从业务场景方面，可支持 微信、企业微信、工作群、APP、网页 等多种场景融合；用户可通过 语音、文字、图片 等交互方式与智能询价服务进行交互。对于保险保障获取方面，可支持参考续 保客户原保单保障、自定义保险保障、保险保障对比等展示效果供用户选择。 智能询价服务通过AI的赋能，致力于将原有人去操作多个系统，转化为人提出需求，由AI来完成 数据的获取以及各系统的交互操作，最终反馈给用户所需要的结果。 律商风险并非替代保险公司核心系统，而是通过数据+AI的方式赋能原有保险展业场景，实现真 正意义上的"数据即开即用" ，让数据无缝嵌入到保险的实际业务场景中。律商风险所有 AI 解决 方案均可采用私有化部署的方式落地，坚守数据安全的底线，避免信息泄露风险发生，满足客户 最高安全合规要求。 2025年6月6日，在清华五道口《清华金融评论》举办的第二届"保险家论道"研讨会暨2025中国保 险竞争力研究报告发布会上，律商联讯风险信息（简称"律商风险"）凭借 智能询价 解决方案， 从行业竞争中脱颖而出，荣获 "保险业年度数字化转型典型案例" 。这一奖项充分肯定了律商风 险的数据分析及创新能力。律商风险致力于推动车险行业的数字化 ...

# 读者福利 ， 欢迎留言互动， 6 月 20 日前，平台随机从留言中选取 3 位读者获赠本期推 荐新书！ 01 《钱商：投资、决策与财富增长的9大思维》 [美]伊利亚·斯特雷布拉耶夫 [美]亚历克斯·邓 著 中信出版集团 出版 内容简介 一个人要想赚到钱，关键在于形成对投资和财富的正确认知，持续提升自己的钱 商。 作为世界上最成功的财富创造群体之一，风险投资人在资本市场上经历了无数次 探索与试错，逐步形成了一套高回报的思维模式。作为这个群体的一员，本书作 者通过多年的教学与研究将这些投资智慧系统化，帮助上千名学生在财富管理上 取得了实质性进展。基于这一成果，作者总结出风投式思维的九大核心原则，并 将之呈现在本书中。 本书清晰地展现了如何在复杂多变的市场环境中识别机会、规避风险并坚定追求 高回报。书中的九条风投式思维囊括了投资组合发现机会、风险管理、慧眼识人 和长期价值等方方面面每一条原则不仅着眼于财富增值，更帮助读者在面对不确 定性时具备冷静思考的智慧。 无论是刚入门的投资新手，还是期望提升财商的职业人士，这本书都将帮你掌握 金钱运转的核心法则，实现个人跃迁。 作者简介 伊利亚·斯特雷布拉耶夫 斯坦福大学商 ...

孙思毅表示，随着中国社会迈入长寿时代，养老问题日益成为民生焦点。公众对养老的期 待正从基本的"老有所养、老有所依"向"老有所乐"升级，凸显出家庭养老金融需求的多样 化与前瞻性。这一趋势不仅要求家庭及早筹划，更需要政府、市场和社会三方共同推动养 老金融体系的供给侧改革与服务升级。在此背景下，《2025中国家庭养老金融健康指数调 研报告》应运而生。亦标志着大都会人寿进入中国20年来，在服务中国家庭、深耕养老金 融领域所积淀的使命与担当。未来，大都会人寿将继续加强与学界、业界和政策部门的协 同合作，探索更具创新性、普惠性和韧性的养老金融解决方案，助力构建更健全的社会养 老保障体系。 6月6日，由清华大学五道口金融学院《清华金融评论》携手中美联泰大都会人寿保险有限 公司（以下简称"大都会人寿"）联合主办。本次发布会汇聚养老金融领域专家学者及三百 余企业代表，共同探讨中国养老金融发展现状与未来。活动现场，中美联泰大都会人寿保 险有限公司总经理兼首席执行官孙思毅作为报告发起方代表之一，在开场致辞中表明了大 都会人寿在康养生态领域的深度布局和肩负的社会责任。 图为孙思毅 分享 以下为嘉宾演讲全文 尊敬的各位领导、各位来宾， ...

2025年6月6日，第二届"保险家论道"研讨会暨中国保险竞争力排行榜发布会在北京成功举 办。本次研讨会由清华大学五道口金融学院《清华金融评论》编辑部主办，会议主题 为："保险服务中国式现代化"。会议上，多位来自国内保险领域的顶尖学者和资深从业 者，围绕保险行业如何做好五篇大文章，推动经济高质量发展等话题进行交流探讨。现场 座无虚席，受到社会各界人士的广泛关注。 招商信诺人寿高端医疗部总经理匡莉围绕"商 业健康险的破局与未来"主题展开深度对话。 匡莉表示，当前商业健康险面临政策推动和市场需求的双重变化，产品创新需从传统住院保 障向涵盖门诊、院外购药的全链条延伸，紧贴医疗实际场景。支付方式的变革，特别是医保 与商保的结算融合，为行业发展带来新动力。服务方面，线上线下结合的医疗服务体系日益 完善，满足客户从常见病到疑难重症的多层次需求。随着企业国际化进程加快，跨境医疗和 合规服务能力成为新的挑战。未来商业健康险应聚焦产品优化、服务升级与生态协同，推动 行业持续健康发展，更好满足多样化和复杂化的市场需求。 图为 匡莉 分享 三、逐步构建多元协同生态，服务企业全球化 随着中国企业"走出去"的步伐加快，商业健康险面临更复 ...

Core Viewpoint - The article discusses the challenges and opportunities in achieving healthy family retirement finance in the context of an aging population and the changing family structure in China [2][4]. Group 1: Family Structure and Retirement Responsibility - The concept of "family" is dynamic, evolving from traditional extended families to modern nuclear families, single-parent families, and individuals living alone, complicating the role of families in retirement [4]. - Traditionally, families have three main functions in retirement: economic support, daily care, and emotional companionship, but the clarity of these responsibilities is diminishing [4]. - The essence of retirement issues is adapting to the increasing proportion of elderly individuals in society, necessitating a shift in how retirement is approached [4]. Group 2: Multi-Tiered Financial Security System - Elderly needs can be categorized into three levels: economic needs (stable income), service needs (medical, care, and daily services), and social needs (social interaction and emotional support) [5]. - China's pension system is multi-pillar, including basic pension insurance, urban and rural resident pension insurance, enterprise annuities, and personal pensions, which are crucial for wealth accumulation [5][6]. - In addition to pensions, financial products like commercial insurance, bank wealth management, and real estate are vital for retirement funding [5]. Group 3: Financial Tools and Wealth Accumulation - Personal income sources can be classified into four categories: labor income, asset income, transfer income, and gifts, with the importance of asset and transfer income increasing as individuals age [6]. - Financial tools play multiple roles in wealth accumulation, risk transfer, and intergenerational resource allocation, making them essential for retirement planning [6]. - A healthy family retirement finance system should focus on having adequate retirement wealth and ensuring quality of life in old age, requiring early planning and active participation in pension systems [6].

2024年末，我国金融业机构总资产495.59万亿元，其中银行业444.57万亿，证券业15.11万亿，保险业35.91万 亿，可以看出银行业占据总体金融业的89.7%，"银行独大"是中国金融业的常态。 从货币情况来看，2024年末我国的广义货币M2为313.53万亿元,其中定期存款高达246.4万亿元。相对美国而 言，如图所示，2007-2024年间中国GDP增速远超美国，但股市表现截然相反，标普500涨幅显著，而上证综 指长期低迷。美国资本市场以养老金等机构投资者为主导，规模庞大且半数资金配置股市，形成稳定基石； 而中国以散户为主，市场大幅波动。 从2024年M2/GDP数据可以进一步印证中美两国的差距：中国高达2.27，主要是因为定期储蓄（M2的主体） 高企，而美国仅0.71；但如果加上归属个人的私人养老金，美国则与中国持平。这表明中国是储蓄养老为 主，而美国以投资养老为主。在很多领域，中国都在快速追赶甚至超越美国的今天，图中两国宏观经济（以 GDP为代表）和资本市场（以上证指数和标普500指数为代表）的巨大差距表明：中国养老金融发展亟需壮 大养老金这样的机构投资者作为长期资本，通过长钱长投来推动我国资 ...

Core Viewpoint - The new regulation on internet lending by commercial banks, effective from October 1, aims to enhance financial service quality and address the chaotic state of the lending business, particularly focusing on the cooperation between financial institutions and lending platforms [2][6]. Group 1: Background and Context - The rapid growth of internet lending has led to various issues, including unclear responsibilities, opaque pricing mechanisms, and outsourced risk control, which have increased financing costs for borrowers to between 24% and 36% [4][6]. - Previous regulations were insufficient in managing the lending business, prompting the introduction of the new regulation to fill the regulatory gap and clarify the cooperation boundaries between financial institutions and third-party platforms [6][3]. Group 2: Key Features of the New Regulation - The new regulation emphasizes the responsibilities of financial institutions, risk control, interest rate caps, and consumer protection, mandating a more structured approach to managing lending partnerships [6][8]. - Financial institutions are required to disclose their lending platform partnerships, which is expected to enhance transparency and improve service quality [8][9]. Group 3: Industry Impact and Reactions - Many financial institutions have already begun to disclose their "white lists" of lending partners, primarily consisting of leading platforms, indicating a trend towards consolidating partnerships with established entities [9][10]. - The tightening of regulations is expected to lead to a significant industry shake-up, with smaller lending platforms facing challenges in securing funding and potentially being excluded from partnerships with financial institutions [10][9].

据新华社消息，当地时间6月9日至10日， 中美经贸中方牵头人、国 务院副总理何立峰与美方牵头人、美国财政部长贝森特及商务部长 卢特尼克、贸易代表格里尔在英国伦敦举行中美经贸磋商机制首次 会议。 据新华社消息，当地时间6月9日至10日，中美经贸中方牵头人、国务院副总理何立峰与美方牵头 人、美国财政部长贝森特及商务部长卢特尼克、贸易代表格里尔在英国伦敦举行中美经贸磋商机 制首次会议。双方进行了坦诚、深入的对话，就各自关心的经贸议题深入交换意见，就落实两国 元首6月5日通话重要共识和巩固日内瓦经贸会谈成果的措施框架达成原则一致，就解决双方彼此 经贸关切取得新进展。 何立峰表示，本次会议是在两国元首今年6月5日战略共识指引下开展的一次重要磋商。中方对中 美经贸问题的态度和立场是明确的、一贯的。中美经贸关系的本质是互利共赢，中美在经贸领域 合则两利、斗则俱伤。贸易战没有赢家，中方不愿打，但也不怕打。双方应通过平等对话、互利 合作解决经贸分歧，中方对经贸磋商是有诚意的，也是有原则的。下一步，双方要按照两国元首 通话达成的重要共识和要求，进一步发挥好中美经贸磋商机制作用，不断增进共识、减少误解、 加强合作。中方重申，双方应 ...

Core Viewpoint - The article emphasizes the urgent need to address the challenges posed by an aging population, highlighting the importance of developing a robust pension finance system to support elderly care and financial planning for future retirees [1][2]. Group 1: Current Challenges Faced by the 70s and 80s Generations - The 70s and 80s generations are under significant pressure to support both aging parents and children, leading to increased economic burdens [3]. - There is a widespread issue of inadequate pension preparation among this demographic, with a reliance on traditional savings and a lack of awareness regarding pension insurance and financial products [4]. - Psychological and social support deficiencies are also critical, as traditional family structures weaken, necessitating a multi-layered pension security system [4]. Group 2: Improving Acceptance and Participation in Pension Financial Products - To enhance acceptance of pension financial products among the 70s and 80s generations, financial institutions should focus on increasing financial literacy through targeted educational initiatives [5]. - Product design must be optimized to meet the diverse needs of this demographic, ensuring offerings are both stable and yield returns [6]. - Lowering participation barriers and enhancing convenience through simplified purchasing processes and digital tools is essential [7]. - Policy support, such as tax incentives and subsidies, should be strengthened to encourage participation in pension financial products [8]. Group 3: Demand for Pension Financial Products - Families primarily seek pension financial products for capital preservation and growth, reflecting a growing need for stable investment options [9]. - There is an increasing demand for diversified pension services that extend beyond mere financial management to include healthcare and long-term care solutions [10]. - Personalized and long-term planning is crucial, as different families have varying income levels and risk preferences [11]. Group 4: Misconceptions About Pension Financial Products - Many families over-rely on public pensions, underestimating the limitations of basic pension insurance and neglecting supplementary commercial products [12]. - There is a perception that pension financial products are overly complex, which deters participation [13]. - A focus on short-term gains leads some families to overlook the long-term stability and benefits of pension financial products [14]. Group 5: Balancing Innovation and Risk Regulation in Pension Financial Products - Balancing innovation with risk regulation is vital to protect family investors' interests, ensuring that product designs are transparent and focused on stability [17]. - Regulatory frameworks must be strengthened to ensure compliance and safeguard against potential risks associated with innovative pension products [18]. - Investor education is necessary to enhance risk awareness and prevent uninformed investment decisions [18]. - Establishing mechanisms to mitigate risks, such as smoothing funds and improved valuation rules, is essential for protecting pension investments [18]. Group 6: Global Pension Models - Major global pension models include government-led public pension systems, which face fiscal pressures due to aging populations [21]. - Individual savings models, like the U.S. 401(k) plan, offer flexibility but require strong financial planning skills [22]. - The reverse mortgage model allows seniors to convert home equity into cash flow, improving their quality of life, though it carries risks related to property valuation and market fluctuations [23][24].

2025年6月6日，第二届"保险家论道"研讨会暨中国保险竞争力排行榜发布会在北京成功举办。本次研讨会由清华大学五道口金融学院《清 华金融评论》编辑部主办，会议主题为："保险服务中国式现代化"。会议上，多位来自国内保险领域的顶尖学者和资深从业者，围绕保险 行业如何做好五篇大文章，推动经济高质量发展等话题进行交流探讨。现场座无虚席，受到社会各界人士的广泛关注。 华泰人寿首席市 场官李明明围绕"商业健康险的破局与未来"主题展开深度对话。 李明明认为，商业健康险的发展应紧密围绕客户健康保障责任，医疗险创新需聚焦中端医疗，重疾险注重细分核心病种，避免"大而全"设计， 以更合理的价格满足大众保障需求。服务方面，要强化健康管理理念的传播，推动病前预防，实现产品与服务的有机结合，增强客户理解和认 可。核保环节需与医疗技术进步同步，推动风险识别和承保能力的提升，简化核保流程，精准匹配风险。整体来看，商业健康险的未来发展依 赖于产品创新、服务升级与生态协同的紧密融合，通过多方协作共同破解行业难题，推动保险保障持续优化和健康生态升级。 图为 李明明 分享 以下为嘉宾演讲全文 产品创新 贴近需求与精准细分 针对当前医疗体制改革带来的 ...