1 锚定国家战略，以全周期服务筑牢养老健康民生保障防线 南都·湾财社：在"十五五"规划强调高质量发展与风险防控的背景下，您认为保险行业如何更好地服务 国家战略与社会民生？阳光保险在养老金融、健康保障等方面有哪些新布局？ 2026年是"十五五"规划开局之年，也是中国经济迈向高质量发展的关键节点。在消费升级、科技赋能、 人口结构变迁等多重趋势交织下，保险行业正迎来新一轮的转型与机遇。 值此开年之际，南都·湾财社发起《开局2026：在新周期起点上》专题策划，本期专访阳光保险集团总 经理助理李伟，围绕保险业如何服务国家战略、回应民生需求、布局新赛道等议题，探讨保险业在新周 期中的角色与路径。李伟表示，"十五五"是我国保险业高质量发展的黄金机遇期，行业应重点做好三件 事：一是聚焦服务实体经济，深度融入国家发展大局；二是积极应对人口老龄化挑战，筑牢民生保障底 线；三是拥抱科技变革，提升服务能级。他强调，在未来的保险市场图景中，保险将更广泛地嵌入场 景、更智慧地管理风险、更温暖地体现关怀。 李伟："十五五"是我国全面建设社会主义现代化国家新征程的关键阶段，是我国迈向中等发达国家的关 键五年，也是保险业高质量发展的黄金机遇期 ...

Core Insights - The insurance industry is entering a new transformation and opportunity phase in 2026, coinciding with the start of the "14th Five-Year Plan" and the shift towards high-quality economic development in China [2][3] Group 1: Industry Focus Areas - The insurance industry should focus on three key areas: integrating deeply with the national development strategy, addressing the challenges of an aging population, and embracing technological changes to enhance service capabilities [4][5] - The aging population in China has reached 320 million aged 60 and above, with 220 million aged 65 and above, indicating a growing demand for diversified and personalized health and retirement products [5][6] Group 2: Product and Service Innovations - The company is innovating its product offerings to meet the diverse needs of the elderly, including a comprehensive "Beautiful Life" product system aimed at providing multi-layered and personalized retirement and health insurance solutions [6][7] - The company is developing a full-cycle health service ecosystem that includes disease insurance, nursing insurance, and high-end medical insurance, addressing the entire health management process from prevention to rehabilitation [6][8] Group 3: New Market Opportunities - The insurance industry is witnessing a shift towards inclusive, green, and personalized insurance products, driven by consumer demand for quality, sustainability, and individual value realization [7][9] - The company is enhancing its inclusive insurance offerings to support small businesses, low-income groups, and other key demographics, while also expanding its green insurance products to support environmental sustainability initiatives [8][9] Group 4: Investment Strategies - The company emphasizes long-term value through stable asset allocation and risk management strategies, focusing on supporting the real economy and participating in major project investments [11][12] - The investment strategy includes a focus on high-dividend value stocks in essential industries and a significant allocation to long-term government bonds to enhance risk resilience [12][13] Group 5: Risk Management Approaches - The company prioritizes a robust risk management framework that incorporates diverse asset allocation, strict monitoring mechanisms, and advanced technology to enhance risk identification and management [13]

2025年12月29日，这1亿股股权首次在阿里资产平台公开拍卖，起拍价定为5.5134亿元，但最终因无人 出价而流拍。鉴于首次拍卖结果，南宁市中级人民法院于2026年1月启动二次拍卖，起拍价大幅下调 20%至4.41亿元，最终由首源欣荣以起拍价成功竞得。 买方首源欣荣的身份同样是本次交易的焦点。天眼查信息显示，首源欣荣是港股上市公司首程控股的全 资子公司，而首程控股与阳光保险存在紧密资本关联，阳光保险正是首程控股的战略股东之一，因此本 次交易构成典型的关联方接盘。 值得一提的是，此次拍卖标的为阳光保险境外上市前的未上市内资股，虽与H股同股同权、共享分红， 但流动性受限，无法在港股直接交易。以1月15日阳光保险港股收盘价4.18港元/股折合人民币3.73元计 算，此次成交价每股4.41元，溢价率达18%。中国企业资本联盟副理事长柏文喜在接受媒体采访时表 示，首程控股通过司法拍卖一次性受让股权，可避免二级市场增持带来的价格扰动，且市场对阳光保险 内资股全流通存在预期，这也构成了此次交易的结构性溢价基础。 行业估值分化加剧，中小险企股权处置遇冷 阿里资产司法拍卖网络平台信息显示，近日，广西远辰投资集团有限公司（以下 ...

Core Insights - The integration of AI in the insurance industry is transforming traditional practices, enhancing service paradigms, and reinforcing the core values of protection and commitment [1] - Sunshine Insurance has implemented advanced AI capabilities to address business pain points, creating intelligent solutions that improve customer service and operational efficiency [1] Group 1: AI in Claims Processing - The introduction of the "AI Claims Assistant" addresses customer anxiety during the claims process by establishing a dedicated service group within 7 seconds of reporting, alleviating waiting concerns [2] - The AI system enhances efficiency in the claims assessment phase, with a reported 20% improvement in claims processing time since its launch [2] - The proactive service approach not only boosts efficiency but also provides customers with a sense of care and reassurance [2] Group 2: AI Empowerment for Employees - Sunshine Insurance has launched five AI "employees" to alleviate the burden of data processing and routine tasks, allowing professionals to focus on high-value work [3] - The AI Customer Management Assistant generates personalized plans in minutes, having completed nearly 110,000 precise demand matches since its introduction [3] - The AI tools have collectively freed up approximately 30,000 work hours, enabling employees to engage in more complex decision-making and emotional connections [4] Group 3: AI Programming Assistant - The "Ivy Plus" AI programming assistant has achieved a significant breakthrough in data modeling, increasing code adoption rates from 20% to 70% by understanding complex insurance logic [5] - This development stems from a commitment to integrating business understanding with technology, enhancing the effectiveness of AI in the insurance sector [5] Group 4: Overall Impact of AI Innovations - The successful implementation of AI solutions at Sunshine Insurance illustrates a clear technological development path focused on genuine user needs and business pain points [6] - The overarching goal of these innovations is to ensure that technology serves, warms, and empowers people, reinforcing the importance of human-centric service in the insurance industry [6]

Core Insights - The article emphasizes the importance of integrating technology and culture in the digital transformation of the insurance industry, particularly highlighting Sunshine Insurance Group's unique approach to leveraging technology for business evolution [1][21]. Strategic Foundation - Sunshine Insurance has established a strong technological foundation since its inception in 2005, focusing on building a high-quality autonomous technology team to empower the insurance sector [2]. - The company's long-term strategy has gradually yielded significant results, showcasing the power of sustained technological investment [2]. Transition from Tools to Ecosystem - In 2005, amidst low industry information levels, Sunshine Insurance proactively built an autonomous technology team, laying a solid technical foundation for future digital transformation [3]. - By 2015, the company launched the "Data Sunshine" strategy, forming a big data team to enhance data governance and application, which has since evolved into a strategic driver for business decisions [3]. - The strategic upgrade to "Technology Sunshine, Value Sunshine, Heartfelt Sunshine" marked a shift in the company's technological role from mere business support to strategic leadership [3]. Cultural, Organizational, and Resource Integration - Sunshine Insurance has developed a comprehensive strategic support system that ensures the penetration of technology strategy throughout the organization [5]. - The company has redefined its technological culture, promoting a vision of becoming an intelligent enterprise and fostering a collaborative environment between technology and business personnel [5][12]. - A resource allocation strategy has been implemented to optimize foundational investments while increasing funding for innovative projects, ensuring effective technology deployment [6]. Team Development and Growth - Over two decades, Sunshine Insurance has cultivated a stable and professional core technology team that understands both business logic and organizational culture [7]. - The company's practice of "same eating, same living, same labor" has transformed technology personnel into active participants in business processes, enhancing their engagement and recognition [7][12]. Core Practices: Data Intelligence and "Three Same" Culture - The integration of data intelligence and the "Three Same" culture has enabled Sunshine Insurance to address practical challenges in technology implementation and organizational collaboration [8]. - The company has developed a unique "one rule, three data" architecture for data engineering, creating a closed-loop system that maximizes data value [9]. Technological Innovations and Applications - Sunshine Insurance has launched various technology products across sales, service, and management, demonstrating the tangible benefits of technology in enhancing customer satisfaction and operational efficiency [15][16]. - The AI claims assistant and AI small report maker are examples of how technology has been tailored to meet specific business needs, improving service delivery and operational efficiency [13][17]. Future Outlook - The vision for Sunshine Insurance is to become a fully intelligent enterprise, integrating smart technology and data across all business functions [19]. - The company aims to deepen the integration of business and technology, fostering an "AI-native" organizational culture that encourages innovative problem-solving [20].

Core Viewpoint - The National Financial Supervision Administration's Baoji Regulatory Bureau has approved the relocation of Sunshine Property Insurance Co., Ltd.'s Qishan branch to a new address in Baoji City, Shaanxi Province [1] Group 1 - Sunshine Property Insurance Co., Ltd. has received approval to change the business location of its Qishan branch to Room 201, 2nd Floor, Building 2, Electric Garden Community, Weibei West Road, Caijiapo Town, Qishan County, Baoji City, Shaanxi Province [1] - The company is required to handle the relocation and license renewal procedures in accordance with relevant regulations [1]

Group 1 - The auction of 100 million shares of Sunshine Insurance Group (06963.HK) held by Guangxi Yuancheng Investment Group has concluded, with Beijing Shouyuan Xinrong Investment Co., a wholly-owned subsidiary of Shoucheng Holdings (00697.HK), winning the bid at a price of 441.07 million yuan [1] - The shares auctioned are not ordinary H-shares but "unlisted domestic shares" held by domestic shareholders before the overseas listing, which cannot be traded on the Hong Kong stock market [1] - Since 2018, Shoucheng Holdings has been continuously introducing strategic investors, and in 2023, Sunshine Insurance Group was brought in as an investor [1] Group 2 - The major shareholders of Shoucheng Holdings include Shougang Group, Orix Group, Beijing State-owned Capital Operation Management Center, and Sunshine Insurance Group [1] - Shoucheng Holdings has established a close partnership with Sunshine Insurance Group, including the joint establishment of the Beijing Shoucheng Urban Development Infrastructure Investment Fund, with a total scale of 10 billion yuan [1] - The issuance price of Sunshine Insurance Group was 5.83 HKD per share, and as of January 19, 2026, its closing price was 4.19 HKD per share [1]

Group 1 - The company initiated an emergency response plan immediately after the explosion incident at Baotou Steel Plate Factory, focusing on insurance claims and rescue support [1] - A rapid claims service channel was opened, and a response team was established to handle claims efficiently [2] - The company is actively seeking out clients affected by the incident to provide assistance and support [3] Group 2 - A 24/7 claims hotline (95510) and a WeChat mini-program were launched to facilitate round-the-clock claim reporting [3] - The company offers a no-policy claims service for clients affected by the incident, allowing them to claim without a policy document [3] - The claims application process has been simplified, with the company waiving the requirement for death certificates for clients identified through public announcements [4] Group 3 - The company has removed restrictions on hospitals for emergency treatment, allowing clients to seek care at any hospital needed [5]

Core Viewpoint - The auction of 100 million shares of Sunshine Insurance by Guangxi Yuancheng Investment Group concluded successfully, with Beijing Shouyuan Xinrong Investment winning the bid at a price of 441.07 million yuan, indicating continued interest in quality insurance assets despite recent trends of unsold shares in the sector [1][2][4]. Group 1: Auction Details - Guangxi Yuancheng Investment Group's shares of Sunshine Insurance were initially set to auction at a starting price of 551.34 million yuan but went unsold due to lack of bids [2]. - The starting price was subsequently reduced to 441.07 million yuan, approximately 80% of the original price, which attracted bidders [2]. - Beijing Shouyuan Xinrong Investment, a wholly-owned subsidiary of Hong Kong-listed Shoucheng Holdings, successfully acquired the shares [1][2]. Group 2: Company Background - Shoucheng Holdings focuses on asset operation and financing, having attracted strategic investors since 2018, including Sunshine Insurance Group in 2023 [3]. - The company has a diverse investment portfolio, including sectors like automotive and robotics, and has established a 10 billion yuan infrastructure investment fund in collaboration with Sunshine Insurance [3]. Group 3: Financial Performance - Sunshine Insurance reported total premium income of 108.74 billion yuan, 118.91 billion yuan, and 128.38 billion yuan from 2022 to 2024, with net profits of 4.628 billion yuan, 3.866 billion yuan, and 5.54 billion yuan respectively [5]. - The company’s stock price has been under pressure since its listing at 5.83 HKD, closing at 4.11 HKD on January 16 [5]. - Sunshine Insurance has maintained a consistent dividend payout, with dividends per share of 0.199824 HKD in 2022, 0.1978 HKD in 2023, and 0.207747 HKD in 2024 [5]. Group 4: Market Sentiment - The successful auction of Sunshine Insurance shares reflects ongoing investor interest in quality insurance companies, which are characterized by sound governance and clear business models [4]. - Other companies, such as Seven Wolves, have also shown interest in increasing their stakes in Sunshine Insurance, indicating a broader market trend towards high-dividend, fully licensed insurance entities [6].

Core Viewpoint - Sunshine Insurance has officially inaugurated the Yangguang Insurance Boai School in Nanzheng District, Hanzhong City, marking the addition of the 78th Boai School in its nationwide initiative to improve rural education conditions [1] Group 1: Contributions to Education - Sunshine Insurance donated 200,000 RMB to the Xishen Nine-Year School, specifically for updating teaching hardware and improving the learning environment [3] - The donation also included sports and educational supplies worth 20,000 RMB, aimed at enriching students' extracurricular activities and supporting their overall development [3] - The Xishen Nine-Year School, established in 1938, serves children from five surrounding villages, with 34% of its students being left-behind children [3] Group 2: Infrastructure Improvement - The school faces significant infrastructure challenges, including damaged desks and outdated computer equipment, which hinder modern educational needs [3] - The funds will be used to replace broken desks and chairs, and to update old computer equipment, providing students with access to digital learning resources [3] Group 3: Historical Significance and Social Responsibility - The Xishen School has a rich history as a revolutionary site during the Sichuan-Shanxi Revolutionary Base period, highlighting its cultural importance [5] - Sunshine Insurance's support aligns with national calls for rural revitalization and reflects its commitment to corporate social responsibility in education [5] - The "Sunshine Star Love Program," part of the Boai School initiative, has established a sustainable philanthropic ecosystem through monthly donations from members and matching contributions from Sunshine Life [5] Group 4: Future Commitment - Sunshine Insurance aims to continue its mission of spreading "more sunshine" by actively fulfilling its social responsibilities and promoting its cultural values of "love and responsibility" [5]