依托人工智能和大数据技术，中国平安对业务流程进行智能化改造，推动线上线下服务的深度协同，显 著减少客户等待时间，持续优化服务体验。通过精准的资产配置、积分互通和整体权益设计，有效降低 客户风险、节省客户成本，为客户创造更多实惠。 在医疗养老领域，平安集团深化"金融+医疗健康"战略布局，推动"平安家医"实现广泛覆盖，借助AI医 疗技术赋能全场景服务，并持续创新"保险+医疗"产品，助力客户实现全周期健康管理。 在科技浪潮奔涌向前的2025年，以人工智能为核心驱动的科技变革深度融入金融领域，成为推动行业变 革的核心力量。作为金融行业的领军者，中国平安敏锐捕捉时代脉搏，以"AI in All"战略为核心，重塑 金融服务的边界。 据中国平安半年报披露，中国平安打造领先AI能力，持续优化服务体验，平安拥有的数据库包括金融 库、医疗库、公司经营库等，其海量数据处于世界领先梯队，亦是AI创造价值的核心基础。通过平安 好医生、金融壹账通、平安科技持续拓展场景应用的深度和广度，赋能金融业务。2025年上半年，平安 大模型调用次数达8.18亿，多元场景应用数超650个。 "AI in all"战略领航，综合金融、医疗养老并行 在2 ...

"对平安来说，AI不是独立存在的一个板块，而是赋能业务产生增量的工具，它的价值必须在赋能深度 赋能金融、医疗、养老三大主业发展中体现出来。平安在金融产业AI的实践，重塑了价值创造的逻 辑，赋能核心业务实现体验优化、风险控制、成本降低，在推动自身高质量发展的同时，积极服务经济 社会高质量发展，对行业、社会、民生也有积极意义。"盛瑞生表示。 据盛瑞生介绍，目前，中国平安的"AI in All"已在各领域取得显著进展。在智能营销领域方面，数字人 及数字员工广泛应用于远程面审、培训陪练、客户服务、内容生成等场景，AI辅助工具月活跃使用率 近50%，显著提升代理人触访率；在智能服务方面，全集团每年超20亿人次客服由AI完成，占比80%以 上；在智能运营方面，车险智能化出单覆盖1.2亿单，超80%业务由AI端到端完成，单均耗时从过去的 5.7分钟降低至1.2分钟，效率提升近80%；而智能风控方面则通过AI挖掘多维度数据，构建数据图谱， 形成从宏观、中观到微观的全维度金融风险管理体系。 以下为演讲全文： "AI是培育金融新质生产力的必由之路，将深刻重塑金融行业生态格局。金融行业凭借数据密集、场景 多元的独特优势，成为AI技 ...

Ping An Insurance (Group) Company of China, Ltd. has introduced its landmark biodiversity initiative, “Ancient Tree Guardian Action,” at the 30th UNFCCC Conference of the Parties (COP 30) in Belém, Brazil.Ping An’s programne integrates insurance solutions, advanced technology, and community engagement to create a long-term system for preserving ancient and notable trees across China, showcasing the company’s leadership in climate action and biodiversity conservation.China is home to approximately 5.08 milli ...

Core Viewpoint - The conflict between Ping An Group and Huaxia Happiness has become public, highlighting governance issues and differing interests regarding the company's pre-restructuring process [1][2][9]. Group 1: Conflict Background - The dispute escalated following two announcements made by Huaxia Happiness on November 17, revealing that creditor Longcheng Construction Engineering Co., Ltd. applied for the company's restructuring due to its inability to repay debts [3][4]. - The court has accepted the pre-restructuring application, and Huaxia Happiness indicated "no objection" to this process [3][5]. Group 2: Governance and Compliance Issues - Ping An's representative, Wang Wei, publicly stated he was unaware of the announcement regarding the restructuring, claiming it violated company governance procedures [5][10]. - The core of the dispute revolves around whether the pre-restructuring process required board approval, with differing interpretations of regulatory guidelines [10][12]. Group 3: Financial Oversight and Transparency - The Huaxia Happiness debt committee authorized Ping An Asset Management to conduct a special financial due diligence on the company, addressing concerns over the transparency of debt resolution [6][7]. - Huaxia Happiness responded by stating it would cooperate with the temporary management team but could not define its obligation to comply with the financial committee's additional due diligence [8]. Group 4: Historical Context and Financial Performance - The relationship between Ping An and Huaxia Happiness has deteriorated over time, with significant financial losses for Huaxia Happiness leading to Ping An's substantial exposure [16][17]. - The company's stock price has plummeted from over 20 yuan to around 2 yuan, resulting in a significant market capitalization loss [17]. Group 5: Future Outlook - The restructuring process is expected to be complex, involving various stakeholders, including creditors and minority shareholders, indicating a challenging path ahead for Huaxia Happiness [21].

为全面提升冰雪寒潮天气下农业生产风险应对能力，筑牢粮食安全与农户权益保障防线，近日，平安产险江苏分公司以总经理室为牵头，开展2025年冬季大 灾应急演练。本次农险板块演练深耕"风险减量服务"理念，通过"演练 +实战"模式，联动科技手段、聚焦种养核心场景、延伸民生服务边界，以真排查、真 加固、真指导的务实举措，既锤炼应急处置硬实力，更提前为农业生产筑起抗寒"安全屏障"。 以练备战 以战护农 为全面提升冰雪寒潮天气下农业生产风险应对能力，近日，平安产险江苏分公司由总经理室牵头，组织开展2025年冬季大灾应急演练。其中，农险板块的演 练紧贴农业生产实际需求，将"风险减量服务"贯穿全程——依托在保客户清单，结合既往出险情况，精准锁定2万亩农业大棚、1210个畜牧养殖圈舍等重点 区域，同步落地"隐患排查、设施加固、技术指导"等真实服务举措，以"演练+实战"的模式，既检验应急响应能力，更切实筑牢农业生产"安全底色"，全力 守护粮食安全与农户权益。 科技赋能 排除隐患 在徐州铜山区茅村镇，平安产险铜山支公司将"无人机风险勘查"纳入演练科目，服务团队操控无人机对1400余亩大棚开展"空中巡检"，快速识别棚膜破损、 钢架松动等 ...

原标题：分红型重疾险"杀"了个回马枪？！平安、太保、新华表示跟进！某些机构恐难以融入… 来源：险企高参 11月13日，中国平安通过互动平台发布公告，宣布该司已启动分红型重疾险产品的研发工作，预计在相 关细则出台后即可开发有关产品，力争尽早上市销售，以把握市场机遇。 平安人寿总精算师孙汉杰对此予以确认并表示，该司已启动分红重疾产品的相关研究，后续将尽快推进 产品研发与推出，进一步拓宽分红型产品的覆盖场景。 产品战略调整的背后，是政策的指引。2025年9月30日国家金融监督管理总局发布的《关于推动健康保 险高质量发展的指导意见》，其中明确支持监管评级良好的保险公司自2025年10月起开展分红型长期健 康保险业务，意味着被叫停22年的分红型重疾险正式"解禁"。 在2003年，监管机构出于多重原因叫停分红型重疾险。当时部分保险公司将分红型重疾险包装成纯粹的 理财工具，背离了健康保险的保障初衷。加之健康险产品本身结构复杂，精算定价缺乏足够的经验数据 支撑，引入分红机制后，进一步增加了风险控制的难度，使得产品运营面临更大挑战。此外，国际市场 中也缺乏分红型健康险的先例。 随着时间的推移，中国保险业持续向高质量发展转型，监 ...

Core Viewpoint - The insurance sector experienced a decline of 0.56% on November 26, with China Life Insurance leading the losses, while the overall market showed mixed results with the Shanghai Composite Index down by 0.15% and the Shenzhen Component Index up by 1.02% [1] Summary by Category Market Performance - The Shanghai Composite Index closed at 3864.18, down 0.15% - The Shenzhen Component Index closed at 12907.83, up 1.02% [1] Insurance Sector Performance - The insurance sector saw a net outflow of 198 million yuan from main funds, while retail funds experienced a net inflow of 266 million yuan [1] - Individual stock performances included: - China Ping An (601318) closed at 59.78, up 0.52% with a trading volume of 434,700 shares and a transaction value of 2.598 billion yuan - New China Life Insurance (601336) closed at 65.92, up 0.06% with a trading volume of 95,700 shares and a transaction value of 628 million yuan - China Pacific Insurance (601601) closed at 34.61, down 0.97% with a trading volume of 222,200 shares and a transaction value of 771 million yuan - China Life Insurance (601628) closed at 43.50, down 1.09% with a trading volume of 111,600 shares and a transaction value of 485 million yuan - China Reinsurance (601319) closed at 8.54, down 1.16% with a trading volume of 519,200 shares and a transaction value of 443 million yuan [1] Fund Flow Analysis - The fund flow analysis for individual stocks showed: - China Pacific Insurance had a main fund net inflow of 29.7664 million yuan, with a retail net outflow of 20.0910 million yuan - New China Life Insurance had a main fund net inflow of 19.6665 million yuan, with a retail net outflow of 26.0477 million yuan - China Reinsurance had a main fund net outflow of 16.4563 million yuan, with a retail net inflow of 14.2729 million yuan - China Life Insurance had a main fund net outflow of 60.9273 million yuan, with a retail net inflow of 38.4305 million yuan - China Ping An had a main fund net outflow of 170.1 million yuan, with a retail net outflow of 74.5134 million yuan [2]

Core Viewpoint - The Ping An Property & Casualty Insurance Fujian Branch has initiated a new wave of integrity education through an innovative event titled "Party History Lesson in Stamps," combining postal exhibitions with learning about integrity and practical engagement [1][10]. Group 1: Event Overview - The event featured over 40 participants, including company leaders, party members, and community representatives, who engaged in a unique format of "viewing postal exhibitions + learning about integrity history + practicing original intentions" [1]. - The theme of the event was "Remembering the Glorious Past in a Small Space, Building a Safe Environment with Integrity," and it began with a creative sign-in using specially designed red postal stamps [1]. Group 2: Educational Content - A national-level postal exhibition evaluator presented on "The Integrity Gene of the Insurance Industry," using over 200 rare stamps to illustrate the development of the insurance industry and the construction of integrity culture in the new era [1]. - The "Integrity Culture" exhibition area included 22 thematic display panels that showcased the historical roots of Chinese integrity culture, exemplary figures, and the Communist Party's anti-corruption practices, further promoting the spirit of the "Eight Regulations" [3]. Group 3: Interactive Activities - The interactive segment included various hands-on activities, such as creating gold foil paintings of the party emblem, assembling mosaic coasters depicting the "Chinese Dream," and printing personalized electronic postcards that capture participants' pledges of original intentions [5]. Group 4: Ongoing Integrity Education - The Fujian Branch has implemented a comprehensive approach to integrity education, focusing on "theory as foundation, culture as nourishment, and practice as reinforcement." In the first ten months of 2025, the company conducted 35 specialized party classes, 66 online learning sessions, and 11 democratic life meetings to ensure coverage of integrity education for all party members [8]. - The event exemplified the company's innovative "online + offline" and "learning + practice" educational system, which includes immersive party education at historical sites and targeted integrity reminders during holidays [8]. Group 5: Innovative Educational Approach - The company’s secretary and general manager highlighted that this immersive educational experience, combining history with technology and observation with hands-on practice, deepens the ideological cleansing and injects new momentum into the construction of a clean financial culture [10].

Core Insights - The article highlights the significant growth of China's enterprise annuity system since its implementation in 2004, with accumulated funds reaching 3.84 trillion yuan by mid-2025, reflecting the public's expectations for a dignified retirement [2] - The investment strategy for annuities focuses on stability and long-term growth rather than short-term gains, managed by professionals who ensure the effective management of retirement funds [2][5] - The role of professionals like Zhen Ying is crucial in managing these funds, as they utilize data analysis and risk management to guide investment decisions and maintain client trust [6][9] Group 1: Industry Growth and Investment Strategy - The enterprise annuity system has evolved from non-existence to a substantial fund size, with a net asset value of 3.81 trillion yuan, nearing the 4 trillion yuan mark [2] - The investment approach prioritizes stability and long-term performance, contrasting with the volatility often seen in other investment sectors [2] - Professionals in the field do not engage in direct trading but play a vital role in overseeing fund management and ensuring the alignment of investment strategies with client needs [5][6] Group 2: Professional Role and Client Interaction - Zhen Ying exemplifies the role of a "manager of managers" (MOM), focusing on data-driven insights and risk assessment to navigate the complexities of annuity investments [5][6] - The "Trust Bridge" concept is emphasized, where professionals translate complex data into understandable insights for clients, fostering a deeper level of trust [6][9] - The proactive service model adopted by the company aims to anticipate client needs and provide timely responses, enhancing the overall client experience [8][12] Group 3: Service Philosophy and Client Value - The company's service philosophy of "saving worry, time, and money" is deeply ingrained in its culture, guiding daily operations and client interactions [7][8] - Zhen Ying's approach includes shortening communication chains and providing clear, actionable insights to clients, especially during market fluctuations [8][9] - The focus on creating "alpha returns" through superior investment management rather than merely reducing costs reflects a commitment to maximizing client value [8][11]

"产品+服务"体系的升级也是平安人寿2025经营的亮点。依托于平安集团的医疗养老生态圈，平安人寿 年内推出多项"保险+服务"产品，为客户提供服务价值和情绪价值。2025年前三季度，平安人寿的健康 管理服务已有超1600万客户，居家养老服务已覆盖全国85个城市，累计近24万名客户获得居家养老服务 资格。此外，平安人寿旗下高端养老社区截至目前已布局5个城市。同年，平安人寿推出"享平安"客户 权益体系，打造体育、教育、文娱、健康管理四大场景，以近百项权益为客户提供情绪价值。截至目 前，四大场景已服务超过200万客户。 投资实力支撑，分红险产品引领行业 改革成效显著，高质量发展成绩斐然 平安人寿以高质量发展为价值引领，持续深化转型。2025年，多渠道改革稳步推进，"保险+服务"布局 持续深化。2025年前三季度，寿险及健康险业务新业务价值达357.24亿元，同比大增46.2%，发展动能 强劲。 过去几年，平安人寿打造多渠道专业化销售能力，成效凸显。代理人渠道方面，公司2025年推动"做 优、增优、育优"平台建设，促使代理人渠道结构不断优化、规模趋于稳定，前三季度代理人渠道新业 务价值同比增长23.3%，人均新业务价值 ...