香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內 容而產生或因倚賴該等內容而引致的任何損失承擔任何責任 。 （於中華人民共和國註冊成立之股份有限公司） （股份代號：1339 ） 海外監管公告 第13.10B條的披露義務而作出。 本公告乃中國人民保險集團股份有限公司根據《香港聯合交易所有限公司證券上市規則》 中国人民保险集团股份有限公司 茲載列該公告如下，僅供參閱。 承董事會命 中國人民保險集團股份有限公司 丁向群 董事长 中國北京，二零二五年七月三十一日 於本公告日，公司執行董事為丁向群女士、趙鵬先生及肖建友先生，非執行董事為 王少群先生、喻強先生及宋洪軍先生，獨立非執行董事為邵善波先生、徐麗娜女士 、王鵬程先生及高平陽先生。 证券代码：601319 证券简称：中国人保 公告编号：2025-025 2024年年度权益分派实施公告 重要内容提示： 每股分配比例 A 股每股现金红利0.117元（含税） 相关日期 | 股份类别 | 股权登记日 | 最后交易日 | 除权（息）日 | 现金红利发放日 | | --- ...

中国人保：A股每股现金红利0.117元（含税） 金十数据7月31日讯，中国人保公告，本次利润分配以方案实施前的公司总股本44,223,990,583股为基 数，每股派发现金红利0.117元（含税），共计派发现金红利5,174,206,898.21元。其中，A股普通股股份 数为35,497,756,583股，本次派发A股现金红利共计约人民币41.53亿元。股权登记日为8月7日，除权 （息）日为8月8日，现金红利发放日为8月8日。 ...

从资金流向上来看，当日保险板块主力资金净流出6.42亿元，游资资金净流入2.05亿元，散户资金净流 入4.37亿元。保险板块个股资金流向见下表： 证券之星消息，7月31日保险板块较上一交易日下跌3.35%，中国人保领跌。当日上证指数报收于 3573.21，下跌1.18%。深证成指报收于11009.77，下跌1.73%。保险板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | | 000627 | *ST天茂 | 1.53 | 4.79% | 173.95万 | | 2.59 Z | | 601336 | 新华保险 | 66.77 | -2.17% | 23.82万 | | 15.96亿 | | 601628 | 中国人寿 | 40.92 | -3.12% | 18.19万 | | 7.50亿 | | 601318 | 中国平安 | 58.69 | -3.33% | 82.76万 | | 49.11亿 | | 601601 | 中国太保 | 37.46 | -3.58% ...

南方财经全媒体记者 孙诗卉 业内认为，相比监事会，审计委员会制度使监督者更加接近决策中心，具有明显的信息优势。同时，借 助于外部董事制度，提高了监督者的独立性，可以有效制衡公司内部人的决策管理，实现监督。因此， 审计委员会并不是独立的外部监督，而是内嵌在公司经营管理决策中的监督，相较于监事会而言，具有 更加便利的监督条件和制度优势。 "董监高"责任敞口催生保险新需求 随着新公司法的落地，传统"三会一层"架构正被更精简高效的治理模式取代。 7月30日，中国太保发布第十届董事会第十五次会议决议公告，宣布审议并通过了不再设立监事会相关 事项的议案。而在之前，已有四家保险公司宣布不再设立监事会。7月2日，大家保险集团发布公告，不 再设立监事会，监事会各监事已辞任；6月23日，泰康保险发布公告，公司不再设立监事会，第三届监 事会各监事自动离任；更早之前，中国人保、日本财险也已经相继宣布撤销监事会。 监事会逐步退出历史舞台 2024年7月1日，新修订的公司法正式实施。新公司法指出，国有独资公司在董事会中设置由董事组成的 审计委员会行使本法规定的监事会职权的，不设监事会或者监事；有限责任公司和股份有限公司可以按 照公司章程 ...

7月末，华北大地遭遇了一场罕见的暴雨围城。在北京市密云、怀柔、延庆等地，降雨量突破历史极值 ——密云郎房峪和朱家峪累计降水量高达543.4毫米，怀柔东峪单小时降雨量接近100毫米。 洪水漫过街道，冲毁农田，30条生命在这场灾害中逝去，136个村庄陷入黑暗，1825个通信基站停止服 务。当自然之力肆虐时，一群身着工装的身影正逆流而行，他们是保险理赔员，在齐膝深的积水中点亮 金融救援的星火。 7月26日晚，北京市延庆区、怀柔区、密云区分别升级发布暴雨红色预警。北京市水文总站发布洪水黄 色预警，随后在27日凌晨升级发布洪水红色预警。密云区溪翁庄镇的农户袁先生看着被暴雨冲塌的70平 米大棚满脸愁容，但28日破晓时分，中国太保的查勘车已碾过泥泞抵达现场。理赔员李豪踩着垮塌的墙 体完成测量，e农险APP实时生成1.8万元赔款数据。"下午钱就到账！"李豪的承诺让袁先生紧锁的眉头 终于舒展。此时距报案仅过去4小时，这场与时间的赛跑才刚刚开始。 在暴雨最凶猛的72小时内，保险业启动了一场规模空前的总动员。在金融监管总局统一调度下，北京金 融监管局连夜启动应急机制。人保、平安、国寿等十多家险企的专项工作组星夜集结。暴雨未歇，15 ...

Group 1 - The core viewpoint of the article is that 130 Chinese companies made it to the 2025 Fortune Global 500 list, with 7 insurance companies included, and most of them improved their rankings compared to the previous year [1][2][3] Group 2 - The 7 Chinese insurance companies on the list are China Life Insurance Group (ranked 45), Ping An Insurance Group (ranked 47), People's Insurance Group of China (ranked 141), China Pacific Insurance (ranked 251), Taikang Insurance Group (ranked 334), AIA Group (ranked 417), and New China Life Insurance (ranked 498) [2][3] - China Life's revenue for 2024 is approximately $160.28 billion, while Ping An's is about $158.63 billion, People's Insurance's is around $86.48 billion, China Pacific's is about $56.16 billion, Taikang's is approximately $45.46 billion, AIA's is around $37.61 billion, and New China's is about $32.29 billion [2][3] Group 3 - China Life improved its ranking from 59 to 45, Ping An from 53 to 47, People's Insurance rose 17 places to 141, and China Pacific saw the largest increase of 80 places to 251 [3] - Taikang Insurance has been on the list for eight consecutive years, moving up 47 places to 334, AIA improved by 29 places to 417, and New China returned to the list at 498 after being absent the previous year [3] Group 4 - The total revenue of the companies on the Fortune Global 500 list is approximately $41.7 trillion, which is more than one-third of the global GDP, showing a growth of about 1.8% from the previous year [3] - The threshold for inclusion in the list increased from $32.1 billion to $32.2 billion, and the total net profit of the listed companies grew by approximately 0.4% to around $2.98 trillion [3]

本报记者 冷翠华 当前，我国正值"七下八上"防汛关键期。面对近期严峻的防汛形势，保险业积极行动，通过统筹协调、优化服务等多种方 式，健全防灾体系，全力筑牢灾害防护网。 7月27日凌晨，北京市延庆区、怀柔区、密云区相继升级发布最高级别的暴雨红色预警，北京市水文总站升级发布洪水红 色预警。此次强降雨来势猛、强度大，引发局部洪水与山体滑坡等次生灾害，导致北京多个村庄严重受灾，道路、通讯中断， 部分房屋及农田、大棚、畜禽养殖设施受损，防汛救灾形势紧迫。 同时，中国人寿财险北京分公司第一时间成立防汛工作组，统一调度资源，24小时跟进救援与理赔，并通过公众号、朋友 圈、短信等多种渠道，重点向高风险区域居民推送预警信息和避险指南（包括避免前往山区河道、转移车辆、加固设施等）， 助力民众提前防范。此外，针对已受灾区域存在交通通讯中断影响报案情况，该公司推出九项服务举措，实行理赔全员到岗， 实时轮巡，全力保障人民生命安全，最大限度减少灾害损失，缓解客户燃眉之急。 在本次华北暴雨洪涝灾害理赔工作中，人保财险秉持"四个坚持"的原则，坚持全国系统"一盘棋"，合力应对。目前，公司 已储备60名全国跨省支援理赔骨干，其中车险30人、非车 ...

Core Viewpoint - The 2024 life insurance industry has seen a decline in employee compensation and a historical low in the salary-to-premium ratio, indicating potential challenges in operational efficiency and profitability [2][14]. Group 1: Salary and Premium Ratio Analysis - In 2024, the total employee compensation in the life insurance industry was 108.5 billion yuan, a decrease of 4.6% year-on-year, with a salary-to-premium ratio of 3.4%, down 0.5 percentage points, marking a 15-year low [2][14]. - The "TOP7+1" companies (including major players like China Life and Ping An) had a salary-to-premium ratio of 3.3%, which is significantly lower than that of small and medium-sized insurance companies, which stood at 3.7% [17][18]. - The average salary-to-premium ratio for 70 life insurance companies over the past five years was 4.0%, with a median of 4.9%, and 11 companies exceeding 10% [5][28]. Group 2: Impact on Return on Equity (ROE) - The salary-to-premium ratio has a significant negative impact on a company's ROE, with each 1 percentage point increase in the ratio leading to a 0.37 percentage point decrease in ROE [24][25]. - The empirical model constructed to analyze this relationship included variables such as company size and channel type, confirming the negative correlation between salary-to-premium ratio and ROE [24][25]. Group 3: Historical Trends - The salary-to-premium ratio has shown a declining trend since 2018, with a notable acceleration in the decline for small and medium-sized insurance companies since 2019 [16][18]. - The ratio increased from 4.2% in 2010 to a peak of 5.3% in 2015, followed by a steady decline to the current levels [16][18]. Group 4: Employee Compensation Insights - The life insurance industry employed approximately 345,000 individuals in 2023, with an average compensation and benefits level of 330,000 yuan [10][22]. - The fluctuation in employee numbers has shown a slight decline, while average compensation has seen minor increases over recent years [10][22].

受新冠肺炎疫情影响，经济下行压力加大，社会信用风险水平提高，业务逾期率上升，信用保证险赔付 率上升较快。根据中国人保半年报数据，上半年，人保信用保证险赔付率同比上升252.3%。 对此，上述负责人表示，截至6月30日，融资类信保业务风险敞口明显下降，其中线上消金业务资产规 模大幅下降，存量资产加速出清，结合业务模式和平台的支持，分类化解线上消金业务风险，全面停止 高风险的线上消金项目。对于与头部互联网平台和持牌金融机构合作的、风险相对可控的线上消金项 目，在确保有效益的前提下，对业务模式进行改造。 "下半年，公司将继续开展业务清理整顿工作，预计全年保费将继续呈现负增长趋势。受特定项目仍在 风险暴露过程中及存量业务风险出清的影响，下半年整体经营仍然难以扭转亏损的态势。"8月24日，人 保集团相关负责人在集团半年报新闻发布会上指出。 他还表示，公司按照监管要求，和合作银行、引流平台进行风险共担，对个别给公司带来重大亏损的线 上消金项目，在去年底就已经全面停止合作，业务上不再出新单，但背后的催讨工作双方还在合作，对 带来重大亏损的线上消金项目将在2022年8月31日前实现风险全部出清。 近日，中国人保(601319 ...

Core Insights - The implementation of the "Guiding Opinions on Deepening Reform and Strengthening Regulation to Promote High-Quality Development of New Energy Vehicle Insurance" has led to significant changes in the new energy vehicle insurance market over the past six months [2][3] - The industry is moving towards standardization in claims and repair processes, which is expected to enhance profitability in the new energy vehicle insurance sector [2][4] Group 1: Market Changes - The "Car Insurance Easy to Insure" platform has been launched to address the issue of high-risk models being difficult to insure, successfully registering 676,200 users and providing insurance for 506,600 new energy vehicles, amounting to a total insurance coverage of 494.812 billion yuan [4] - Despite improvements in insurability, challenges remain regarding high premiums and repair costs, with some consumers reporting that premiums for certain models are disproportionately high compared to vehicle value [4][5] Group 2: Industry Collaboration - Major insurance companies are shifting from a cautious approach to actively engaging in the new energy vehicle insurance market, indicating a reassessment of profitability prospects [7][10] - Collaborative efforts between insurance companies and automotive manufacturers are being emphasized, with examples such as Ping An's insurance service station at Tesla delivery centers and People’s Insurance Company of China’s partnerships with BYD dealers to streamline claims processes [7][8] Group 3: Standardization and Innovation - The establishment of unified standards for battery insurance and repair processes is crucial for reducing disputes and enhancing efficiency in the new energy vehicle insurance market [13][14] - The introduction of dynamic pricing models based on battery performance metrics is being advocated to improve risk assessment and pricing accuracy [8][11] Group 4: Future Prospects - The increasing penetration of new energy vehicles in the market is expected to create significant growth opportunities for insurance companies, with a focus on enhancing service quality and customer experience [10][11] - The potential for new energy vehicle insurance services to expand internationally is being explored, with partnerships being formed to establish insurance frameworks in Southeast Asia [17][18]