Group 1 - The increasing frequency of natural disasters highlights the importance of catastrophe insurance, with the insurance industry having paid out over 150 billion yuan for flood, typhoon, and earthquake damages [2] - Ping An Property & Casualty has launched the "Ping An Typhoon Risk Map" and "Ping An Typhoon Catastrophe Model" to explore scientific prevention and control of typhoon disasters [2] - The "Ping An Typhoon Risk Map" consists of three digital maps that quantify typhoon risks based on historical data and advanced AI algorithms, providing a basis for underwriting decisions and tailored risk advice [2] Group 2 - The "Ping An Typhoon Catastrophe Model" estimates the probability and potential losses from typhoon disasters, supporting catastrophe insurance pricing and covering various applications such as loss assessment and catastrophe pricing [2] - In the first half of 2025, Ping An Property & Casualty's "Eagle Eye System" issued warnings for 259,000 disasters, sending out 4.26 billion warning messages, covering 64.02 million enterprises and individual clients [3] - The company is establishing five emergency material warehouses across key regions in China to provide emergency supplies and ensure a 100% response to major disasters, covering the entire disaster management process [3]

Core Viewpoint - The article highlights the proactive measures taken by financial institutions in Shandong Province to support farmers during the critical autumn harvest season, particularly in response to adverse weather conditions that have affected crop yields [1][3][14]. Financial Support and Risk Mitigation - Financial institutions are increasing disaster reduction funding and providing specialized financial products to support farmers in their autumn harvest and planting efforts [1][3][12]. - Insurance companies are utilizing technology such as drones and remote sensing to enhance damage assessment efficiency and expedite claims processing [14][15][17]. - The Shandong Provincial Financial Office has organized local financial systems to provide efficient services and support for autumn grain harvesting [3][12]. Agricultural Operations and Equipment - Various financial institutions are coordinating the use of agricultural machinery, such as tracked harvesters and mobile dryers, to assist in the timely harvesting and drying of crops [3][4][7]. - Specific initiatives include the establishment of agricultural machinery reserves and the donation of equipment to enhance drainage capabilities in affected areas [8][4]. Credit and Loan Initiatives - Agricultural banks have been actively providing loans to grain customers, with a reported total of 120.68 billion yuan in loans issued to 11,300 clients this year [11][13]. - The Industrial and Commercial Bank of China has introduced over 40 specialized financing products to meet the diverse needs of farmers during the autumn harvest [12][13]. Technology in Insurance and Claims Processing - Insurance companies are employing drones and remote sensing technology to quickly assess crop damage, with some companies reporting a 50% reduction in the time required for damage assessments [14][15]. - The use of a "green channel" for claims processing has been established to ensure rapid compensation for farmers, with some claims being paid within 24 hours of assessment [14][17]. Community and Volunteer Support - Insurance company volunteers are actively assisting farmers in harvesting crops, demonstrating a community-oriented approach to support during challenging weather conditions [5][7]. - Local financial institutions are also engaging in community outreach to ensure that farmers are aware of available resources and support [11][12].

Core Viewpoint - China Ping An announced a cash dividend of RMB 0.95 per share for the first half of 2025, with key dates for shareholders outlined [2] Summary by Relevant Sections - **Dividend Announcement** - The company will distribute a cash dividend of RMB 0.95 per share (tax included) for the first half of 2025 [2] - The record date for shareholders is set for October 23, 2025 [2] - The ex-dividend date and the date of cash dividend payment are both scheduled for October 24, 2025 [2]

10月15日，上海一家保险资管机构人士告诉《华夏时报》记者，在全球地缘政治变化、美债信用降低以 及央行一致购金的多重因素共振下，黄金的避险保值抗通胀功能在今年得到淋漓尽致的展现，而金融监 管机构放行国内险资持有黄金的政策无疑正当其时。 本报（chinatimes.net.cn）记者胡金华 上海报道 站在4200美元/盎司的高点上回望，今年3月国内险企在3000美元下场购金，又一次精准踩中时点。 10月16日，纽约COMEX黄金实时报4238.2美元/盎司上方，最高上涨至4255.4美元，屡创历史新高，同 时现货黄金价格也站上4200美元关口；国内金价方面，上海金交所当日收盘报967.36元/克。今年3月25 日，中国平安、中国人寿、中国太保以及中国人保四家保险巨头分别发布消息，称各自于当日完成在上 海金交所以及银行间市场的定价交易，彼时国际金价在3000美元区间震荡。以此测算，险资巨头们首笔 黄金投资，半年多时间浮盈已达40%。 "对于黄金资产的配置，我们响应监管号召和险资自身配置需求，3月以来公司相关部门及研究人员也一 直对国际金价实施监测和展望，应该说当前保险资金对于黄金在保险资产组合中的地位前所未有的重 ...

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。 承董事會命 盛瑞生 公司秘書 海外監管公告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第 13.10B 條而作出。 茲載列中國平安保險（集團）股份有限公司在上海證券交易所網站刊登的「中國平安保 險（集團）股份有限公司 2025 年半年度權益分派實施公告」，僅供參閱。 中國深圳，2025年10月16日 於本公告日期，本公司的執行董事為馬明哲、謝永林、郭曉濤、付欣及蔡方方；非執行 董事為謝吉人、楊小平、何建鋒及蔡潯；獨立非執行董事為吳港平、金李、王廣謙、洪 小源、宋獻中及陳曉峰。 证券代码：601318 证券简称：中国平安 公告编号：2025-039 中国平安保险（集团）股份有限公司 2025 年半年度权益分派实施公告 中国平安保险（集团）股份有限公司（以下简称"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。 ...

证券代码：601318 证券简称：中国平安 公告编号：2025-039 中国平安保险（集团）股份有限公司 2025年半年度权益分派实施公告 中国平安保险（集团）股份有限公司（以下简称"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。 重要内容提示： 每股分配比例 2. 分派对象： 截至 A 股股权登记日 2025 年 10 月 23 日下午上海证券交易所收市后，在中国证券登记结 算有限责任公司上海分公司登记在册的本公司 A 股股东。 每股派发现金红利人民币0.95元（含税） 相关日期 | 股份类别 | 股权登记日 | 最后交易日 | 除权（息）日 | 现金红利发放日 | | --- | --- | --- | --- | --- | | Ａ股 | 2025/10/23 | － | 2025/10/24 | 2025/10/24 | 差异化分红送转： 否 一、 通过分配方案的股东会届次和日期 根据《中国平安保险（集团）股份有限公司章程》规定，本公司 2025 年半年度分红派息 实施方案（以下简称"本次分红派息"）经本公司20 ...

格隆汇10月16日丨中国平安(601318.SH)发布2025年半年度权益分派实施公告，本次利润分配以方案实 施前的公司总股本181.08亿股为基数，每股派发现金红利人民币0.95元（含税），共计派发现金红利人 民币172.02亿元。其中，本公司A股股本为106.60亿股，A 股共计派发现金红利人民币101.27亿元。 股权登记日2025年10月23日，现金红利发放日2025年10月24日。 ...

根据《中国平安保险（集团）股份有限公司章程》规定，本公司2025年半年度分红派息实施方案经本公 司2025年8月26日召开的第十三届董事会第十次会议审议通过。本次利润分配以方案实施前的公司总股 本18,107,641,995股为基数，每股派发现金红利人民币0.95元（含税），共计派发现金红利人民币 17,202,259,895.25元。其中，本公司A股股本为10,660,065,083股，A股共计派发现金红利人民币 10,127,061,828.85元。 ...

Core Viewpoint - The recent adjustment in the regulatory responsibilities of insurance institutions in China indicates a shift towards localized supervision, with a significant increase in the number of insurance entities under local regulatory bodies, while the Financial Regulatory Authority focuses primarily on insurance groups and their subsidiaries [1][2][3]. Group 1: Regulatory Changes - As of June 30, 2025, the number of insurance entities regulated by the Financial Regulatory Authority decreased from 116 to 65, primarily focusing on insurance groups and their subsidiaries [2]. - The adjustment reflects a broader trend of localizing regulatory responsibilities, with local regulatory bodies now overseeing a larger number of insurance institutions [4][5]. - The Financial Regulatory Authority convened a special meeting with local regulatory agencies to discuss these changes [1]. Group 2: Impact on Local Regulatory Bodies - Local regulatory bodies, particularly in major cities like Beijing and Shanghai, have seen a significant increase in the number of insurance entities they oversee, with Beijing's count rising from 24 to 39 and Shanghai's from 24 to 36 [4][5]. - The increase in regulatory responsibilities has led to heightened pressure on local regulatory bodies, necessitating stronger management accountability from insurance company executives [5]. Group 3: Specific Changes in Insurance Institutions - The total number of insurance institutions listed as of June 30, 2025, is 238, a decrease of one from the end of 2024, with notable changes including the removal of Tianan Insurance and the addition of Suzhou Dongwu Insurance [6]. - Several types of insurance institutions, such as insurance asset management companies and health insurance companies, have shifted from being regulated by the Financial Regulatory Authority to local regulatory bodies [6][7]. - A total of 21 out of 35 insurance asset management companies have transitioned to local regulatory oversight, while 14 remain under the Financial Regulatory Authority [7].

智通财经APP获悉，国泰海通发布研报称，25Q3权益市场整体向好，叠加保险公司优化资产结构提升 权益资产配置，预计投资收益显著提振，预测25年前三季度上市险企净利润在2024年同期高增长基础上 继续同比大幅增长，且较25年半年度的利润增长进一步提速。25年1-8月寿险保费增长景气，预计得益 于上市险企把握定价利率下调前窗口期推动新单集中销售，银保渠道日益成为价值增长的重要贡献来 源。财险方面，预计车险综改持续深化以及非车险"报行合一"导向下行业保费增长逐步由追求规模、速 度向追求质量、效益转变。 国泰海通主要观点如下： 预计财险保费缓慢增长，巨灾赔付提升不改COR改善趋势 预计车险综改持续深化以及非车险"报行合一"导向下行业保费增长逐步由追求规模、速度向追求质量、 效益转变。受制于25Q3台风等自然灾害仍然频发，预计赔付率仍有一定压力，得益于风险减量持续显 效预计对COR负面影响相对有限；另一方面，得益于上市险企严格落实监管"报行合一"强化费用管控， 预计费用率持续改善。预计25年前三季度上市险企COR延续改善态势，分别为：中国财险(96.1%，同 比-2.1pt)、平安财险(96.6%，同比-1.2pt)、 ...