/55nm and 40nm process nodes [3] Group 2: China Shenhua's Acquisition - China Shenhua is set to acquire 100% stakes in 13 companies from the State Energy Group to address overlapping business issues and enhance company quality [4][5] - The acquisition involves issuing A-shares and cash payments, and it follows a previously established agreement to avoid competition with the controlling shareholder [4][5] - The recent regulatory changes, including the "Six Opinions" from the China Securities Regulatory Commission, are facilitating accelerated asset integration among state-owned enterprises [5]