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]

截至8月6日，已披露2025年二季度偿付能力报告的135家非上市险企合计净利润约380亿元，同比实现翻 倍。其中，59家人身险公司合计净利润同比增长超2倍，76家财产险公司合计净利润同比增长约七成。 分析来看，取得良好业绩可归结为资产和负债两端同步改善：资产端受益于资本市场向好，投资收益增 厚；负债端得益于"报行合一"等政策压降费用成本。市场人士认为，资负两端共振向好，有望带动上市 险企业绩整体实现较快增长，新业务价值、综合成本率等核心业务指标也有望得到改善。 非上市险企业绩整体回暖 上半年，人身险业和财产险业非上市公司业绩整体回暖。 135家非上市险企上半年盈利情况 （截至8月6日） 郭晨凯 制图 ◎记者 何奎 今年上半年，非上市险企整体业绩亮眼。 上市险企整体业绩有望增长 非上市险企业绩整体实现较快增长，传递出保险行业整体回暖的积极信号。市场人士认为，在资产和负 债两端共振向好背景下，上市险企整体业绩也有望实现较快增长。 广发证券研报认为：寿险业方面，资负联动有望扩大行业利润水平；财险业方面，保费增速回暖， COR（综合成本率）改善，赔付率有望在高基数下改善，费用率持续优化。 数据显示，59家人身险公司合 ...

135家非上市险企上半年盈利情况 （截至8月6日） 郭晨凯 制图 ◎记者 何奎 今年上半年，非上市险企整体业绩亮眼。 截至8月6日，已披露2025年二季度偿付能力报告的135家非上市险企合计净利润约380亿元，同比实现翻 倍。其中，59家人身险公司合计净利润同比增长超2倍，76家财产险公司合计净利润同比增长约七成。 分析来看，取得良好业绩可归结为资产和负债两端同步改善：资产端受益于资本市场向好，投资收益增 厚；负债端得益于"报行合一"等政策压降费用成本。市场人士认为，资负两端共振向好，有望带动上市 险企业绩整体实现较快增长，新业务价值、综合成本率等核心业务指标也有望得到改善。 非上市险企业绩整体回暖 上半年，人身险业和财产险业非上市公司业绩整体回暖。 数据显示，59家人身险公司合计实现净利润约290亿元，同比增长超2倍；76家财产险公司合计实现净利 润超90亿元，同比增长约七成。 从盈利机构数量来看，人身险业有38家公司实现盈利，占比超六成；财产险业有68家公司实现盈利，占 比约九成。人身险业和财产险业盈利公司数量均较去年同期明显增长。 对外经济贸易大学创新与风险管理研究中心副主任龙格表示，上半年权益市场反弹 ...

整体来看，上半年保费收入持续向好。其中，人身险业累计保费同比自4月转正后继续保持正增长，财 产险业则保持稳健增长。在业内人士看来，一方面，利率下行背景下，各大险企中分红险产品的占比有 望持续提升，产品结构不断改善，潜在利差损压力有望得到缓解。另一方面，随着非车险"报行合一"有 序推进，下半年，财产险业的承保盈利、风控水平和服务质量有望显著改善。 受多重因素影响，今年上半年，保险业继续保持增长势头，人身险业和财产险业发展状态良好。金融监 管总局最新发布的数据显示，今年前6个月，保险业原保险保费收入合计达3.74万亿元，较2024年同期 增长5.31%；赔付支出达1.35万亿元，同比增长9.41%。 民生证券研究院非银金融首席分析师张凯烽表示，整体来看，上半年保费收入持续向好，人身险业累计 保费同比自4月转正后继续保持正增长，财产险业则保持稳健增长。 人身险业保费保持高增长 数据显示，今年前6个月，人身险业原保险保费收入2.96万亿元，同比增长5.64%。其中，6月单月人身 险业原保费收入4908亿元，同比增长16.3%，环比增长21.5%，延续5月16.6%的高增长势头。 从具体险种业务看，上半年，寿险业务原保 ...

Core Viewpoint - The article highlights the challenges faced by Chinese electric vehicle (EV) manufacturers in overseas markets, particularly regarding insurance services, and discusses recent advancements in providing insurance solutions for EVs in Thailand [1][4]. Group 1: Insurance Solutions for EVs - China Pacific Insurance (CPIC) has partnered with Mitsui Sumitomo Insurance and other domestic EV manufacturers to launch insurance services for EVs in Thailand, covering vehicle damage, third-party liability, and local mandatory insurance [2][4]. - The insurance model involves a "technology output + local service" approach, providing comprehensive risk protection for Chinese EV exports to Thailand [2][4]. - The first batch of insurance policies for EVs in Thailand marks a significant step in the internationalization of China's insurance services, addressing the insurance needs of EV manufacturers abroad [4][7]. Group 2: Market Growth and Challenges - In the first half of the year, China's automobile exports reached 3.083 million units, a 10.4% increase year-on-year, with EV exports growing by 75.2% to 1.06 million units [2]. - High insurance premiums for EVs compared to traditional vehicles have been reported in markets like Australia and the UK, affecting consumer enthusiasm for purchasing EVs [2][3]. - The lack of pricing experience among local insurers in Thailand has led to higher premiums for EVs, which may deter potential buyers [3]. Group 3: Strategic Importance of Overseas Expansion - The insurance industry is increasingly focusing on providing insurance solutions for the growing number of Chinese EVs entering international markets, driven by the need for comprehensive risk management [5][7]. - Domestic insurance companies are exploring overseas markets as a strategic response to slowing growth and increasing competition in the domestic market [7]. - The integration of insurance services with the export of EVs is seen as essential for creating a complete industry chain, enhancing the competitiveness of Chinese brands abroad [5][7]. Group 4: Future Prospects and Innovations - Industry experts express optimism about the future of EV insurance "going abroad," viewing it as a natural extension of China's EV industry advantages [7]. - The establishment of local operational capabilities and service networks is identified as a critical challenge for insurance companies expanding into overseas markets [9]. - Collaborative efforts between EV manufacturers and insurance providers are essential for building a comprehensive service network to enhance market penetration [9].

该行预计中国太保上半年除税后净利润同比增长8%，意味着第二季同比跃升31%，相信是由于股票市 场表现改善及利率急速下降导致债券价值增加。就税后经营利润而言，预估上半年同比增长6%，相较 于首季可能略为加快。净资产值方面，该行估计上半年较去年年底降3.2%，按季则升7%。根据该公司 对今年税后经营利润的指引，该行估计股息同比增3%至1.11元人民币。 瑞银发布研报称，包括中国太保（601601）(02601)在内的国企保险公司，很有可能在市场动荡的情况 下提出回购，以显示稳定资本市场的承诺。该行上调中国太保今明两年的除税后净利润预测11%和 4%，目标价由33港元升至37港元，维持"买入"评级。 ...

智通财经APP获悉，瑞银发布研报称，包括中国太保(02601)在内的国企保险公司，很有可能在市场动荡 的情况下提出回购，以显示稳定资本市场的承诺。该行上调中国太保今明两年的除税后净利润预测11% 和4%，目标价由33港元升至37港元，维持"买入"评级。 该行预计中国太保上半年除税后净利润同比增长8%，意味着第二季同比跃升31%，相信是由于股票市 场表现改善及利率急速下降导致债券价值增加。就税后经营利润而言，预估上半年同比增长6%，相较 于首季可能略为加快。净资产值方面，该行估计上半年较去年年底降3.2%，按季则升7%。根据该公司 对今年税后经营利润的指引，该行估计股息同比增3%至1.11元人民币。 ...

日前，华南农业大学党委书记李凤亮、汕尾市副市长周小壮一行在汕尾调研，中国太保产险汕尾中支携手华南农业大学引入的"航天宝"微生物菌剂技术得到 调研团队高度肯定。这种"以防为先"的农业保险创新模式，为汕尾金融支持乡村振兴开辟了新路径。 转自：新华财经 图为调研组了解"航天宝"技术应用 2023年初，中国太保产险汕尾中支为落实"保防救赔"一体化服务理念，创新提出"以防为先"的农险经营思路，与华南农业大学建立深度合作，率先在汕尾海 丰县试点"航天宝"微生物菌剂技术。近三年来在海丰、城区区域广泛应用试验，覆盖水稻、蔬菜、水果等主要农作物，该技术展现出显著的防灾减损、稳产 增产效果。 据了解，"航天宝"的核心是源自航天诱变的克里本类芽孢杆菌PS04，有助于提产提质、抗病防害、改良土壤。调研组高度肯定中国太保产险汕尾中支和华南 农业大学的合作，一致认为其是高校科技成果服务地方经济发展、实现产学研深度融合的成功典范，也是落实"保防救赔"农业保险一体化服务体系的具体实 践。同时，着重强调要加快扩大"航天宝"技术的示范效应和应用覆盖面，惠及更多农户；要依靠科技力量，牢牢掌握农业减灾主动权，全面提升防灾抗灾能 力。 "航天宝"新技 ...

Group 1 - The first "loan + insurance" climate loan in Sichuan was issued to a 10.5MW distributed photovoltaic power generation project in Guangyuan Economic and Technological Development Zone, amounting to 30 million yuan [1] - The "loan + insurance" product is a collaborative service model involving banks, meteorological services, and insurance companies, aimed at supporting the development of the real economy [1] - The project utilizes index insurance characteristics, where compensation is triggered automatically based on solar radiation levels, thus mitigating operational risks related to climate change [1] Group 2 - The Sichuan Climate Center evaluated the project based on meteorological disaster risk assessment results, wind and solar climate resources, and monitoring data to enhance the scientific accuracy of traditional credit assessments [2] - The loan interest rate is linked to the enterprise's evaluation results, allowing for potential reductions in rates as companies improve their scores, thereby enhancing their capacity to respond to climate change [2] - A strategic cooperation agreement was signed to deepen collaboration in other renewable energy sectors and industries affected by climate change, promoting innovative products that leverage the synergy between meteorology and finance [2]