每经记者|涂颖浩 潘婷 每经编辑|董兴生 近年来，随着人工智能的飞速进步，找到相应的智能化载体似乎成了全世界最紧迫的任务。而人形机器 人似乎仅凭其小露一手的"能跑善舞"等技能，就已占据了C位。 随着具身智能迅猛发展，人形机器人已从实验室演示迈向商业化应用，产业发展迈向新阶段。中国信通 院发布的《人形机器人产业发展研究报告2024》指出，人形机器人作为人工智能与机械工程的集大成 者，在生产制造、社会服务、特种作业等领域有广阔的应用前景。预计到2035年，我国整机市场规模有 望达到千亿元人民币。 然而，技术越先进，应用场景越复杂，也意味着潜在风险越多元化，与之相应的保险需求也就越紧迫。 在政策引导与市场需求双重催化之下，保险业正在迅速切入这一新兴赛道。 《每日经济新闻》记者注意到，今年9月份以来，平安财险、太保财险、人保财险等头部机构密集推出 具身智能专属保险产品，覆盖机器人本体损失、第三者责任、网络安全、数据泄露等多个维度。与此同 时，行业内外对风险管理机制、伦理边界、数据共享等深层次问题的探讨也日益深入。 在这片千亿元级蓝海中，保险不仅是风险兜底工具，更被赋予了推动产业生态健康发展的战略使命。 探索破局：从" ...

Group 1 - Figure AI's former product safety chief Robert Grendel has filed a lawsuit claiming that the company's humanoid robots could cause skull fractures and alleges he was fired for raising safety concerns [1] - Grendel warned CEO Brett Adcock and chief engineer Kyle Edelberg about the robots' deadly performance, highlighting an incident where a robot caused a quarter-inch crack on a steel refrigerator door [1] - After submitting documented safety complaints, Grendel was terminated in September, claiming he was asked to prepare a safety roadmap for potential investors, which was later abandoned [1] Group 2 - The emergence of humanoid robots in crowded public events raises significant safety risks due to the lack of comprehensive international or industry standards, leading to compatibility and safety issues [3] - An incident at the 2025 World Humanoid Robot Games involved a robot colliding with an engineer, emphasizing the risks associated with humanoid robots [3] - The insurance industry faces challenges in providing risk coverage for robot companies, including complex risk assessments due to rapid technological advancements and the dynamic nature of risk characteristics [3][4] Group 3 - The lack of long-term risk data in the emerging field of robot insurance complicates accurate risk assessment and premium pricing, as traditional actuarial models are not directly applicable [6] - Insurers are developing innovative financial products to mitigate risks in the robot industry, with major companies like Ping An and China Pacific Insurance launching specialized insurance products for humanoid robots [6][7] - The insurance products available include property insurance, machinery damage insurance, third-party liability insurance, and cybersecurity insurance, aimed at covering various risks associated with robot operations [7] Group 4 - The first breakthrough in robot insurance occurred in early 2022 with the launch of the "Mobile Robot Quality Liability Insurance" by PICC, addressing various product quality issues [8] - In 2023, a pilot project in Changzhou provided insurance for local robot companies, demonstrating regional support for the robot insurance market [8] - By 2025, the insurance industry is transitioning from policy formulation to implementation, with various events and initiatives promoting insurance coverage for robots [10] Group 5 - Local governments are responding to the need for robot insurance, with policies in cities like Ningbo and Hainan promoting the development of humanoid robot application insurance [10][11] - Insurance products are being tailored to cover risks from design defects, operational failures, and cyberattacks, with a focus on third-party liability [11][12] - New insurance offerings include specialized products for exoskeleton robots and smart agricultural robots, indicating a growing market for tailored insurance solutions [12][14] Group 6 - The insurance industry views robot insurance as a means to provide comprehensive risk coverage across the entire lifecycle of humanoid robots, addressing various operational scenarios [15][16] - Insurers are adapting their pricing and claims processes based on accumulated data from existing industrial robots, but face challenges due to the rapid evolution of humanoid robots and the lack of historical data [16]

Core Insights - The insurance sector experienced a rise of 2.17% on November 25, with China Pacific Insurance leading the gains [1] - The Shanghai Composite Index closed at 3870.02, up 0.87%, while the Shenzhen Component Index closed at 12777.31, up 1.53% [1] Insurance Sector Performance - China Life Insurance closed at 43.98, up 1.99%, with a trading volume of 115,800 shares and a transaction value of 509 million [1] - China Pacific Insurance closed at 34.95, up 1.90%, with a trading volume of 261,500 shares and a transaction value of 913 million [1] - Ping An Insurance closed at 59.47, up 1.83%, with a trading volume of 487,800 shares and a transaction value of 2.8887 billion [1] - New China Life Insurance closed at 65.88, up 1.76%, with a trading volume of 116,400 shares and a transaction value of 767.1 million [1] Fund Flow Analysis - The insurance sector saw a net inflow of 148 million from institutional investors, while retail investors experienced a net inflow of 40.68 million [1] - Major stocks like Ping An Insurance had a net inflow of 114 million from institutional investors but a net outflow of 54.29 million from retail investors [2] - China Life Insurance had a net inflow of 39.99 million from institutional investors, with retail investors showing a net outflow of 18.06 million [2]

一、同意中国人民财产保险股份有限公司西宁市城西支公司贵南路营销服务部将营业场所变更为：青海 省西宁市东川工业园区科技孵化器大厦8层。 2025年11月19日，青海金融监管局发布批复称，《关于中国人民财产保险股份有限公司西宁市城西支公 司贵南路营销服务部变更营业场所的请示》（宁人保财险发〔2025〕80号）收悉。经审核，现批复如 下： 二、中国人民财产保险股份有限公司西宁市城西支公司应按照有关规定及时办理变更及许可证换领事 宜。 ...

一、同意撤销中国人民财产保险股份有限公司新平支公司营销服务部、中国人民财产保险股份有限公司 澄江支公司九村镇营销服务部、中国人民财产保险股份有限公司澄江支公司龙街镇营销服务部。 2025年11月20日，玉溪金融监管分局发布批复称，《中国人民财产保险股份有限公司玉溪市分公司关于 撤销新平营销服务部、九村镇营销服务部、龙街镇营销服务部的请示》（玉人保财险发〔2025〕85号） 收悉。经审核，现批复如下： 二、接此批复文件后，上述被撤销机构应立即停止一切经营活动，于15个工作日内向玉溪金融监管分局 缴回许可证，并按照有关法律法规要求办理相关手续。 ...

根据《2024年度国家老龄事业发展公报》统计，截至2 0 2 4年末，全国6 0周岁及以上老 年人口310 3 1万人，占总人口的22.0%，全国人均预期寿命达7 9 . 0岁。 一 老龄化加剧，健康需求升级 近 日 ， 在 2025 金 融 街 论 坛 上 ， 金 融 监 管 总 局 局 长 李 云 泽 也 提 到 " 丰 富 养 老 健 康 保 险 产 品"。在老龄化加速与健康需求升级的双重驱动下，养老健康保险正从过去的"可选补 充"，加速转向"民生刚需"。具有"低保费高杠杆"特性，能够补充基本医保缺口、提供 更全面保障的商业百万医疗险，成为人们填补风险空白的关键选择。 商业百万医疗险从可选转向刚需 二 商业百万医疗险 保证续保从模糊到清晰 根据《银发经济蓝皮书：中国银发经济发展报告（2 0 2 4）》预测，到2030年，我国6 5 岁及以上老年人口将超过20%，到2060年，老年人口占比将攀升至37.4%。随着老年人 口数量的持续增加，医疗资源需求和医疗支出也随之大幅上升。 从 当 前 市场 的 百万 医 疗 险 来 看，主 要分为 了 一 年期 的 短 期 险 产 品 和 多 年 期 的 长 期 险 ...

一、同意中国人民人寿保险股份有限公司南平市中心支公司建阳营销服务部将营业场所变更为：福建省 南平市建阳区景贤路259号高佳西城国际10幢10501-10503、10505、10506。 二、中国人民人寿保险股份有限公司福建省分公司应按照有关规定及时办理变更及许可证换领事宜。 2025年11月14日，国家金融监督管理总局南平监管分局发布批复称，《中国人民人寿保险股份有限公司 福建省分公司关于中国人民人寿保险股份有限公司南平市中心支公司建阳营销服务部变更营业场所的请 示》（人保寿险闽〔2025〕103号）收悉。经审核，现批复如下： ...

| 代码 | 名称 | 主力净流入（元） | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601318 中国平安 | | = 170.25万 | 0.05% | -8620.72万 | -2.74% | 8450.47万 | 2.69% | | 601628 中国人寿 | | -1301.28万 | -2.37% | 2832.46万 | 5.17% | -1531.18万 | -2.79% | | 601319 中国人保 | | -3669.59万 | -5.14% | 1798.55万 | 2.52% | 1871.03万 | 2.62% | | 601601 中国太保 | | -4434.85万 | -4.63% | 6462.75万 | 6.74% | -2027.91万 | -2.12% | | 601336 新华保险 | | -6998.32万 | -6.58% | 7.75万 | 0.01% | 6990.57万 | 6.57% | 以上内容 ...

"以前总觉得补充工伤保险离自己很远，今天听了讲解才知道，我们快递行业也能参保，遇到意外还有 这么多保障！"刚咨询完的快递小哥拿着宣传册说道。活动中，工作人员还为有需求的从业者提供一对 一答疑服务，针对灵活就业人员参保、工伤待遇核算等热点问题耐心回应，现场氛围热烈而有序。不少 员工表示，这样的宣传活动送到"家门口"，既不耽误工作，又能学到实用知识，让人心里格外踏实。 补充工伤保险是劳动者的"安全网""定心丸"，更是企业稳健发展的"护航舰"。此次补充工伤宣传进商场 活动，旨在让商场从业者及过往市民都能了解补充工伤权益、掌握维权方法，让商户都能重视补充工伤 保障、规范用工管理。未来，人保财险南昌市分公司将持续开展多场景、多形式的补充工伤保险政策宣 传活动，把安心与保障送到更多劳动者身边，让补充工伤保险保障惠及全民，共同营造"人人懂工伤、 人人享保障"的良好社会氛围。（陶基恩） 转自：新华财经 为让补充工伤保障政策走进千家万户，近日，中国人民财产保险股份有限公司南昌市分公司（以下简 称"人保财险南昌市分公司"）联合南昌市人力资源和社会保障局、南昌市社会保险事业服务中心，在南 昌江旅·都市方舟启动工伤保险"新补充"、职 ...

Core Viewpoint - The Tianhong CSI Hong Kong Stock Connect Central State-Owned Enterprises Dividend ETF (159281) experienced a slight decline of 0.10% in its closing price on November 24, with a trading volume of 42.6078 million yuan [1]. Group 1: Fund Overview - The Tianhong CSI Hong Kong Stock Connect Central State-Owned Enterprises Dividend ETF was established on August 20, 2025, with an annual management fee of 0.50% and a custody fee of 0.10% [1]. - As of November 21, the fund had a total of 267 million shares and a total size of 272 million yuan [1]. - The fund's performance benchmark is the adjusted return of the CSI Hong Kong Stock Connect Central State-Owned Enterprises Dividend Index [1]. Group 2: Liquidity and Performance - Over the last 20 trading days, the ETF recorded a cumulative trading amount of 1.006 billion yuan, with an average daily trading amount of 50.3229 million yuan [1]. - The current fund manager, He Yuxuan, has managed the fund since its inception, achieving a return of 1.74% during the management period [1]. Group 3: Top Holdings - The ETF's top holdings include: - COSCO Shipping Holdings (0.85% holding, 218,000 shares, market value of 2.9175 million yuan) - Orient Overseas International (0.40% holding, 10,500 shares, market value of 1.3717 million yuan) - China Foreign Transport (0.33% holding, 270,000 shares, market value of 1.1396 million yuan) - China National Petroleum (0.32% holding, 162,000 shares, market value of 1.0973 million yuan) - CITIC Bank (0.32% holding, 175,000 shares, market value of 1.1136 million yuan) - CNOOC (0.29% holding, 58,000 shares, market value of 1.0041 million yuan) - China Shenhua Energy (0.29% holding, 30,500 shares, market value of 982,600 yuan) - China Pacific Insurance (0.29% holding, 164,000 shares, market value of 1.0107 million yuan) - China Unicom (0.28% holding, 104,000 shares, market value of 952,800 yuan) - Agricultural Bank of China (0.27% holding, 189,000 shares, market value of 933,900 yuan) [2].