9月份以来，我省持续出现连阴雨天气。如何最大化减少农民损失，保证农民种粮收益合理性？ 10月15日，国家金融监督管理总局在河南召开黄淮受灾地区农业保险理赔现场督导会，召集人保财险、 太保财险、平安财险、中原农险等保险总公司参会，推动各保险总公司向河南等受灾地区倾斜资源。河 南金融监管局持续督促保险机构开通理赔绿色通道，大力推行预赔付机制，对进展滞后公司开展督导约 谈，加速推进能赔快赔、应赔尽赔、合理预赔。 此外，我省多部门建立协同联动机制，财政部门加快保费补贴资金审核拨付；农业农村部门组织农业技 术专家提供定损指导、出具专业鉴定报告；金融监管部门督导理赔合规性，地方金融部门发挥统筹协调 作用，力争做到"资金有兜底、定损有依据、理赔有支撑、进度有保障"，形成工作闭环。 面对河南地区散户多、连阴雨导致查勘难度大等情况，各保险公司加大人力物力投入，强化科技赋能， 广泛应用卫星遥感、无人机等技术开展查勘定损。目前，全省保险业已出动查勘员2423人、农业专家 1295人，投入查勘车1190辆、无人机321架。各公司全面开通秋粮理赔绿色通道，执行24小时值班制 度，确保电话畅通。 10月17日，温县番田镇西留石村玉米地里 ...

本公司已于近日在深圳市市场监督管理局完成了注册资本变更登记和《公司章程》备案手续，本公司注 册资本变更为人民币18,107,641,995元。 本公司亦已向国家金融监督管理总局履行本次修订的事后报告程序，本次修订后的《公司章程》自向国 家金融监督管理总局履行报告程序之日即2025年10月20日起生效，其全文详见上海证券交易所网站 （www.sse.com.cn）。 特此公告。 证券代码：601318 证券简称：中国平安 编号：临2025-040 中国平安保险（集团）股份有限公司关于完成注册资本变更登记及公司章程修订的公告 中国平安保险（集团）股份有限公司（以下简称"本公司"或"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。 本公司已于2025年9月3日注销了根据2021年A股回购方案回购的102,592,612股A股股份（以下简称"本次 注销"），具体内容请见本公司分别于2025年3月20日、2025年5月14日和2025年9月3日在上海证券交易 所网站（www.sse.com.cn）披露的《中国平安保险（集团）股份有限公 ...

Core Insights - The continuous decline in deposit rates has led to a growing popularity of participating insurance products, which offer both guaranteed benefits and dividend distributions [1][3] - The disclosure of dividend realization rates for participating insurance products is nearing completion, with over 70 life insurance companies having reported their rates for 2024 [3][4] Summary by Sections Dividend Realization Rate - The dividend realization rate is a key indicator for consumers, reflecting the actual dividends distributed compared to the projected benefits at the time of sale [3][4] - The overall performance of dividend realization rates has improved compared to the previous year, with many products exceeding a realization rate of 100% [3][4] Regulatory Environment - The increase in dividend realization rates for 2024 is attributed to insurance companies actively managing their funds and achieving higher returns in a recovering capital market [4] - Regulatory changes have allowed for more flexible dividend settings, enhancing the potential for insurance companies to distribute dividends [5] Performance Variability - There is significant variability in dividend realization rates among different insurance companies and their products [7] - Leading companies like Xinhua Insurance and Ping An Life have reported numerous products with realization rates at or above 100%, while some smaller firms have struggled to achieve similar results [7][8] Product Comparison - Older products generally have lower realization rates (25%-50%), while newer products, which have lower projected rates, tend to show higher realization rates [8] - The realization rate is not a direct measure of absolute dividend amounts but rather a ratio reflecting the alignment of actual and projected dividends [9][10] Consumer Considerations - Consumers should consider the dividend realization rate as an important factor when selecting insurance products, but should also focus on the insurer's long-term stability, operational strength, and investment capabilities [10] - Historical data on dividend realization rates and the insurer's overall financial health are crucial for informed decision-making [10]

中国平安保险（集团）股份有限公司 （于中华人民共和国注册成立之股份有限公司） 章 程 （本章程根据《保险公司章程指引》、《上市公司章程指引》、《上海证券 交易所股票上市规则》（"《上证所上市规则》"）以及《香港联合交易所 有限公司证券上市规则》（"《联交所上市规则》"）等制定） -1- 中国平安保险（集团）股份有限公司 章程修改记录 | 作出章程修改决 | 序号 | | | 章程制定 | | | | | | | | 会议名称 | 监管机关的 | | 备注 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 议的时间 | | | | | | | | | | | | | 批准文件文号 | | | | 公司创立时股东签署 | 1 | | 章程制定 | | 1988 | 年 | 2 | 月 | | | | | 银复〔1988〕113 号 | | | | 第 | 2 | | 1 | 次修订 | 1989 | 年 | 5 | 月 | 25 | 日 | | 第一届董事会第三 ...

证券代码：601318 证券简称：中国平安 编号：临 2025-040 中国平安保险（集团）股份有限公司 关于完成注册资本变更登记及公司章程修订的公告 中国平安保险（集团）股份有限公司（以下简称"本公司"或"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。 本公司已于 2025 年 9 月 3 日注销了根据 2021 年 A 股回购方案回购的 102,592,612 股 A 股股份（以下简称"本次注销"），具体内容请见本公司分别于 2025 年 3 月 20 日、2025 年 5 月 14 日和 2025 年 9 月 3 日在上海证券交易所网站 （www.sse.com.cn）披露的《中国平安保险（集团）股份有限公司关于注销回购 A 股股份、减少注册资本并相应修订公司章程的公告》《中国平安保险（集团） 股份有限公司 2024 年年度股东会、2025 年第一次 A 股类别股东会及 2025 年第 一次 H 股类别股东会决议公告》和《中国平安保险（集团）股份有限公司关于 实施回购股份注销暨股本变动公告》。本次注销完成后，本公司相 ...

中國平安保險（集團）股份有限公司 （於中華人民共和國註冊成立之股份有限公司） 章 程 （本章程根據《保險公司章程指引》、《上市公司章程指引》、《上海證券 交易所股票上市規則》（「《上證所上市規則》」）以及《香港聯合交易所有 限公司證券上市規則》（「《聯交所上市規則》」）等制定） -1- 中國平安保險（集團）股份有限公司 章程修改記錄 | 作出章程修改決 | 監管機關的 | 序號 | 章程制定 | 會議名稱 | 備註 | 議的時間 | 批准文件文號 | | | | | | | | | | | | | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 章程制定 | 1988 | 年 | 2 | 月 | 公司創立時股東簽署 | 銀復〔1988〕113 | 號 | 1 | 第 | 1 | 次修訂 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 關於完成註冊資本變更及公司章程修訂的公告 兹提述(i)中國平安保險（集團）股份有限公司（「本公司」）日期為2021年8月26日有關回購A 股股份的公告；(ii)本公司日期為2022年8月29日有關回購公司A股股份實施結果的海外監管公告； (iii)本公司日期為2024年7月16日有關擬註銷已回購A股股份的公告；(iv)本公司日期為2025年3 月19日有關註銷已回購A股股份、減少註冊資本並修訂公司章程的公告；(v)本公司日期為2025 年5月13日有關2024年度股東週年大會、2025年第一次A股類別股東會及2025年第一次H股類別 股東會的投票結果的公告；(vi)本公司日期為2025年5月13日有關註銷回購股份並減少註冊資本 通知債權人的海外監管公告；(vii)本公司日期為2025年9月2日有關實施已回購A股股份註銷暨股 本變動的公告；及(viii)本公司日期為2025年9月3日的翌日披露報表。本公司 ...

从资金流向上来看，当日保险板块主力资金净流入3.68亿元，游资资金净流出1.43亿元，散户资金净流出 2.25亿元。保险板块个股资金流向见下表： 证券之星消息，10月20日保险板块较上一交易日上涨2.15%，中国人寿领涨。当日上证指数报收于 3863.89，上涨0.63%。深证成指报收于12813.21，上涨0.98%。保险板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 601628 | 中国人寿 | 42.50 | 4.14% | 51.49万 | 21.94亿 | | 601318 | 中国平安 | 57.90 | 1.08% | 52.67万 | 30.58亿 | | 601601 | 中国太保 | 37.07 | 0.87% | 30.88万 | 11.49 亿 | | 61319 | 中国人保 | 8.55 | 0.59% | 106.16万 | 9.09亿 | | 601336 | 新华保险 | 67.26 | 0.45% | 29.48万 | 19.88 G ...

Core Insights - The development of inclusive insurance in China is being positively influenced by national policies, but it still faces challenges such as structural mismatches between supply and demand, insufficient commercial sustainability, and adaptability issues in service capabilities [2][4] Group 1: Industry Challenges - Inclusive insurance is in its early stages, with a significant gap between risk demand and supply, estimated at 5.8 trillion yuan, indicating that about 62% of the risk demand remains unmet [4] - The target groups for inclusive insurance often have weak insurance awareness, small asset scales, and low risk resistance capabilities, leading to inadequate risk protection [4] Group 2: Company Initiatives - Ping An Property & Casualty Insurance has provided insurance coverage for 1.61 million small and micro enterprises, amounting to 189 trillion yuan, and has developed over 8,200 products tailored to various industries [2] - The company aims to enhance product pricing models and leverage technology to reduce operational costs, thereby improving the management of insurance services [2][3] Group 3: Recommendations for Development - It is suggested to enhance overall protection levels for inclusive groups through policy guidance, particularly in high-risk sectors like manufacturing and transportation [4] - The establishment of industry-standard insurance clauses for small and micro enterprises is recommended to address the complexity and accessibility issues in purchasing insurance [5]

Core Viewpoint - The insurance industry is showing positive performance as several listed insurance companies have reported significant profit increases for the first three quarters of 2025, with net profit growth rates exceeding 40% for major players like China Life Insurance, which leads with a growth forecast of 50%-70% [1][2] Financial Performance - China Life Insurance expects a net profit of approximately 156.79 billion to 177.69 billion yuan for the first three quarters of 2025, representing a year-on-year increase of about 50% to 70% [2] - New China Life Insurance anticipates a net profit of 29.99 billion to 34.12 billion yuan, with a year-on-year growth of 45% to 65% [2] - PICC Property and Casualty has indicated a net profit growth of 40% to 60% for the same period, continuing the positive trend from the first half of the year [2] Investment Performance - The strong performance of equity investments has been a key driver of net profit growth for the insurance companies, supported by stable operations and structural optimization on the liability side [3] - The A-share market has shown a recovery, with the CSI 300 index rising by 12.88%, creating a favorable environment for equity investments [3] - China Life Insurance has focused on enhancing investment portfolio stability and long-term returns through strategic asset allocation and increased equity investments [3] Market Trends - The insurance sector is experiencing a shift towards floating income products, with China Life's individual insurance channel seeing over 50% of new premium income coming from dividend insurance [5] - The overall premium income for major insurers has shown growth, with China Life's total premium reaching 525.09 billion yuan in the first half of 2025, a 7.3% year-on-year increase [4][5] Regulatory Support - Policies encouraging insurance funds to invest in the stock market have been implemented, with a target for large state-owned insurance companies to allocate 30% of new premiums to A-share investments starting in 2025 [7] - By the end of Q2 2025, the balance of investments in stocks by life insurance companies reached 2.87 trillion yuan, marking a significant increase from previous quarters [8] Future Outlook - Analysts are optimistic about the insurance sector's performance, expecting continued profit growth driven by improved investment returns and favorable market conditions [6] - The combination of strong equity market performance and regulatory support is anticipated to lead to a recovery in insurance stock valuations [6][7]