以下文章来源于LP波谱 ，作者杨博宇 LP波谱 . 本账号专注LP市场报道。"波浪、谱系"是识别市场的维度，也是定义市场的坐标；此外，波谱（Pop Art）也意为放低意义与史诗 的执念，认同商业的日常之美。 保险资金在支持科创投资上还会持续加码。 作者丨 杨博宇 来源丨 LP波谱 两大千亿级巨头联手了。 将投中网设为"星标⭐"，第一时间收获最新推送 近日，中国人保集团旗下的人保资本联手中意资产，设立了 130 亿规模的新基金。管理人是同为人保系的资管公司中诚资 本。这只新基金，是继去年 7 月，中国人保牵头设立 100 亿现代化产业基金后的又一次出手，显示人保系在一级市场的积极 布局。 而在一个月前，国家金融监督管理总局发布《关于调整保险资金权益类资产监管比例有关事项的通知》，其中提到：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。这意味着从中长期来看，包括人保系在内的保险资 金在支持科创投资上还会持续加码。 管理规模超 1500 亿的险资大佬 本次设立的基金名为"北京保实诚源股权投资合伙企业（有限合伙）"，工商信息显示，它由人保资本出资 100 亿发起设立； 中意资产出资 30 ...

哪些冰雹灾害损失在保险的保障范围呢？平安产险北京分公司 理赔负责人钟勇全表示，车辆损失，家庭、企业财产损失以及 农业损失均可理赔。 作者： 姜鑫 封图：图虫创意 2025年5月13日晚，北京多地区出现强对流天气并伴随冰雹。气象北京发布微博称，冰雹尺寸较 大，可能造成雹灾。不少网友晒出鸡蛋大小的冰雹。 车辆损失中，挡风玻璃、车窗破损、车身凹陷（雹坑）、车灯损坏、天窗漏水等直接冰雹损伤可以 申请保险赔付。未投保车损险的车辆、事故后未及时报案导致扩大的损失、发动机进水（非直接冰 雹造成）等损失不予赔付。 家庭、企业财产险中，房屋玻璃破损、屋顶砸穿、太阳能热水器损坏、露天设备损伤等损失，在保 财产综合险或自然灾害附加险时可以申请理赔；未关门窗导致室内进水或未投保自然灾害附加险的 普通财产险不予理赔。 农业险中，投保农业险的大棚损毁、农作物（果树、蔬菜等）因冰雹减产可以申请理赔；未及时采 取防灾措施（如未覆盖防雹网）导致的扩大损失不予理赔。 钟勇全表示，在出险后，消费者应第一时间拍照取证并报案，车险通常要求48小时内报案，财产 险建议24小时内报案（超时可能影响定损）。在拍照取证过程中，车险拍摄受损部位全景+细节照 片 ...

Core Viewpoint - The increasing frequency and severity of natural disasters due to climate change necessitate the expansion and enhancement of catastrophe insurance as a critical tool for risk management and disaster mitigation [1][3]. Group 1: Importance of Catastrophe Insurance - Catastrophe insurance has played a significant role in disaster risk management, providing over 20 trillion yuan in risk coverage for residents in 2024 [1]. - The insurance community has provided 22.36 trillion yuan in catastrophe risk protection to 64.39 million households in 2024, highlighting its extensive reach [3][4]. - The rapid response and compensation processes, as demonstrated by the swift payout of 340 yuan to a disaster-affected resident, illustrate the effectiveness of catastrophe insurance in safeguarding lives and property [2]. Group 2: Coverage and Depth of Catastrophe Insurance - Despite the progress, the coverage and depth of catastrophe insurance need further expansion, as the current penetration rate is low, with only about 10% of disaster losses covered by insurance compared to a global average of 40% [4][5]. - The voluntary nature of residential catastrophe insurance limits its uptake, with varying coverage rates across different regions [4][5]. - Local pilot programs have shown success in adapting catastrophe insurance to specific regional needs, but broader implementation is still required [4][6]. Group 3: Technological and Policy Developments - The insurance industry is encouraged to invest in technology to improve risk assessment and data sharing, which are currently hindered by fragmented data across various departments [5][7]. - Recent policy initiatives, such as the "National Ten Articles" and the "Overall Emergency Plan for Sudden Incidents," emphasize the importance of catastrophe insurance and aim to enhance its development [6][7]. - The establishment of a unified catastrophe data sharing platform and the development of high-precision catastrophe risk models are recommended to improve the effectiveness of catastrophe insurance [7].

南方财经全媒体记者 林汉垚 实习生 王盼盼 北京报道 2025年第一季度，A股五大上市险企延续稳健增长态势。中国人寿、中国人保、中国平安、中国太保、 新华保险合计实现归母净利润841.76亿元，同比微增1.4%。 然而，在整体趋稳的基调下，各险企表现分化显著，中国人保以43.36%的净利润增速领跑，中国人寿 和新华保险分别增长39.5%和19%，而中国平安、中国太保则因投资端承压，净利润同比下滑26.4%和 18.1%。 值得关注的是，寿险新业务价值（NBV）集体高增成为行业亮点，投资端表现则凸显不同险企间的分 化，利率波动与权益市场震荡下，险企综合收益率差异显著。但分析机构认为，短期波动不改长期趋 势，随着资产配置优化与非经常性损益出清，险企业绩修复可期。 归母净利润 "三升两降" 具体来看，2025年一季度，五大上市险企归母净利润增速呈"三升两降"格局。其中，中国人保实现归母 净利润128.49亿元，同比增长43.4%，其增速在五大上市险企中排名第一。其次是中国人寿，一季度中 国人寿实现归母净利润288.02亿元，同比增长39.5%；新华保险实现归母净利润58.82亿元，同比增长 19%。 中国平安与中国 ...

Core Viewpoint - The article emphasizes the importance of disaster prevention and reduction in China's governance system, highlighting the role of China People's Insurance Group (PICC) in developing a comprehensive risk management system that integrates insurance, risk reduction services, and technology [1][10]. Group 1: Risk Management and Technological Innovation - PICC has established a full-cycle risk management system covering pre-disaster prevention, in-disaster response, and post-disaster compensation, transitioning from reactive compensation to proactive loss reduction [2][10]. - The company developed the "Disaster Safety Platform," integrating 9 categories and 99 million risk data points to support risk reduction services, and conducted nearly 100,000 risk inspections for high-risk enterprises in 2024 [2][3]. - During the 2024 flood season, the platform provided early warnings for high-risk areas, assisting in the transfer of 42,100 vehicles and the recovery of 560,000 acres of crops [2][3]. Group 2: Comprehensive Catastrophe Insurance System - PICC is actively involved in the national catastrophe insurance system, collaborating with over 40 institutions to expand coverage from earthquakes to various natural disasters, providing a total catastrophe risk coverage of 22.36 trillion yuan for 64.39 million households [5][6]. - The company has implemented localized catastrophe insurance projects in 20 provinces, with 94% of cities being exclusively or primarily insured by PICC, tailoring insurance solutions to regional risk characteristics [5][6]. - In 2024, PICC launched comprehensive catastrophe insurance pilot projects in Hebei and Hubei, offering multi-layered protection for personal, housing, and indoor property [5][6]. Group 3: Efficient Service and Community Support - In response to major disasters, PICC initiated emergency responses 38 times in 2024, addressing 255 significant disaster incidents and disbursing over 20 billion yuan in claims [8][9]. - The company utilized smart tools and IoT devices to enhance disaster response efficiency, deploying 24,500 devices in flood-prone areas to trigger automatic alerts and facilitate rapid rescue operations [3][9]. - PICC's innovative approach to claims processing, including the use of drones and satellite technology, enabled rapid compensation, with over 600 million yuan paid for rice crop insurance within 24 hours of a disaster [9][10].

近年来，随着全球气候变暖、极端天气频发，地震、洪涝、台风等自然灾害对人类社会和经济发展的威 胁日益加剧，我国在灾害风险管理领域面临严峻挑战。巨灾保险作为一种市场化、社会化的风险分散机 制，在提升灾后重建效率、保障民生稳定等方面具有不可替代的作用。 记者在四川调研走访了解到，四川地形地势复杂多样，地震等自然灾害风险较高。特别是在阿坝州，更 是面临着灾多、灾频、灾重的突出问题。一旦发生自然灾害，当地道路交通、旅游发展、产业发展等都 会受到严重影响。 为此，长期以来，四川高度重视巨灾保险发展，将提升巨灾保险覆盖面、兜牢民生保障作为重要民生工 程予以打造。 2024年，四川巨灾保险迎来全面升级。11月份，国家金融监管总局四川监管局与四川省财政厅联合印发 《四川省城乡居民住宅巨灾保险工作方案》。该方案的实施，不仅可以有效提升城乡居民的灾害保障水 平，还能减轻政府财政负担，为全国巨灾保险的推广提供宝贵经验。同年12月份，四川首单城乡居民住 宅多灾因巨灾保险由中国人保在乐山市签发。据白晓松介绍，截至今年一季度末，人保财险四川省分公 司已率先在四川全省13个市州64个区县启动签单，承保71.08万户，提供风险保障328亿元。 ...

平安资管罗水权辞任、田耕获聘中国人保副总裁 4月30日，平安资产管理有限公司发布公告称，总经理罗水权因个人工作调整辞去总经理职务，将由董 事长兼CEO黄勇兼任临时负责人，代行总经理职权。 对此，平安资管表示，公司对罗水权的个人职业规划表示尊重，同时感谢他为公司发展作出的贡献。 罗水权自2017年加入平安资管历任公司副总经理、常务副总经理，2019年11月起正式出任该公司总经 理，至今近6年时间，他在任期间主导了平安资管的科技转型、绿色金融布局及新兴产业投资战略，推 动公司规模从3万亿增至5.8万亿。 而此次出任临时负责人的黄勇，是平安集团的资管老将，其于1996年加入平安集团，于2005年5月至 2016年11月先后出任平安资管总经理助理、副总经理、总经理，之后转战平安信托，任副总经理。2017 年又调任平安集团资产管控中心副主任，以及平安养老总经理等职务。2022年起担任平安资管董事长， 并于2025年4月30日起，兼任平安资管总经理临时负责人。 近六年稳定后，对总经理再度进行更换，平安资管表示，此次人事变动不会对其正常经营产生影响，目 前公司治理架构稳定，人才梯队完备，各项工作有序开展。对于未来的总经理人 ...

Core Viewpoint - The article emphasizes the importance of disaster prevention and reduction in the context of increasing climate change and extreme weather events, highlighting the role of China People's Insurance Group (China P&C) in establishing a comprehensive risk management system that integrates insurance, risk reduction services, and technology [1][2]. Group 1: Risk Management System - China P&C has developed a full-chain risk management system covering pre-disaster prevention, in-disaster response, and post-disaster compensation [1]. - In 2024, China P&C's risk reduction initiatives have cumulatively reduced social losses by over 1 billion yuan [1]. - The company has integrated 9 categories of 99 million risk data points into its self-developed "Catastrophe Safety" platform to support risk reduction services [1]. Group 2: Insurance and Support - China P&C has provided insurance coverage for nearly 40 major natural disasters, including Typhoon "Mojie," through a multi-disaster, multi-year, and multi-level protection system [1]. - As the chief co-insurer, China P&C has collaborated with over 40 insurance institutions to form a catastrophe insurance community, offering 22.36 trillion yuan in catastrophe risk protection to 64.39 million households [1]. Group 3: Technological Integration - The company is transitioning risk management from "post-event compensation" to "pre-event prevention" by leveraging technology [1]. - China P&C employs IoT devices to enhance safety networks and utilizes smart tools to improve the effectiveness of safeguarding livelihoods [1]. - The company has enhanced its data-driven capabilities through smart claims systems, "Yunzhibao" smart screens, and satellite remote sensing technology to ensure rapid response during disasters and efficient data review post-disaster [2]. Group 4: Continuous Improvement - China P&C analyzes post-disaster claims cases using big data to continuously optimize risk models and emergency plans, forming a closed loop of "early warning - response - review" for long-term disaster prevention [2]. - The China Disaster Prevention Association has established a subcommittee for disaster insurance and risk reduction, with China P&C's subsidiary, China People's Property Insurance Co., Ltd., elected as the chair unit [2].

Group 1 - The core viewpoint of the article highlights the performance of the China Securities Index Non-Bank Financial Theme Index, which has shown significant growth in recent months, with a 16.26% increase over the past month and a 6.88% increase year-to-date [1][2] - The index consists of up to 50 listed companies that meet the non-bank financial theme criteria within the Hong Kong Stock Connect range, reflecting the overall performance of these companies [1][2] - The top ten weighted companies in the index include Hong Kong Exchanges and Clearing (17.47%), AIA Group (15.58%), and Ping An Insurance (14.35%), indicating a concentration in major financial institutions [1][2] Group 2 - The industry composition of the index shows that insurance companies dominate with a 65.38% share, followed by other capital markets at 21.78%, and securities firms at 11.58% [2] - The index undergoes biannual adjustments every June and December, with provisions for temporary adjustments in special circumstances, ensuring that it remains reflective of the current market landscape [2]

Core Viewpoint - Nanjing People's Insurance Company is enhancing its traffic accident handling services through a collaboration with Nanjing Traffic Management Bureau, utilizing data sharing and technology to provide rapid claims processing during the May Day holiday period [1][5]. Group 1: Service Implementation - The company launched an upgraded "police-insurance linkage" service during the May Day holiday, integrating drone inspections, online responsibility determination, and insurance claims processing for traffic accidents [1][5]. - Four "Heart Service Stations" were established at major traffic hubs in Nanjing, offering quick claims services for minor accidents, free vehicle inspections, and emergency supplies to travelers [3]. Group 2: Technology Utilization - The Nanjing Traffic Management Bureau effectively managed holiday traffic congestion by employing drones for low-altitude inspections, allowing for timely identification and documentation of accident scenes [5]. - The video quick processing center responded swiftly to accident responsibility determination and guided involved parties through online claims processing, ensuring a seamless connection between traffic management and insurance claims [5]. Group 3: Commitment to Service - Nanjing People's Insurance Company emphasizes its commitment to corporate responsibility by enhancing its comprehensive handling capabilities for road traffic accidents, ensuring safety for customers during the holiday [5].