7月24日，中国人民保险集团在北京召开2025年半年工作会议。中国人保集团党委书记、董事长丁 向群作《坚定信心 保持定力 高质量完成全年目标任务》讲话。 上半年，在以习近平同志为核心的党中央坚强领导下，中国人保系统上下坚持稳中求进工作总基 调，着力发挥保险功能，蹄疾步稳深化改革，推动高质量发展，功能性作用扎实发挥，"六项改革"扎实 起步，防控风险扎实有效，党的建设扎实有力，"建设一流"战略坚实起步。截至6月底，中国人保集团 共承担保险责任金额1780万亿元，管理总资产突破4万亿元，较年初增长11.3%，呈现稳中有进、向好 向优的良好发展态势。 会议指出，要把握大势，坚定建设一流的信心与定力。把握经济持续向好态势，把经济动能转化为 发展动能；把握城市工作机遇空间，把政策红利转化为发展动能；把握经济社会转型发展走向，把内涵 式发展势能转化为发展动能；把握基层一线改革期盼，把改革红利转化为发展动能，努力在不确定性中 寻找确定性，在变局中抓住机遇、赢得主动。 会议对下半年经营管理工作作出具体部署，要求以更强担当加快发展，以更高站位服务国家战略， 以更大力度推动创新发展，以更实举措推进改革举措落地见效，以更远视角完善集 ...

Core Viewpoint - The article discusses the impact of severe rainfall and flooding in Beijing and surrounding areas, highlighting the role of insurance in mitigating losses and facilitating rapid claims processing for affected individuals and businesses [1][2]. Insurance Claims and Response - As of August 1, insurance institutions in Beijing received 4,559 claims related to the heavy rainfall, with estimated losses amounting to 121 million yuan, including 2,666 vehicle insurance claims and 200 agricultural insurance claims [1][2]. - The insurance companies, particularly PICC, mobilized over 200 rescue and assessment vehicles to provide immediate assistance, prioritizing claims for vehicle, agricultural, and housing insurance [3][6]. Claims Processing Efficiency - The insurance companies implemented a "three exemptions and four quicks" service model, which includes exemptions from on-site assessments and meteorological proof, and emphasizes rapid rescue, damage assessment, repair, and compensation [6][10]. - The claims process for agricultural insurance was expedited, with a "first pay, then document supplement" mechanism in place for major disaster claims, allowing for quick compensation [10][11]. Types of Insurance and Coverage - Vehicle damage due to flooding is categorized into different scenarios, with specific handling methods based on water height and damage extent. The coverage includes both traditional fuel vehicles and electric vehicles without significant differences in claims processing [5][7]. - Agricultural insurance covers various types of crops and facilities, providing compensation for losses due to flooding and other natural disasters, with a focus on expediting claims for affected farmers [9][10]. Recommendations for Policyholders - Policyholders are advised to pay attention to insurance terms, including coverage scope, exclusions, compensation limits, and claims processes to ensure smooth claims in future disasters [11]. - The importance of timely reporting of claims within 48 hours is emphasized, along with the necessity of providing relevant documentation for claims related to lost vehicles [7][11].

过去一年，中国人保集团积极发挥保险功能作用，扎实推进高质量发展，全年经营业绩稳中有进，实现 营业收入7094亿元，同比增长6.4%；归母净利润429亿元，同比增长88.2%；ROE16.7%，同比提升7.1个 百分点。 丁向群履新中国人保集团董事长后，该公司未来一段时期的战略发展方向备受关注。对此，丁向群在发 布会上透露，在今年年初召开的集团年度工作会议上，中国人保集团明确提出建设一流战略。总的来 说，就是要扎实做好金融"五篇大文章"，始终坚守"人民保险，服务人民"的初心使命，立足保险风险保 障和资金融通的功能性质，聚力做保险业守护民生福祉的领头雁、助力社会治理的排头兵、服务实体经 济的主力军，坚定不移走中国特色金融发展之路，建设功能卓著、运营高效、主业鲜明、治理现代、具 有国际竞争力的世界一流保险金融集团。 坚定不移推动高质量发展 丁向群认为，高质量发展是中国人保建设世界一流保险金融集团的内在要求。为此，中国人保将全面贯 彻新发展理念，坚定不移推动高质量发展，重点做好以下四方面工作。 一是推动产品高质量供给。中国人保将深化保险供给侧改革，紧密围绕经济社会发展的重大战略、重点 领域和薄弱环节，全面推进产品创新 ...

伴随"双碳"目标的提出，发展新能源车险已经成为服务国家绿色转型和实体经济发展的关键一环。对于 新能源车险市场这片"蓝海"，2025年将迎来哪些变化、头部险企有何发展策略？在上市险企2024年度业 绩发布会上，新能源车险相关话题受到高度关注。 今年1月，金融监管总局等四部门联合出台《关于深化改革加强监管促进新能源车险高质量发展的指导 意见》，引导行业合理降低新能源汽车维修使用成本、建立高赔付风险分担机制和平台、优化自主定价 系数浮动范围。 《金融时报》记者注意到，多家上市险企高管在谈及对新能源车的承保策略时均表示，目前重点关注风 险定价能力，以管控经营成本，并通过深化与车企等相关机构的合作，提升新能源车险盈利水平。 人保集团副总裁、人保财险总裁于泽表示，人保财险新能源车市场份额较高，渠道掌控能力和定价能力 也很强，与维修、电池厂家等进行了深度的合作。如果政策方面能进一步扩大自主定价系数的浮动范 围，公司新能源车的盈利水平会明显提升。 据中国太平集团副总经理朱捷介绍，公司搭建了新能源车专属定价数据库，依据车辆信息、车辆使用特 征等风险因子开发了新车分类模型，基于从车因子、电池系统和动态因子建立了旧车评分模型，将不 ...

本报记者 冷翠华 一组看似矛盾的数据刚刚出炉——根据上市险企和上市银行2024年年报，去年上市险企银保收入大 多同比上涨，而上市银行代销收入却普遍同比下降，部分银行保险代销收入甚至呈现同比锐减。 业内人士认为，上述看似矛盾的数据背后，是"报行合一"政策的落地实施，以及银保业务的转型发 展。未来，银保渠道仍将是保险业非常重要的渠道，"价值银保"是险企要着力推进的重点工作之一。 具体来看，农业银行去年实现手续费及佣金净收入755.67亿元，较2023年减少45.26亿元，下降 5.7%。其中代理业务收入下降20.6%，主要是代理保险相关手续费收入减少；建设银行2024年年报显 示，手续费及佣金收入中，代理业务手续费收入144.12亿元，较2023年减少44.82亿元，降幅23.72%， 主要受保险、基金等降费政策影响；此外，招商银行去年实现代理保险保费1172.25亿元，同比增长 21.07%，不过，其代理保险收入64.25亿元，同比下降52.71%；平安银行2024年代理及委托手续费收入 54.34亿元，同比下降29.4%，主要是代理个人保险收入下降。 普华永道管理咨询（上海）有限公司中国金融行业管理咨询合伙人 ...

Core Viewpoint - The recent notification from the Financial Regulatory Bureau aims to adjust the regulatory ratio of insurance funds' equity assets, which is expected to increase investment in the equity market and alleviate asset scarcity in a low-interest-rate environment [1][2][3]. Group 1: Policy Adjustments - The notification raises the upper limit for equity asset allocation by 5 percentage points, simplifying the tiered standards, which will expand the investment space for insurance funds [2][3]. - It increases the concentration ratio for investments in venture capital funds, encouraging insurance funds to invest more in strategic emerging industries [2][6]. - The regulatory requirements for tax-deferred pension funds have been relaxed, allowing for better management and support for the development of the third pillar of pension insurance [2][3]. Group 2: Market Impact - The adjustment is projected to theoretically bring in up to 1.6 trillion yuan in incremental funds, enhancing the potential for insurance capital to invest in equities [2][3]. - Insurance companies have expressed confidence in the Chinese capital market and plan to steadily increase their equity investment scale, particularly in technology and innovation sectors [4][5][7]. Group 3: Investment Strategies - Insurance companies are focusing on strategic emerging industries, advanced manufacturing, and new infrastructure, aiming to enhance their investment in these areas [7][8]. - Companies like China Life and China Pacific Insurance have already begun increasing their holdings in equity assets, indicating a proactive approach to capitalizing on market opportunities [5][7]. Group 4: Economic Outlook - The notification reflects a broader confidence in the Chinese economy, with expectations of supportive macroeconomic policies and improved corporate profitability, which will bolster the equity market [4][5].

4月8日，金融监管总局发布《关于调整保险资金权益类资产监管比例有关事项的通知》（以下简称《通 知》），优化保险资金比例监管政策，加大对资本市场和实体经济的支持力度。 保险资金由于期限长、规模大、稳定性较强等特点，是资本市场上最具耐心的资本之一。截至2024年 末，我国保险资金运用余额达33.3万亿元。 《通知》发布后，多家大型险企表示坚决看好、坚决支持，以实际行动体现耐心资本的应有担当。 上调权益资产配置比例上限 优化保险资金权益类资产监管比例，《通知》从三方面进行了调整。 一是上调权益资产配置比例上限。简化档位标准，将部分档位偿付能力充足率对应的权益类资产比例上 调5%，进一步拓宽权益投资空间，为实体经济提供更多股权性资本。二是提高投资创业投资基金的集 中度比例。引导保险资金加大对国家战略性新兴产业股权投资力度，精准高效服务新质生产力。三是放 宽税延养老比例监管要求。明确税延养老保险普通账户不再单独计算投资比例，助力第三支柱养老保险 高质量发展。 "《通知》释放出'宽''稳''新'的信号。"华东师范大学中国普惠养老金融研究中心主任、公共管理学院副 院长路锦非在接受《金融时报》记者采访时表示，"宽"体现在提高 ...

Group 1 - The core viewpoint of the articles emphasizes the insurance industry's role in supporting technological innovation through specialized services and products, as outlined in the "Implementation Plan" by financial regulatory authorities [1][4] - The insurance sector is developing a comprehensive product system tailored to the lifecycle of technology enterprises, with significant growth in technology insurance coverage, such as China Re's technology insurance risk coverage amounting to 31.2 trillion yuan, a 21.6% increase year-on-year [2][3] - Insurance companies are increasingly focusing on health management for technology talent, offering customized health management insurance products to mitigate risks associated with their work environments [3] Group 2 - The "Implementation Plan" highlights the need for financial services to support national key technology projects, with new insurance products being developed to address the unique risks associated with these projects [4] - Companies like China Pacific Insurance are introducing innovative insurance products, such as "pilot project cost loss insurance," to fill gaps in risk coverage during the technology research and development process [4][5] - The low-altitude economy is identified as a strategic emerging industry, with insurance institutions actively exploring insurance solutions, including a nationwide first for government-insured low-altitude economic liability insurance, providing over 20 billion yuan in total risk coverage [5] Group 3 - The insurance industry is positioned as a source of patient capital, with large-scale, long-term, and stable funding, which is essential for supporting technological innovation [6] - The implementation of long-term investment reforms is encouraged, with insurance companies being allowed to establish private equity funds and increase their investment in venture capital [7] - Insurance institutions are focusing on strategic investments in technology, digitalization, and artificial intelligence, with a notable increase in their participation in private equity markets, contributing 722.68 billion yuan in 2024 [7]

Group 1 - Severe hailstorm and strong winds occurred in multiple districts of Beijing, causing significant damage to vehicles [1] - Hailstones were reported to be larger than 4 cm in diameter, with some the size of eggs [1] - Insurance companies confirmed that vehicles with comprehensive insurance can claim compensation for damages caused by hail [1] Group 2 - After reporting the damage, vehicle owners should take comprehensive photos and collect meteorological evidence to support their claims [2] - Insurance companies have mobilized resources, with over 300 claims adjusters deployed and 1,200 repair shops prepared for assistance [2] - As of May 14, over 4,000 claims related to hail damage had been reported, with several claims already compensated [2] Group 3 - Pacific Insurance reported receiving 42 claims due to natural disaster-related vehicle damage, with a significant number from the Shijingshan District [3]

Core Viewpoint - The Ministry of Finance's recent notification aims to guide insurance funds towards long-term stable investments and enhance the long-cycle assessment of state-owned commercial insurance companies, addressing the issue of short-term investment tendencies in the industry [1][2]. Group 1: Changes in Assessment Mechanism - The assessment method for "return on net assets" has been adjusted from a combination of "3-year cycle indicator + annual indicator" to "annual indicator + 3-year cycle indicator + 5-year cycle indicator," with respective weights of 30%, 50%, and 20% [2][3]. - The adjustment is expected to alleviate the pressure on investment managers from short-term performance fluctuations, encouraging a focus on stable long-term returns [3][4]. Group 2: Impact on Investment Behavior - The notification is seen as a key measure to promote investment behavior that transcends cyclical fluctuations, emphasizing the importance of long-term capital and enhancing asset allocation capabilities [4][8]. - Insurance companies are encouraged to increase their equity market investments, particularly in light of new accounting standards that have increased the volatility of investment returns [3][8]. Group 3: Addressing Investment Barriers - The insurance sector faces three main barriers to market entry: the mismatch between long-cycle investments and short-cycle assessments, solvency pressures limiting equity investment enthusiasm, and the volatility of profits and net assets due to stock investments [6][7]. - Recent policy initiatives aim to alleviate these barriers, including a comprehensive implementation of long-cycle assessments for state-owned insurance companies and adjustments to risk factors for stock investments [6][7]. Group 4: Strategic Investment Directions - The notification emphasizes the need for state-owned insurance companies to enhance asset-liability management and align investment strategies with long-term stability and risk control [8][9]. - Companies are expected to focus on high-quality investment opportunities, including infrastructure REITs, green bonds, and sectors like artificial intelligence and biomedicine, to support the real economy [8][9].