以下文章来源于棱镜 ，作者肖望 棱镜 . 腾讯新闻出品栏目，《棱镜》聚焦泛财经深度记录。 将投中网设为"星标⭐"，第一时间收获最新推送 抢夺千万富豪客户们。 作者丨 肖望 编辑丨 孙春芳 来源丨 棱镜 私人银行，素以神秘、低调、门槛高昂著称。要成为私人银行客户，须在一家银行内拥有存款、理财 等金融资产超过600万元，招行则将这一门槛提高至1000万元。需要强调的是，这一门槛不包括房 产等固定资产。 业内共识是，一位私行客户往往享受不止一家私行服务，其个人资产普遍在1500万元以上。 一位私行业务负责人直言： 在金融业务基本同质化、理财差异不大的情况下，非金融服务权益已经 成为私人银行的核心竞争力。 预订私人飞机、南极旅行、名医就诊，再到留学辅导、海外医美，私人银行开"卷"服务背后，正是 抢夺千万富豪客户们的野心。 定制演唱会、南极旅游、观摩卫星发射 招行联合贝恩咨询发布的2023年《中国私人财富报告》数据显示，截至2022 年，可投资资产在 1000 万元以上的中国高净值人群数量达316万人，人均持有可投资产约3183万元。 谁能为富豪客户创造价值甚至提供情绪价值，谁就能得到客户转入更多的资产。同样，银行提供 ...

"13精"数据库第370周更新公告 13精资讯-增加2025年4月保险业总体经营情况、分产寿经营情况、分地区保费 13精资讯-增加2025月5月高管人员任职数据 13精资讯-增加2025年5月保险公司分支机构设立撤销数据 13精资讯-增加最近一周保险公司被处罚数据 13精资讯-增加最近一周保险公司投连险净值数据 13 精利用最新录得数据做的研究报告之370 期： 2024年33家保险资管公司经营业绩排行榜：国寿、泰康、平安位列三甲！ 先 说 结论： 1、 "13精"统计了2024年33家保险资管公司财务数据指标，并从净利润、净资产收益率（ROE）的角度给出了排名。 国寿资管的净利润规模38.6亿元，排名第1。 泰康资管的净利润规模28.4亿元，排名第2。 平安资管的净利润规模24.5亿元，排名第3。 2、 2024年保险资管营业收入401亿元，同比提高了14.6%。保险资管的净利润180亿元，同比提高了17.4%。 正文： 随着保险资管公司陆续发布2024年年度信息披露报告，我们汇总了33家资管公司的业绩指标。 这已经是我们连续第六个年度对资管公司进行业绩比较啦！ 那么，2024年度保险资管经营业绩状况到底如 ...

转自：新华财经 新华财经上海6月10日电（记者潘清 王淑娟）民众医疗健康需求持续提升、人工智能技术快速迭代，正 推动"AI+医疗"蓬勃发展。平安集团旗下平安好医生10日在上海宣布，推出全场景、全周期、全生态 的"7+N+1"AI医疗产品矩阵。 记者从当日举行的"平安好医生品牌焕新暨中国平安医健服务名片发布大会"上了解到，平安好医 生"7+N+1"AI医疗产品矩阵中，"7"为当日首发的"机+人"全原生进化AI医疗产品，包括"平安芯医""安 主任"、AI养老管家、AI医务室、AI健管师、AI慢病管理师、AI健康福利官；"N"为"人+机"的既往AI Agent智能体赋能产品升级；"1"指依托行业赋能的"有医"平台，让平安好医生AI医疗底层核心能力惠及 整个社会。 作为中国平安"三省工程"（"省心、省时、又省钱"）的一大创新实践，平安好医生还重磅发布了代表平 安标准的年度医健服务名片："家医主动护、名医零距离、就医全程管"。 其中，"家医主动护"按照国内首个《家庭医生远程与互联网健康服务规范》团体标准，为亚健康、疾 病、慢病用户展开7*24小时全天候病案分析和主动服务；"名医零距离"对院士领衔的专家团服务体系全 面升 ...

Core Viewpoint - Ping An Good Doctor has officially rebranded and launched its annual health service card, aiming to meet diverse healthcare management needs across different health stages [1][3]. Group 1: Company Overview - Ping An Health Medical Technology Co., Ltd. has rebranded to "Ping An Good Doctor" and aims to provide comprehensive healthcare services [1]. - The company has achieved 400 million registered users, 20 million family doctor members, and has collaborated with over 2,100 enterprises covering more than 5 million employees [3]. - By the first quarter of 2025, the company plans to establish a network of approximately 50,000 doctors across 29 specialties and connect with 105,000 health service providers and 23,500 pharmacies [3]. Group 2: Service Offerings - The newly launched health service card emphasizes "Proactive Family Doctor Care," "Zero Distance to Experts," and "Comprehensive Medical Management" [4]. - "Proactive Family Doctor Care" offers 24/7 case analysis and services for users in various health conditions, supported by a certified team of family doctors [4]. - "Zero Distance to Experts" allows users to connect with over 3,000 experts via audio and video consultations within three hours [4]. - "Comprehensive Medical Management" provides a full journey of care, including assistance during surgery and post-operative recovery guidance [4]. Group 3: Technological Integration - Ping An Good Doctor has introduced a comprehensive "7+N+1" AI medical product matrix, enhancing its service capabilities through AI technology [5]. - The AI products include "Ping An Chip Doctor," "An Director," and various AI health management tools, aimed at providing integrated online and offline services [5]. - The company is collaborating with the National Tumor Quality Control Center to establish MDT diagnostic standards [6]. Group 4: Strategic Direction - Ping An Group continues to deepen its "Integrated Finance + Healthcare and Elderly Care" strategy, with technology as a central component [4][6]. - The company aims to enhance customer satisfaction and industry recognition through continuous upgrades in financial and healthcare services [6].

Core Insights - The report highlights the "Cost-Effectiveness Ratio" (费效比) as a key metric for evaluating management efficiency, indicating the profit generated per unit of labor cost [3][29] - Shenzhen's listed companies demonstrated a revenue growth of 5.73%, reaching a total revenue of 83,765 billion yuan, while labor costs increased by 8.86%, outpacing net profit growth of 3.7% [5][8] - The report categorizes Shenzhen's listed companies into three tiers based on their performance: leading companies show strong momentum, mid-tier companies are stabilizing, and long-tail companies have potential for improvement [19][20] Overview of Shenzhen Listed Companies - A total of 549 companies are listed in Shenzhen, with 423 on A-shares and 126 on H-shares, where private enterprises constitute 61.93% of the total [6][8] - The average revenue per company in Shenzhen is 152.58 million yuan, with an average net profit of 12.53 million yuan [5][6] Human Capital Investment - The increase in labor costs exceeding revenue growth by 3.13 percentage points indicates a belief among Shenzhen companies that investing in human capital will accelerate value release [8][19] - The 90th percentile cost-effectiveness ratio is 1.15, significantly higher than the industry median of 0.19, highlighting the impact of human resource management on net profit [12][19] Revenue and Profit Distribution - Shenzhen's listed companies achieved a total revenue of over 8.3 trillion yuan, with private enterprises contributing 42.3% [22][24] - Private enterprises also accounted for 42.7% of the total net profit, demonstrating their significant role in the local economy [24][27] Cost-Effectiveness Rankings - The top companies in terms of cost-effectiveness include Ping An Bank with a ratio of 2.33 and BYD with a strong focus on labor efficiency [28][73] - The report emphasizes the importance of measuring cost-effectiveness to ensure that contributions exceed costs, which is crucial for business incentives [29][31] Sector-Specific Insights - The report identifies leading companies in various sectors, such as Tencent and BYD, showcasing their ability to leverage high salaries for high returns [31][85] - The analysis reveals that companies with high labor costs can still achieve high efficiency through strategic investments in talent and technology [31][70] Future Outlook - The report suggests that Shenzhen's listed companies are well-positioned for future growth, with potential for enhanced efficiency through digital transformation and organizational restructuring [19][70] - The emphasis on human capital and strategic management practices indicates a robust framework for sustaining competitive advantages in a complex economic environment [19][31]

Core Insights - The conference, hosted by Ping An Group and organized by Ping An Good Doctor, highlighted the company's ongoing strategy of integrating "comprehensive finance + healthcare and elderly care" to enhance its healthcare network [1][4] - Ping An Good Doctor aims to provide a seamless healthcare experience through its upgraded brand and service offerings, focusing on user-centric healthcare management [2][9] Group 1: Company Strategy and Developments - Ping An Group's co-CEO Guo Xiaotao emphasized the integration of quality resources to build a flagship internet healthcare platform and self-operated medical institutions, marking significant progress in constructing a health network [1] - The company has established a comprehensive service network, connecting approximately 50,000 doctors across 29 departments, 105,000 health service providers, 235,000 pharmacies, and 4,000 hospitals [2] Group 2: Service Offerings - The newly launched annual healthcare service card includes "Family Doctor Proactive Care," "Expert Access," and "Comprehensive Medical Management," aimed at providing efficient and high-quality healthcare services [3][4] - The "Family Doctor Proactive Care" service offers 24/7 case analysis and support for users with chronic conditions, while "Expert Access" allows for direct video consultations with over 3,000 experts [3] Group 3: Technological Integration - The company is leveraging advanced technologies, including AI and data analytics, to enhance its healthcare services, aligning with national policies promoting high-quality healthcare development [6][7] - The introduction of the "7+N+1" AI medical product matrix aims to provide comprehensive support for users, integrating both human and machine capabilities in healthcare delivery [7] Group 4: Future Directions - Ping An Good Doctor plans to collaborate with the National Cancer Quality Control Center to establish MDT treatment standards, focusing on AI-enabled evidence-based medicine for improved healthcare outcomes [8] - The company is committed to enhancing user satisfaction and industry recognition through continuous service upgrades in the financial and healthcare sectors [9]

中国的银行保险从1 9 9 6年开始起步。银保产品一直以趸交为主，到2 0 0 7年银保渠道的 新单保费已经超过了所有其他渠道新单保费之和。从2013年到2016年，银保总保费占 寿险行业总规模保费的一半，近几年降到30%左右。最近三年，银保期交保费也逐步赶 上了个险渠道，越发显示出其重要性。 在第一部分，首先回顾了银保业务发展的六个阶段，从2024年开始，进入"报行合一"的 全新阶段。我们汇总了全行业银保新单保费和期交保费数据，另外我们将寿险公司分为 六组，也汇总了每组的保费数据。 在第二部分，我们展示了7 6家寿险公司过去十五年的新单保费和40家大中型公司的行业 排名。我们用亿元做单位，数字0表示保费小于0.5亿元。 这篇文章《银保渠道的过去和未来》是我最近写的研究报告，主要内容分为三个部分在 这里连载。2 0 2 2年初在研究银保渠道时，我选了15家以银保为主并且规模较大的公司， 分为两组，分别称为银保七雄和八大金刚，并且将所有做银保的寿险公司分为六大类， 这种分类对分析银保保费的变化和趋势有很大帮助。 二、2005到2012年 正常增长的时代 根据不完全统计，2005年银保渠道的总保费为9 5 2亿， ...

Core Viewpoint - Ping An Life's Hubei branch launched the "Good Insurance, Add Peace" insurance + service solution, marking its 30th anniversary and emphasizing a customer-centric approach to provide comprehensive financial insurance services [3][5][8]. Group 1: Event Overview - The launch event was held on June 8, attended by over 1,400 participants, including company executives and customer representatives [1][3]. - The event also initiated a customer appreciation campaign to celebrate the 30th anniversary of Ping An Life in Hubei [7]. Group 2: Service Model and Offerings - The "Good Insurance, Add Peace" initiative aims to integrate insurance protection with personalized services, addressing the evolving needs of customers [6][8]. - The solution includes six major product service series, focusing on health, medical, and elderly care services, tailored to meet diverse customer needs at different life stages [6][8]. Group 3: Customer Engagement and Education - The event featured a special lecture on family education by renowned educator Fan Deng, addressing common educational challenges faced by families [8]. - The company plans to offer various service packages, including policy organization and rights clarification, to enhance customer experience [7].

Industry Insights - The Shanghai Consumer Protection Commission highlighted four major issues in online insurance sales, including ambiguous product names, incomplete information disclosure, non-standard marketing materials, and lack of customer service support [1] - A report evaluated 150 products from 10 platforms, revealing that misleading naming and exaggerated claims negatively impact consumer rights [1] - Recommendations were made to improve these issues to enhance user experience and transparency [1] Company Developments - Ping An Asset Management has been approved to establish a private equity fund with an initial scale of 30 billion yuan, focusing on quality listed companies [3] - Insurance funds are increasingly allocating to high-dividend stocks, with an expected annual increase of 30 to 40 billion yuan in high-dividend asset allocation over the next three years [3] - China Pacific Insurance announced a total scale of 50 billion yuan for its new merger fund and private equity fund, with a focus on state-owned enterprise reform and industrial development in Shanghai [4] - China Ping An is seeking to raise 11.8 billion HKD (1.5 billion USD) through the issuance of zero-coupon convertible bonds to support core business development in healthcare and elderly care [5] - The domestic second-largest online insurance intermediary, Shouhui Group, has listed on the Hong Kong Stock Exchange but experienced an 18% drop on its first day, indicating increased competition and cautious market valuations [6] Financial Personnel Changes - AIA Group announced that its independent non-executive chairman, Mark Tucker, will succeed the current chairman, Sherry S. H. Chiu, effective October 1, 2025 [7]

Core Viewpoint - The recent implementation plan by Shenzhen aims to promote high-quality development of service trade and digital trade, particularly supporting Hong Kong insurance companies to establish subsidiaries in Shenzhen, which reflects the growing demand for cross-border financial services in the Guangdong-Hong Kong-Macao Greater Bay Area [1][4][6]. Group 1: Policy Developments - Shenzhen's implementation plan emphasizes the development of cross-border financial insurance services and supports qualified Hong Kong insurance companies in setting up subsidiaries in Shenzhen [3][4]. - The plan aligns with previous policies that lowered entry barriers for Hong Kong financial institutions to invest in mainland insurance companies, indicating a trend towards greater financial integration in the Greater Bay Area [4][5]. - The cancellation of the total asset threshold for Hong Kong and Macao financial institutions investing in mainland insurance companies is a significant step towards enhancing financial openness [4][5]. Group 2: Market Opportunities - The demand for cross-border insurance products is surging, with a reported increase of over 27 times in new individual life insurance policies purchased by mainland visitors in Hong Kong in 2023 compared to 2022 [5]. - The total new premiums from mainland visitors in 2024 are projected to reach 628 billion HKD, marking a 6.5% year-on-year growth and accounting for approximately 28.6% of the total new premiums in personal business [5]. - Hong Kong insurance companies are expected to focus on health insurance and pension insurance, leveraging the favorable market conditions in Shenzhen to expand their business [6][7]. Group 3: Strategic Directions for Hong Kong Insurers - Hong Kong insurance companies are likely to adopt a diversified approach in their mainland strategies, focusing on products that cater to the needs of Greater Bay Area residents, such as cross-border medical insurance and export credit insurance for SMEs [7][8]. - The successful entry into the mainland market will depend on understanding local consumer needs, enhancing brand recognition, and improving service quality [7][9]. - Utilizing fintech resources in mainland China for digital transformation will be crucial for improving operational efficiency and competitiveness [7][9]. Group 4: Trends for Mainland Insurers in Hong Kong - Mainland insurance companies are increasingly establishing a presence in the Hong Kong market, with several firms already setting up subsidiaries or offering services tailored to Hong Kong residents [8][9]. - The trend reflects a strategic response to the growing demand for high-end services, particularly in healthcare and pension sectors, within the Greater Bay Area [8][9]. - Successful market entry for mainland insurers will require a focus on high-end medical resource integration, innovative product design, and compliance with Hong Kong's regulatory environment [9].