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 ...

中国经济网北京4月14日讯 中国太保（601601.SH）近日发布保费收入公告。2025年1月1日至2025年3月 31日，中国太保累计原保险业务收入为1633.23亿元，同比增长5.9%。 （责任编辑：马欣） 2025年1月至3月，中国太保子公司中国太平洋人寿保险股份有限公司累计原保险业务收入为人民币 1002.15亿元，同比增长9.3%；子公司中国太平洋财产保险股份有限公司累计原保险业务收入为人民币 631.08亿元，同比增长1.0%。 ...

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]

Core Insights - The property insurance industry in China has shown strong performance in the first quarter of the year, driven by optimization in auto insurance and the gradual release of investment returns from the previous year [1][3] Group 1: Financial Performance - A total of 85 property insurance companies reported approximately 516.15 billion yuan in insurance business income and a net profit of about 25.60 billion yuan for the first quarter [1] - China People's Property Insurance Company (PICC) led the sector with 181.68 billion yuan in insurance business income, being the only company to exceed 100 billion yuan [2] - PICC also topped the net profit rankings with 13.31 billion yuan, while three other companies, including Ping An Property & Casualty and China Pacific Property Insurance, reported net profits exceeding 1 billion yuan [2] Group 2: Profitability Trends - Out of the 85 companies, 70 reported profits, collectively achieving 25.77 billion yuan in profit, indicating an increase in both the number and proportion of profitable companies compared to the previous year [2] - The overall profitability of the industry is attributed to a balance between underwriting income and costs in the auto insurance sector, with leading companies maintaining low combined cost ratios around 95% [3] Group 3: Market Dynamics - The industry exhibits a significant Matthew effect, where the top five companies accounted for 82% of the total net profit, highlighting the disparity between large and small insurers [4] - Smaller insurers are encouraged to adopt differentiated strategies and leverage local partnerships to carve out niche markets, especially in the emerging new energy vehicle insurance sector [4][5]

2025年1月至5月，中国太保子公司中国太平洋人寿保险股份有限公司累计原保险业务收入为人民币 1347.87亿元，同比增长10.2%；子公司中国太平洋财产保险股份有限公司累计原保险业务收入为人民币 923.82亿元，同比增长0.5%。 （责任编辑：马欣） 中国经济网北京6月16日讯 中国太保（601601.SH）近日发布保费收入公告。2025年1月1日至2025年5月 31日，中国太保累计原保险业务收入为2271.69亿元，同比增长6.0%。 ...

（责任编辑：马欣） 中国经济网北京7月16日讯 中国太保（601601.SH）昨日晚间发布保费收入公告。2025年1月1日至2025 年6月30日，中国太保累计原保险业务收入为2,820.08亿元，同比增长5.9%。 2025年1月至6月，中国太保子公司中国太平洋人寿保险股份有限公司累计原保险业务收入为人民币 1,680.09亿元，同比增长9.7%；子公司中国太平洋财产保险股份有限公司累计原保险业务收入为人民币 1,139.99亿元，同比增长0.9%。 ...

中信保诚人寿的报告显示，30岁至50岁人群占比达65%。其中，41岁至50岁人群占比最高，达到了 41.5%；31岁至40岁人群占比超过51岁至60岁人群，位列第二，达到了22.9%。招商信诺人寿的数据也 印证了这一趋势，18岁至40岁的青年人重疾险理赔占比达42.05%，18岁以下的未成年人占比也达到了 16.18%。中国人寿寿险公司发布的提示显示，各年龄段的风险重点不同：青少年高发癌症是白血病， 中青年以甲状腺恶性肿瘤为主，老年人则是肺恶性肿瘤。 与高发的重疾风险形成鲜明对比的，是当前重疾保障的严重不足。中国人寿寿险公司发布的理赔报 告显示，2025年上半年，该公司重疾件均赔付金额约4万元，相较于高昂的治疗费用，重疾险保障水平 仍有提升空间。而在太平人寿重疾险赔付中，67.9%的赔付金额在15万元以下。中宏保险第二季度重疾 件均赔付为16.1万元。 随着2025年上半年各大保险公司理赔数据的相继出炉，赔付数据背后折射的趋势也引发广泛关注： 重大疾病发病年龄持续前移，同时现有保险保障水平与治疗费用之间存在缺口。 然而，根据医疗基础科普数据，恶性肿瘤等重疾治疗费用平均在20万元到50万元，现有保障水平与 实际 ...

Core Viewpoint - The insurance industry is adjusting the preset interest rates for life insurance products due to the establishment of a dynamic adjustment mechanism linked to market interest rates, with the current research value set at 1.99% for ordinary life insurance products [1][2]. Group 1: Adjustment Mechanism - The adjustment of preset interest rates is based on a mechanism established in January 2023, which links preset rates to market rates such as the 5-year LPR and 10-year government bond rates [2]. - The current maximum preset interest rates are 2.5% for ordinary life insurance, 2.0% for participating insurance, and 1.5% for universal insurance [2]. Group 2: Expected Changes - Analysts predict that the maximum preset interest rate for ordinary life insurance will be adjusted down by 50 basis points to 2.0% by the end of August 2023, rather than the minimum required adjustment of 25 basis points [3][4]. - Major insurance companies, including China Life and Ping An Life, have already announced adjustments to their new insurance products in line with the new preset interest rates [4]. Group 3: Market Response - Many insurance companies have proactively prepared for the rate adjustments, with some already launching products with lower preset interest rates [5]. - The market is witnessing a shift towards participating insurance products, which are expected to become a significant part of the insurance companies' offerings due to their ability to share profits with clients [6][7]. Group 4: Industry Trends - The insurance industry is increasingly focusing on developing floating yield products as a response to the downward pressure on preset interest rates [6][7]. - Participating insurance products are projected to regain a dominant market share, potentially exceeding 80% of total premium income in the future [6].

近日，一场罕见的暴雨侵袭了北京北部。目前，救援救灾工作仍在紧锣密鼓进行中。 面对极端天气，保险业第一时间全面启动大灾应急预案，提前部署查勘力量、救援资源及应急物 资，全员进入24小时备战状态。同时，扎实做好风险减量，稳步开展快赔预赔，以实际行动筑牢防汛安 全屏障，切实保障人民群众生命财产安全。 一方面，紧急筹集物资，不断强化对受灾地区机构队伍、资源等保障支持，做好跨省跨区支援准 备，确保受灾地区抗灾救灾力量充足、保障有力。记者获悉，灾害发生后，人保财险紧急组建4个现场 工作组赴一线指导工作，储备60名全国跨省支援理赔骨干随时支援。人保财险河北阜平支公司全方位依 托500多个乡镇服务网点开展灾前预警提示，设置4个出险报案登记点，调动40辆救援车，实施无差别客 户拖车工作。 另一方面，充分发挥保险在防灾救灾过程中的专业优势，在做好预警的同时，积极融入各地应急抢 险救灾工作，全力保障人民群众生命财产安全。 中国人寿财险北京市分公司第一时间启动"预警前置"防汛应急机制，通过朋友圈、短信等多种渠道 推送天气预警，重点向高风险区域居民推送预警信息和避险指南。同时，及时排查低洼路段风险，提醒 民众提前防范。 在"暴雨洪涝灾 ...

Core Viewpoint - Citigroup's research report indicates that China Pacific Insurance (CPIC) is expected to experience strong growth in new business value (NBV) for the first half of the year, with an anticipated year-on-year increase of 31% [1] Group 1 - The comprehensive cost ratio is projected to improve by 1 percentage point year-on-year, primarily due to a reduction in natural disaster losses and a shift in product structure towards higher-margin businesses [1] - Mid-term profit for CPIC is forecasted to rebound with an estimated increase of approximately 5%, contrasting with an 18% decline in the first quarter of this year [1] - Citigroup has assigned a "Buy" rating to CPIC, setting a target price of HKD 37.7, reflecting confidence in the robust development of its life insurance business and potential benefits from policy reforms [1]