Core Viewpoint - The company actively participated in the "Financial Education Promotion Week" to enhance financial knowledge and fraud prevention awareness among the public, focusing on the theme "Protecting Financial Rights to Support a Better Life" [1] Group 1: Workplace Promotion - The company established the workplace as the main venue for financial consumer protection promotion, displaying posters and brochures on key topics such as telecom fraud prevention and insurance consumer rights [3] - One-on-one explanations were provided to clients to guide them in rationally selecting insurance products, thereby strengthening the financial safety net [3] Group 2: Market Engagement - The company collaborated with the life insurance division to conduct outreach at local markets, using banners and brochures to educate the public on identifying false insurance promotions and protecting personal information [4] - Special attention was given to vulnerable groups, such as the elderly and merchants, through personalized communication to help them avoid financial pitfalls [4] Group 3: Community Outreach - The company organized teams to visit rural areas, integrating financial consumer protection education with agricultural insurance services [6] - Farmers were informed about insurance claim processes and how to prevent financial fraud in agriculture, addressing their specific questions and concerns [4][6] Group 4: Overall Impact - The financial education activities effectively filled the gap in financial knowledge dissemination in rural areas, enhancing the public's financial literacy and risk awareness [6] - The company plans to continue integrating financial education with daily services, exploring more grassroots-oriented promotional methods to contribute to a safe financial environment and local economic development [6]

【案例】 今年1月7日9时5分，西藏日喀则市定日县发生6.8级地震。据西藏自治区官方发布信息，此次地震导致当地 27248户房屋受损、3612户房屋倒塌。 灾情发生后，保险公司立即开展理赔工作。人保财险重点提高农房保险等民生类险种的理赔服务效率，采 取"边公示、边理赔"的方式，压缩理赔环节。同时，结合农房灾损情况和损失特征，使用卫星遥感高分辨率照片 对农房重损区域进行灾损分析，确保农房理赔高效精准。截至1月15日24时，人保财险已向此次地震灾区支付农房 保险赔款近亿元。 不久前，日喀则市多个县的首批受灾群众已经正式搬入新居，迎来了新生活。 遭遇地震、洪水等自然灾害，房屋受损往往让农民面临重建困境。而政策性农村住房保险则充分发挥财政保 费补贴的引导作用及保险经济补偿功能，帮助受灾农户重建家园。 早在2012年，民政部、财政部和原保监会联合印发的《关于进一步探索推进农村住房保险工作的通知》提 出，按照政府引导、市场运作、自主自愿、协同推进的原则探索推进农村住房保险；在农户自主自愿的前提下， 逐步扩大农村住房保险的覆盖面，不断提高农村住房风险保障水平。 农房保险可以赔付哪些风险？ 以广东省地方金融管理局、广东省财政 ...

Core Viewpoint - The development of high-standard farmland is crucial for enhancing national food security and agricultural productivity, with insurance playing a significant role in supporting this initiative [2][4]. Group 1: High-Standard Farmland Development - The concept of high-standard farmland was first introduced in the 2005 Central Document No. 1, making it a key focus for local governments [2]. - Approximately 30% of high-standard farmland suffers from reduced effectiveness due to poor management and maintenance [2]. - The insurance products tailored for high-standard farmland cover potential defects in construction quality, maintenance costs, and damages from natural disasters, providing comprehensive protection for agricultural development [1][4]. Group 2: Insurance and Risk Management - The "insurance + service" model has emerged as a mainstream approach to address the complexities and risks associated with high-standard farmland construction and maintenance [3]. - Insurance companies are encouraged to organize professional oversight for design, construction, and supervision to mitigate engineering quality risks [2]. - The integration of technology, such as drone surveillance and AI for risk identification, enhances the efficiency of farmland management and maintenance [3][4]. Group 3: Financial Support and Impact - As of December 2024, insurance products related to high-standard farmland have been promoted across 31 provinces, with total compensation payments exceeding 1.35 billion yuan [1]. - High-standard farmland insurance fills a critical gap in risk management throughout the entire lifecycle of farmland development, transitioning from passive compensation to proactive risk prevention [4]. - This insurance not only boosts farmers' confidence but also supports the strategic goals of food security and agricultural modernization, contributing to rural revitalization [4].

Core Viewpoint - The comprehensive claim ratio of short-term health insurance in the industry is low, with a median of 42.12% and an average of 45%, indicating insufficient consumer protection and trust in insurance companies [1][3][4]. Summary by Sections Comprehensive Claim Ratio - The comprehensive claim ratio is a crucial indicator of insurance product protection, with a higher value indicating more payouts to consumers [4]. - The current ratio of around 45% is considered low, with industry professionals suggesting a more reasonable range of 50%-70% for better consumer experience and sustainable operations [4][11]. Trends Over Time - From 2023 to the first half of 2025, the median claim ratio for life insurance companies increased from 38.83% to 42.12%, while for property insurance companies, it rose from 38.70% to 42.30% [6]. - Among the insurers reporting data, 11 had negative claim ratios, and 9 exceeded 100%, with 44 companies falling between 0%-40% and 33 between 40%-60% [6]. Company Performance - Major insurers like China Life, Ping An Health, and others have claim ratios above 50%, while companies like Zhong An Insurance and Tai Kang Online have significantly lower ratios [11]. - The disparity in claim ratios among companies is influenced by their product focus, with those offering broader coverage typically having higher ratios [14]. Cost Structure and Profitability - Low claim ratios do not necessarily equate to high profits for insurance companies, as high operational costs can offset potential gains [13]. - The competitive landscape for acquiring customers, especially through digital channels, has led to increased costs, impacting claim ratios [13]. Market Dynamics - The importance of commercial health insurance is growing, especially with reforms in payment methods that open new opportunities for development [16]. - The current short-term health insurance products primarily cover out-of-pocket expenses after basic insurance reimbursements, often with high deductibles [16]. Future Outlook - There is a recognized need to improve the claim ratio by at least 20 percentage points to enhance consumer satisfaction and trust [16]. - Strategies to increase consumer engagement and expand coverage are being explored, including targeting sub-healthy and sick populations [18][19]. - Government initiatives to support group health insurance purchases may provide a significant boost to the commercial health insurance market [20].

长沙晚报掌上长沙9月23日讯（通讯员 匡林垚） 9月18日，人保财险长沙市分公司在烈士公园开展"保障金融权益 助力美好生活"健步走活动，共同为提升公众金融素养、维护金融消费者权益贡献力量。 活动当天，秋高气爽，湖风轻拂，为整个活动增添了愉悦的氛围。活动采用"健步打卡+消保护航"的双轨模式，在 健步路线中精心设置了三处打卡点，工作人员在每个打卡点向过往市民朋友以及晨练的老年朋友发放宣传折页， 普及各类金融基础知识，揭示非法金融中介活动常见手段，帮助市民朋友明辨风险，提升风险防范能力。针对老 年朋友，工作人员提醒他们要保护好个人信息和财产安全，注意防范电信网络诈骗。为增加活动的趣味性，每个 打卡点还设置了消保知识闯关答题等互动活动，将金融知识巧妙地融入自然场景之中，让参与者在享受徒步乐趣 的同时，也能轻松学习到实用的金融知识。 此次"保障金融权益 助力美好生活"健步走活动，不仅是一次金融知识的普及之旅，更是人保财险长沙市分公司与 公众互动交流的重要平台。通过创新的活动形式和内容，公司成功地将金融知识送到了群众身边，为构建和谐、 稳定的金融环境贡献了积极力量。未来，人保财险长沙市分公司将继续秉持以人民为中心的发展思 ...

Investment Rating - The report maintains an "Outperform" rating for the non-bank financial sector [5] Core Insights - The phenomenon of "deposit migration" has become a new consensus in the market, serving as a core engine for the current capital market rally since the 924 anniversary [2][14] - The report emphasizes the significant impact of low deposit interest rates and the emergence of various risk assets, which have led to a notable shift in residents' wealth allocation [2][14] - The analysis framework constructed in the report focuses on the relationship between changes in residents' wealth behavior, the acceptance of asset management products, and the impact on asset prices [14][21] Summary by Sections 1. Changes in Resident Wealth - The aging population is leading to a more balanced asset allocation approach, with a less aggressive risk appetite compared to previous cycles [3][19] - Wealth concentration is increasing, with high-net-worth individuals having more information and product advantages, driving a stronger demand for long-term wealth preservation [3][37] - The trend of wealth allocation through asset management products is emerging, with a shift from direct leverage in bull markets to participation via public funds and private asset management [3][48] 2. Asset Management Products - The decline in risk-free interest rates is prompting asset management institutions to explore diversified investment strategies, including "fixed income plus" solutions [3][54] - Various asset management products are being developed to meet the differentiated risk-return profiles of investors, such as ETFs, FOFs, and multi-asset bank wealth management products [3][64][63] 3. Changes in Asset Prices - The rapid expansion of asset management products is expected to significantly influence the pricing mechanisms of assets, enhancing market efficiency and liquidity [4][12] - The influx of long-term, low-volatility capital into the market is likely to create a more balanced market style and provide more room for product innovation [4][12]

走进人保财险江西分公司的营业厅，醒目的"爱心驿站"标识总能第一时间映入眼帘。驿站内，饮水机、 充电器、雨伞、急救箱、轮椅、老花镜等便民服务设施一应俱全，不仅为前来办理业务的客户提供了便 利，更向环卫工人、快递小哥、交警等户外工作者和社会公众敞开大门，为他们提供了一个"渴了能喝 水、热了能乘凉、冷了能取暖、累了能歇脚"的温馨港湾。 与"爱心驿站"相邻的，还有充满童趣的"童心港湾"。这里摆放着色彩鲜艳的儿童读物、益智玩具和涂鸦 画板，为跟随家长前来办理业务的孩子们开辟了一片专属的乐园。家长们可以安心办理业务，孩子们也 能在此度过愉快的等待时光，有效解决了客户带娃办事的后顾之忧，让金融服务变得更加从容、更有温 度。暑假期间，人保财险江西分公司联合当地社区在童心港湾为当地留守儿童提供亲情陪伴、情感关怀 与专业心理疏导，开设防溺水、防侵害知识宣讲，在社区家门口提供便捷、可及的服务，打通关爱留守 儿童的"最后一公里"。 除了暖心设施，人保财险江西分公司还巧妙地将金融知识普及融入服务场景。在全省各个网点设立"公 众金融宣传角"。宣传角通过通俗易懂的宣传折页和视频，向公众普及保险知识、消费者权益保护法、 防范非法集资和金融诈 ...

在日前落幕的2025年中国国际服务贸易交易会上，平安产险联合中再产险和西北工业大学发布了《低空 经济新兴风险治理与保险创新白皮书》，为当前低空经济相关产业的综合风险提出了系统性解决方案。 随着低空经济从"蓝图"跃入"实景"，无人机配送、空中游览、eVTOL(电动垂直起降飞行器)等新业态迅 猛发展。这片蓝海在展现巨大潜力的同时，也带来了前所未有的风险管理和安全保障挑战。记者在采访 中了解到，保险业正积极前瞻布局，通过产品创新、服务升级和模式探索，致力于为低空经济编织全方 位、多层次的安全保障网。 快速发展释放需求 近年来，低空经济发展保持强劲增长态势。从产业链上看，低空经济主要涵盖低空装备制造、低空飞行 保障、低空场景运营服务与低空综合服务4个主要领域。来自中国民航局的数据显示，截至2024年11月 底，我国无人机运营企业近1.9万家，国内注册无人机215.8万架。2024年前11个月无人机飞行2544.9万 小时，同比增长15.3%。据中国民航局测算，我国低空经济市场规模预计2025年突破1.5万亿元、2035年 跃升至3.5万亿元。 2024年《政府工作报告》提出，积极打造生物制造、商业航天、低空经济等新增 ...

在日前落幕的2025年中国国际服务贸易交易会上，平安产险联合中再产险和西北工业大学发布了《低空 经济新兴风险治理与保险创新白皮书》，为当前低空经济相关产业的综合风险提出了系统性解决方案。 随着低空经济从"蓝图"跃入"实景"，无人机配送、空中游览、eVTOL（电动垂直起降飞行器）等新业态 迅猛发展。这片蓝海在展现巨大潜力的同时，也带来了前所未有的风险管理和安全保障挑战。记者在采 访中了解到，保险业正积极前瞻布局，通过产品创新、服务升级和模式探索，致力于为低空经济编织全 方位、多层次的安全保障网。 快速发展释放需求 近年来，低空经济发展保持强劲增长态势。从产业链上看，低空经济主要涵盖低空装备制造、低空飞行 保障、低空场景运营服务与低空综合服务4个主要领域。来自中国民航局的数据显示，截至2024年11月 底，我国无人机运营企业近1.9万家，国内注册无人机215.8万架。2024年前11个月无人机飞行2544.9万 小时，同比增长15.3%。据中国民航局测算，我国低空经济市场规模预计2025年突破1.5万亿元、2035年 跃升至3.5万亿元。 2024年《政府工作报告》提出，积极打造生物制造、商业航天、低空经济等新增 ...

中国财险 二、中国人民财产保险股份有限公司应按照有关规定及时办理变更及许可证换领事宜。 分时图 日K线 周K线 月K线 17.37 -0.47 -2.63% 3.53% 2.35% 1.18% 0.00% 1.18% 2.35% 3.53% 17.21 17.42 17.63 17.84 18.05 18.26 18.47 09:30 10:30 12:00/13:00 14:00 16:10 0 129万 257万 386万 2025年9月12日，国家金融监督管理总局嘉兴监管分局发布批复称，《人保财险浙江省分公司关于变更 中国人民财产保险股份有限公司嘉兴市分公司营业场所的请示》（浙人保财险报核〔2025〕115号）收 悉。经审核，现批复如下： 一、同意中国人民财产保险股份有限公司嘉兴市分公司将营业场所变更为：浙江省嘉兴市南湖区东栅街 道泾水路791号启红大厦A座6层、7层。 ...