重要提示 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 中国太平洋保险（集团）股份有限公司 关于董事任职资格获核准的公告 证券代码：601601 证券简称：中国太保 公告编号：2025-064 特此公告。 中国太平洋保险（集团）股份有限公司董事会 2025 年 12 月 5 日 本公司近日收到国家金融监督管理总局（以下简称"金融监管总 局"）《关于王昱华中国太平洋保险（集团）股份有限公司董事任职 资格的批复》（金复〔2025〕687 号）。金融监管总局已核准了王昱 华女士担任本公司董事的任职资格。 ...

中国太保公告，公司近日收到国家金融监督管理总局《关于王昱华中国太平洋保险（集团）股份有限公 司董事任职资格的批复》。金融监管总局已核准了王昱华女士担任本公司董事的任职资格。 ...

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Core Insights - The Financial Regulatory Bureau released an action plan to promote high-quality development in the property insurance industry, focusing on business transformation and upgrades [1] - The action plan has led to significant reforms in the auto insurance sector, particularly addressing challenges in insuring new energy vehicles [1][3] Group 1: Policy and Regulatory Developments - The action plan aims to enrich new energy vehicle insurance products and optimize market pricing mechanisms [1] - A joint guidance opinion was issued to enhance the quality of new energy vehicle insurance through data sharing, repair standards, and rate determination [1][2] Group 2: Industry Innovations and Solutions - A risk-sharing mechanism was established to address the "difficult to insure" issue for high-risk models, with the launch of the "Car Insurance Good to Insure" platform [2] - The platform has onboarded 37 property insurance companies, facilitating insurance for over 1.1 million vehicles, providing coverage exceeding 1.1 trillion yuan [2] Group 3: Financial Performance and Growth - Major insurers like China Ping An and China Pacific Insurance reported that new energy vehicle insurance has entered a profitable stage, with a projected premium of around 200 billion yuan and a growth rate exceeding 30% [3] - The industry is expected to see further profitability as technology upgrades and data accumulation continue [3] Group 4: Challenges and Future Outlook - The property insurance industry still faces challenges such as the division of liability in smart driving and the need for improved data sharing and security [4] - However, there is a general consensus that ongoing reforms will enable the industry to better serve the real economy and meet public needs [4]

Core Insights - The long-term investment return assumption is a crucial parameter affecting the intrinsic value of life insurance companies, reflecting their expectations regarding capital market conditions and investment strategies. In 2024, most life insurance companies have lowered their long-term investment return assumption from 4.5% to 4.0% [9][11]. Investment Returns Analysis - From 2010 to 2024, listed life insurance companies had a total investment return that exceeded the long-term investment return assumption in only 5 out of 15 years, with the remaining 10 years showing negative deviations. The cumulative total investment return deviation for the industry is -0.38% [3][6][37]. - As of the first three quarters of 2025, the total investment return for the year is approximately 3.5%, slightly below the long-term investment return assumption of 4.0%. A strong performance in the fourth quarter could make 2025 the first year since 2020 to exceed the long-term investment return assumption [3][13]. Company-Specific Performance - In 2024, China Life's total investment return was 4.02%, while its comprehensive investment return was 5.94%, both exceeding the long-term investment return assumption of 4.0% [17][18]. - Ping An Life's total investment return for 2024 was 3.32%, with a comprehensive investment return of 7.25%, also above the long-term assumption [19][21]. - For 2024, Taikang Life's total investment return was 3.03%, while its comprehensive investment return was 7.33%, surpassing the long-term assumption [22][23]. - New China Life reported a total investment return of 3.56% and a comprehensive investment return of 6.84% for 2024, both exceeding the long-term assumption [24][25]. - PICC Life's total investment return was 3.70%, with a comprehensive investment return of 14.1%, significantly above the long-term assumption [28][29]. - AIA's estimated long-term investment return assumption for 2024 is 3.4%, which is below the 4.0% threshold, indicating a cautious outlook [30][33]. Summary of Deviations - The average deviation of total investment returns from long-term assumptions for the industry is -0.38%, while the average deviation for comprehensive investment returns is 0.66%. Companies like PICC Life and AIA show better performance with positive deviations [37][38].

Core Viewpoint - The introduction of satellite remote sensing technology by China Pacific Property Insurance Co., Ltd. (Taibao Property Insurance) marks a significant shift in agricultural insurance from passive compensation to proactive management, providing comprehensive support for farmers from production to claims [1] Group 1: Risk Reduction through Growth Monitoring - The new model relies on remote sensing satellites for large-scale, periodic scanning to dynamically monitor crop growth, accurately identifying issues such as stunted growth, drought, and nutrient deficiency, and issuing timely warnings [2] - This proactive intervention effectively reduces potential losses, transforming the approach from post-event remediation to pre-event risk mitigation, thereby enhancing the risk response capability in agricultural production [2] Group 2: Accelerated Loss Assessment - Following heavy rainfall, remote sensing satellites and drones quickly scan affected areas, comparing pre-rainfall baseline images with post-rainfall images to automatically identify impacted regions [3] - By deeply analyzing the spectral characteristics of crop leaves, the technology accurately determines loss levels and generates objective, visual loss assessment reports, significantly improving assessment efficiency [3] - The traditional loss assessment cycle has been reduced from several weeks to just a few days, enhancing the timeliness of compensation payments [3] Group 3: Enhanced Agricultural Insurance Services through Technology - The combination of growth monitoring and rapid loss assessment signifies a move towards more precise, efficient, and user-friendly agricultural insurance services [4] - This approach not only reflects the commitment of Taibao Property Insurance but also reconstructs the logic of agricultural risk management through technology, shifting from post-event compensation to pre-event prevention and from manual experience to intelligent decision-making [4] - The implementation of this new model provides farmers with stronger protection and enhances the resilience of agricultural production against risks, representing a tangible innovation that benefits and supports farmers [4]

Core Insights - The Financial Regulatory Bureau released an action plan to promote high-quality development in the property insurance industry, focusing on business transformation and upgrades [1] - The action plan has led to significant reforms in the auto insurance sector, particularly addressing challenges in insuring new energy vehicles [1][3] - The introduction of a risk-sharing mechanism has helped alleviate the "difficult to insure" problem for high-risk models [2] Group 1: Policy and Regulatory Developments - The action plan aims to enrich new energy vehicle insurance products and optimize market pricing mechanisms [1] - A joint guidance document was released to enhance the quality of new energy vehicle insurance through data sharing, repair standards, and rate determination [1][2] - The "Car Insurance Good to Insure" platform was launched to support high-compensation model insurance, with over 37 insurance companies participating [2] Group 2: Industry Performance and Trends - Major insurers like China Ping An and China Pacific have reported that new energy vehicle insurance has entered a profitable phase [3] - The expected premium for new energy vehicle insurance is projected to reach 200 billion yuan, with a growth rate exceeding 30% [3] - The industry is experiencing a shift towards digitalization and AI integration, with significant advancements in automated claims processing [3] Group 3: Challenges and Future Outlook - The industry still faces challenges such as the division of liability in autonomous driving and the need for improved data sharing protocols [4] - Despite these challenges, the ongoing reforms are expected to enhance the industry's role in supporting the real economy and meeting public needs [4]

Group 1 - The establishment of Shanghai Jindongge Private Investment Fund marks a renewed influx of insurance capital into the private equity investment market, with partners including China Merchants Jin'ao Life and Lian'an Life [1] - Insurance capital is increasingly participating in private equity funds to address low interest rate challenges, broaden asset allocation channels, and enhance long-term asset holdings [1][2] - Recent collaborations, such as the partnership between China Life and Cainiao to create a logistics investment fund exceeding 1.7 billion RMB, highlight the focus on high-standard logistics infrastructure in key regions [1] Group 2 - The Guotai Haitong Zhongji Xuchuang Technology Equity Investment Fund has been registered, with a target scale of 30 billion RMB, focusing on state-owned enterprise reform and modern industrial system construction in Shanghai [2] - The active participation of insurance capital in private equity funds this year is attributed to changing asset allocation needs amid declining market interest rates [2][3] - Insurance capital is increasingly acting as limited partners in venture capital and private equity funds, leveraging professional investment institutions for better industry positioning [3] Group 3 - Policies supporting insurance capital's participation in private equity investments have been continuously improved, with local governments facilitating the introduction of long-term funds [3][4] - The Shenzhen government has proposed initiatives to enhance the role of government investment funds in promoting venture capital and private equity development [3] - Future trends indicate a strengthening of insurance capital's involvement in private equity investments, necessitating the establishment of appropriate assessment mechanisms [4]

Core Viewpoint - China Pacific Property Insurance Co., Ltd. Shenzhen Branch has been closely aligned with the development of the Shenzhen Special Economic Zone since its establishment in 1992, aiming to be a leader in the industry with a focus on customer experience, business quality, and risk control [1][6] Group 1: Cross-Border Trade Support - The company is enhancing high-level openness and supporting the high-quality development of Shenzhen's import and export trade by leading the construction of a cross-border trade ecosystem and creating the industry's first cross-border trade support platform [3][8] - This platform integrates insurance services with logistics, warehousing, quality inspection, residual value, and maintenance, establishing standardized service processes and risk management systems [3][8] - The first overseas cooperation forum hosted by the company in February 2025 in Shenzhen set a benchmark model for Chinese enterprises going global [3][8] Group 2: Technology Finance Empowerment - The company focuses on the needs of technology enterprises by forming specialized service teams that provide around-the-clock insurance services, addressing insurance support challenges across different legal environments globally [4][9] - In 2025, the service model was upgraded to create a new "health management + insurance service" model, linking technology companies with insurance providers [4][9] - The company has provided health protection for hundreds of thousands of employees in leading technology firms globally, including a specific insurance policy worth 10 million yuan for a drone company [4][9] Group 3: Low Altitude Economy Development - As a pioneer in the low-altitude economy, the company has been at the forefront of industry development, assisting in drafting regulations for unmanned aerial vehicles and developing the first national model clauses for third-party liability insurance for these vehicles [5][10] - The company has created an innovative "insurance + after-sales" service system in collaboration with private drone manufacturers, providing risk coverage for nearly 5,000 operators and over 100 billion yuan in total risk coverage [5][10] - In 2025, the company established a dedicated low-altitude economy business department to continue empowering the insurance ecosystem for the industry [5][10]

Core Insights - S&P Global Market Intelligence released the 2025 global Top 50 property and casualty insurance companies list based on 2024 premium and insurance revenue, with five Chinese companies making the list, including China Life Insurance, which is the only Chinese company in the global top ten [1][2] Summary by Category Chinese Companies Performance - China Life Insurance ranked 6th globally with a premium of $67.67 billion, showing a year-on-year growth of 6.1% [1][2] - Ping An Insurance ranked 12th globally with a premium of $45.62 billion, reflecting a year-on-year growth of 4.7% [1][2] - China Pacific Insurance ranked 25th globally with a premium of $26.97 billion, achieving the highest year-on-year growth of 8.1% among the five Chinese companies [1][2] - China Life Property & Casualty ranked 36th globally with a premium of $15.23 billion, with a year-on-year growth of 5.9% [1][2] - China Reinsurance ranked 42nd globally with a premium of $12.92 billion, showing a year-on-year growth of 3.4% [1][2] Global Distribution of Companies - The United States had 19 companies in the top 50, the only region with a double-digit representation [1][2] - Mainland China ranked second with five companies on the list [1][2] - Switzerland, Japan, and Bermuda each had three companies represented [1][2] - The UK, France, Canada, Australia, South Korea, and Germany each had two companies in the rankings [1][2]