我们还是分保险和证券两个子行业保险行业的负债端行稳致远资产端是进而有为证券行业整体来说还是受到资本市场改革逐渐深化的一个越来越大的影响整体来看的话头部的公司会更具韧性一些接下来我们就具体两个子行业进行展开首先我们来看保险行业进行一个板块的复盘 上半年来看行情还是出现了比较大的一个波动也是因为一方面是投资端还是有一定的压力那么在负债端的新业务增长也是有一个去年基数的压力存在所以2025年以来保险行业的指数相对来说是小幅跑速 呼声三百指数但是一直到5月14日开始我们看到开始有超额收益的出现 整体来看的话截至到6月20日保险行业升了二级指数是上涨了3.46个百分点相对呼声300的超额收益是5.7个百分点那么各家公司的情况来看走势还是比较一致的除了国寿之外新华 仁宝 平安 泰宝还都是实现了一个正增长的一方面新华表现比较好也是 各位投资者大家下午好我是平安证券研究所非营金融行业的首席分析师王维益那么今天我跟大家分享一下我们这一次2025年的中期的非营金融行业的一个策略报告那么我们这一次中期策略给它这个取的题目是高质量发展引领价值重估头部公司更具韧性那么具体来看的话 受益于业绩增速的领先另外一方面也是受益于整个分红水平还 ...

Core Viewpoint - The article highlights the importance of customer-centric service in the competitive insurance industry, exemplified by Liu Li's dedication and professional growth since joining the industry in November 2016 [1][5]. Group 1: Professional Integrity - Liu Li values integrity as a fundamental quality in her career, consistently adhering to ethical principles despite potential conflicts of interest [5]. - An example of her commitment to integrity is illustrated when she insisted on accurate health disclosures from a client, which ultimately prevented a significant financial loss for both the client and the company [5]. Group 2: Innovative Service Models - Liu Li prioritizes customer needs and continuously innovates service models to exceed client expectations, organizing events like "Insurance Knowledge Lectures" to educate clients [7]. - Her proactive approach in assisting clients during claims processes has enhanced trust and satisfaction, demonstrating the warmth and strength of insurance services [7]. Group 3: Recognition and Professional Development - Liu Li has received numerous accolades for her professional capabilities and service quality, including being named "Integrity Ambassador" for six consecutive years from 2018 to 2023 [9]. - She achieved the "IDA International Dragon Award" for three consecutive years from 2023 to 2025, and completed a certification as a retirement planner from Peking University in 2024, enhancing her expertise in retirement planning [9][10]. Group 4: Team Building and Leadership - As a business manager, Liu Li emphasizes the importance of team development, guiding her team with principles of integrity, professionalism, and service [11]. - She organizes regular training and experience-sharing sessions to improve her team's industry knowledge and sales skills, fostering a motivated and high-performing team [11]. - Liu Li aims to continue her journey in the insurance industry, focusing on customer needs and professional service to elevate her team and contribute to the industry's healthy development [11].

Core Insights - The essence of insurance is love and responsibility, emphasizing the importance of professionalism and long-term client relationships [7] Group 1: Professional Development - Gao Jie transitioned into the insurance industry in 2012, overcoming skepticism from friends and family by adopting a "zero-based mindset" and committing to professional learning [1] - She achieved company performance targets consistently within two years through daily practices of "three habits and three visits" [1] - In 2014, she shifted focus to premium channels, developing a unique "four-dimensional needs analysis method" to provide comprehensive family protection services [1] Group 2: Client Relationships - Gao Jie successfully converted a skeptical client, Ms. Ma, into a loyal customer by providing detailed policy organization and addressing her concerns about insurance [5] - Ms. Ma's initial rejection of insurance stemmed from a lack of understanding and poor service from previous agents, which Gao Jie rectified through professional service [5] - As a result of Gao Jie's efforts, Ms. Ma not only became a loyal client but also referred three relatives to her [5] Group 3: Future Aspirations - Gao Jie views the IDA award as a milestone and a new starting point for fulfilling her mission in the insurance industry [7] - She expresses gratitude towards her clients and the company for the opportunities provided, aiming to further specialize in retirement planning and pursue the IDA Silver Dragon Award [7]

Core Viewpoint - The article highlights the journey of a successful insurance salesperson, emphasizing the importance of personal effort, customer relationships, and continuous learning in the insurance industry. Group 1: Personal Journey and Motivation - The protagonist, Ni Rongrong, transitioned from being a homemaker to pursuing a career in insurance, inspired by a friend's success in the field [1] - Ni Rongrong's determination to achieve her ambitions reflects a broader theme of personal growth and ambition within the industry [1] Group 2: Customer Relationship Management - Ni Rongrong's approach to building client relationships involves personalized service, remembering important dates, and providing timely assistance during claims [5][6] - Her dedication to understanding client needs and providing tailored insurance solutions has resulted in significant client loyalty and satisfaction [6][8] Group 3: Professional Development and Impact - Continuous learning and self-improvement are emphasized as essential for providing professional insurance services, with Ni Rongrong actively seeking knowledge in finance, law, and taxation [9] - Over 14 years, Ni Rongrong has provided approximately 2.5 billion yuan in risk coverage to 2,200 clients and facilitated over 532,260 yuan in claims, showcasing her impact in the industry [9]

用真诚架起信任长河 矢志不渝的初心坚守，让郑仕花的客户服务充满温度。自2008年入职以来，首批签约客户至今仍与她保持 紧密联系。十七载服务长跑中，"客户利益永远优先"的理念，在她身上转化为实实在在的行动：面对陌生 咨询电话，她以"站在客户立场"的真诚设计保障方案，让客户从最初的试探性了解，到最终签下8份保单并 持续加保。这种以真心换真心的服务理念，让保单成为传递信任的信物，更让服务成为连接心灵的纽带， 生动诠释了"服务越久，信任越深"的服务真谛。 作为保险行业转型期的典型代表，新华保险临沂中支营业部经理郑仕花用十五年坚守，诠释了"专业致 胜，服务致远"的真谛。从企业会计转型保险新人，她以会计职业锻造的细致和严谨，半年内便从保险"小 白"跃升为营销高手，更连续149个月保持绩优记录，扎实的专业素养成为客户信赖的基石。她常说："保险 不是简单卖产品，而是守护每个家庭的财务安全网。"这种对专业的极致追求，让她的客户们开启了从了 解产品到终身信赖的合作之旅。 以勤勉浇灌事业芳华 专注细节的极致追求，是郑仕花成功的密钥。入职第一天起，她便坚持每日出勤学习，用会计人对数据的 敏感解构产品条款，同时刷新了自己对职业价值的认 ...

Core Viewpoint - Chen Hongqing has established herself as a symbol of professionalism and integrity in the insurance industry, recognized for her exceptional service and dedication to client needs [1][5]. Group 1: Client-Centric Approach - Chen Hongqing prioritizes client needs by offering tailored insurance solutions, ensuring that each plan is customized based on individual family structures, financial situations, and risk preferences [5]. - She has maintained a record of "zero effective complaints" from clients, with high renewal and referral rates, indicating strong client satisfaction and trust [5][7]. Group 2: Professional Development - Continuous learning is a cornerstone of Chen Hongqing's success, as she stays updated on insurance terms, financial regulations, and market trends to provide accurate and comprehensive information to clients [7]. - Her ability to communicate complex insurance concepts in an understandable manner enhances client understanding and confidence in their insurance choices [7]. Group 3: Recognition and Future Commitment - Chen Hongqing has received multiple accolades from her company, including "Star Supervisor" and "Integrity Service Ambassador," reflecting her outstanding performance and commitment to client service [7]. - Looking ahead, she expresses a commitment to continue serving clients with dedication, emphasizing the importance of insurance in providing security and peace of mind [8].

Core Insights - The article highlights the professional journey of Bi Liling at Xinhua Insurance, showcasing her growth from a novice to an industry elite recognized with the IDA International Dragon Award [1] Group 1: Professional Development - Bi Liling entered the insurance industry in 2010, facing initial skepticism from clients regarding the value of insurance [5] - To build her expertise, she adopted a rigorous learning approach, balancing market visits and client interactions with in-depth study of insurance terms and financial regulations [5] - Her ability to simplify complex insurance concepts and tailor protection plans for families became her strength in overcoming client biases [5] Group 2: Client Relationships - The most valuable outcome for Bi Liling is not just performance metrics but the trust and satisfaction of clients, exemplified by a case where she assisted a client in receiving a significant insurance payout after a medical emergency [7][8] - Her proactive approach in following up with clients and ensuring they understand their coverage has led to strong client loyalty and referrals [8] Group 3: Team Leadership - As her career progressed, Bi Liling took on team management responsibilities, fostering a culture of mentorship and knowledge sharing within her team [10] - She encourages team members to learn from setbacks and shares practical strategies for client engagement, promoting a collaborative environment [10] Group 4: Work-Life Balance - Bi Liling balances her professional commitments with family responsibilities, embodying the role of a dedicated daughter, supportive partner, and inspiring mother [12] - Her ability to manage multiple roles effectively has earned her recognition as a positive influence within her team and the broader company [12] Group 5: Future Aspirations - Looking ahead, Bi Liling aims to continue her mission of providing comprehensive insurance solutions, driven by her commitment to professionalism and empathy [12]

Core Viewpoint - The article highlights the journey and achievements of Gu Enni, a successful insurance agent at Xinhua Insurance, emphasizing her dedication to customer service and professional integrity in the insurance industry [1][5][8]. Group 1: Professional Journey - Gu Enni transitioned from a beauty therapist to an insurance agent in 2015, motivated by the potential of the insurance industry [1]. - Over her 10-year career, she has maintained a high performance for 90 months and is a diamond member of the company's elite club [1]. Group 2: Customer Service Approach - Gu Enni is known for her exceptional customer service, maintaining a positive demeanor even when faced with skepticism from clients [5]. - She emphasizes the importance of explaining insurance policies thoroughly, regardless of whether clients choose to purchase [5][8]. Group 3: Client-Centric Philosophy - Gu Enni believes in prioritizing clients' actual needs over company sales pushes, as demonstrated when she advised a client on health insurance instead of a promoted annuity product [9]. - Her approach led to a client being financially supported during a critical health crisis, showcasing the importance of tailored insurance solutions [9]. Group 4: Achievements and Goals - Gu Enni has set ambitious goals for herself, achieving the IDA International Copper Dragon Award in 2021, 2023, and 2024, and aims for higher honors in the future [11]. - She is determined to reach the MDRT Million Dollar Round Table and IDA International Gold Dragon Award, reflecting her commitment to excellence in the insurance field [11].

Core Insights - The article highlights the journey of a dedicated insurance professional, emphasizing the importance of perseverance and continuous learning in achieving success in the insurance industry [1][4][10] Group 1: Professional Development - The individual faced a significant career bottleneck due to a depletion of client resources but overcame this challenge through mentorship and a commitment to enhancing professional knowledge [4][10] - Continuous education, including online courses and formal degree programs, led to a substantial improvement in professional skills, resulting in numerous accolades such as being a diamond member of the company's elite group [4][10] Group 2: Client Relationship Management - The individual believes that sincere service is crucial for building trust with clients, illustrated by a case where personal support helped a client recognize the value of insurance during a family crisis [6][10] - A focus on understanding client needs and providing tailored insurance solutions is emphasized, with the individual maintaining detailed client records to create comprehensive risk profiles [9][10] Group 3: Industry Challenges and Opportunities - The insurance industry is facing increased regulatory scrutiny, heightened competition, and diverse consumer demands, leading to a reduction in the number of marketing agents [10] - The individual views this trend positively, suggesting that it will elevate the demand for skilled insurance professionals who demonstrate self-discipline and commitment [10]

Core Insights - The article highlights the achievements of Mu Kai, the regional director of Xinhua Insurance, who received the International Dragon Award (IDA) in 2025, symbolizing the culmination of 8,000 days of dedication to the insurance industry [1][4]. Group 1: Professional Growth and Commitment - Mu Kai's journey at Xinhua Insurance reflects a deep respect and commitment to the insurance profession, navigating market fluctuations, industry changes, and evolving customer needs [4]. - The IDA award represents the crystallization of Xinhua Insurance's customer-centric philosophy over time [4]. Group 2: Continuous Learning and Adaptation - Mu Kai emphasizes the importance of a relentless pursuit of knowledge, addressing team management challenges and exploring diverse insurance-related knowledge to meet varied customer demands [6]. - His approach includes late-night study sessions, participation in international summits, and the integration of cross-disciplinary thinking, which helps maintain a leading edge in professional services [6]. Group 3: Future Aspirations and Responsibilities - The IDA award serves as a call to action for Mu Kai to build a top-tier team and help more aspiring professionals achieve their career dreams [8]. - He aims to refine the service system to create a more robust and intelligent risk management framework for families, reinforcing the trust placed in Xinhua Insurance [8].