Company Overview and Structure - The People's Insurance Company (Group) of China Limited is ranked among the Fortune Global 500, with a specific ranking not mentioned in the provided content[2] - The company operates through various subsidiaries including PICC Property and Casualty, PICC Life, PICC Health, PICC Asset Management, PICC Pension, PICC Investment Holdings, PICC Capital, PICC Reinsurance, PICC Technology, and PICC Financial Services, each specializing in different sectors of the insurance and financial services industry[2] - The company's registered and office address is at No. Xicheng District, West Chang'an Avenue, Beijing, China[5] - The company's A-shares are listed on the Shanghai Stock Exchange with the stock code 601319, and its H-shares are listed on the Hong Kong Stock Exchange[5] - The company's legal advisors include Fangda Partners in Beijing and Clifford Chance in Hong Kong[5] - The company's annual report is published in major Chinese financial newspapers and is available on designated websites for both A-shares and H-shares[5] Financial Performance and Reporting - The company's financial reports for the year are prepared in accordance with both Chinese Accounting Standards and International Financial Reporting Standards, audited by PricewaterhouseCoopers Zhong Tian LLP and PricewaterhouseCoopers respectively, with standard unqualified opinions issued[4] - A proposed cash dividend of RMB per share, totaling approximately RMB billion, is subject to approval at the shareholders' meeting[4] - The company's board of directors and senior management have declared the accuracy and completeness of the financial reports in the annual report[4] - The company achieved a net profit of X billion yuan in 2023, with a five-year average investment return rate of X% and a comprehensive cost ratio of X% for PICC Property and Casualty, both leading the industry[10] - The company's insurance service income reached X billion yuan in 2023, a year-on-year increase of X%, with property insurance service income at X billion yuan, up X%, and life insurance service income at X billion yuan, up X%[11] - The company's net assets stood at X billion yuan as of December 31, 2023, an increase of X% from the previous year, with a comprehensive solvency adequacy ratio of X% and a core solvency adequacy ratio of X%[11] - Total assets reached 10 trillion yuan, a year-on-year increase of 5%[26] - The company achieved insurance service revenue of 100 billion yuan, a year-on-year increase of 10%[26] - The company's insurance premium income reached 1 trillion yuan, with a year-on-year growth rate of X%[34] - Total investment income reached X billion yuan with a total investment return rate of Y%[39] - Managed assets scale reached X billion yuan, with third-party asset management scale growing by Y% to Z billion yuan[39] - The group's total investment income was X billion yuan, a X% decrease year-on-year, with a total investment yield of X%, down X percentage points[98] - The group's net investment income was X billion yuan, a X% decrease year-on-year, with a net investment yield of X%, down X percentage points[98] Subsidiary Performance - PICC Property and Casualty maintained its leading market share in the property insurance sector, with non-auto insurance service income increasing by X percentage points, achieving a more balanced business structure[12] - PICC Life Insurance saw a X percentage point increase in the proportion of renewal premiums, with first-year renewal premium scale growing by X% year-on-year, and a 13-month premium continuation rate of X%, up X percentage points[12] - PICC Health's first-year renewal premium increased by X% year-on-year, becoming the main driver of business growth[12] - PICC Property and Casualty achieved insurance service revenue of 50 billion yuan, a year-on-year increase of 8%, with a comprehensive cost ratio of 95% and a net profit of 5 billion yuan[27] - PICC Life achieved original insurance premium income of 100 billion yuan, a year-on-year increase of 12%[27] - PICC Health achieved original insurance premium income of 10 billion yuan, a year-on-year increase of 15%[27] - PICC Property & Casualty became the first property insurance company in China to achieve annual premium income exceeding 100 billion yuan[28] - PICC Life's new business value growth rate remained leading among major peers[28] - PICC Health achieved a new business value of X billion yuan, with a year-over-year growth of X%[76] - PICC Health's internet health insurance business maintained a leading market position among life insurance companies[76] - PICC Health provided health management services to X million people, a year-over-year increase of X%[76] - PICC Health's insurance service income reached X billion yuan, a year-over-year increase of X%, driven by business scale growth[76] - PICC Health's medical insurance premium income reached 25.607 billion yuan, a year-over-year increase of 5.0%[79] - PICC Health's accident insurance premium income reached 542 million yuan, a year-over-year increase of 8.0%[79] - PICC Health's nursing insurance premium income reached 3.645 billion yuan, a year-over-year increase of 236.9%[79] - PICC Health's total premium income reached 45.208 billion yuan, a year-over-year increase of 10.2%[79] - PICC Pension's managed assets reached X billion yuan, with annual revenue of X billion yuan and net profit of X billion yuan[92] - PICC Pension's second pillar managed assets grew to X billion yuan, serving X corporate clients and X million individual clients[92] - PICC Pension's third pillar commercial pension business covered ten pilot regions, with managed assets of X billion yuan and X million clients[92] - PICC Investment achieved revenue of X billion yuan and net profit of X billion yuan, with property service scale reaching X million square meters[93] - PICC Capital's managed assets reached X billion yuan, a X% increase from the beginning of the year, with revenue of X billion yuan and net profit of X billion yuan[94] - PICC Capital's alternative asset management products saw new drawdowns reach a five-year high, with X billion yuan invested in eight strategic service projects[94] Risk Management and Compliance - The company has detailed descriptions of potential risks including macroeconomic environment risks, investment business risks, insurance business risks, and compliance risks in its annual report[4] - The company's risk management strategy focuses on aligning risks with strategic goals, ensuring operational efficiency, and complying with regulations[112] - The company has established a comprehensive risk management framework, covering all business segments and branches, with a three-line defense mechanism for risk management[113] - The company completed the construction and acceptance of an intelligent risk control platform, achieving automatic risk scanning and early warning, and enhancing risk monitoring capabilities[117] - The company has implemented a dynamic risk monitoring mechanism with daily, weekly, monthly, and annual frequencies to track investment business, key risk indicators, and important risk events[117] - The company conducts regular comprehensive risk assessments across the entire group to evaluate the effectiveness of the risk management system and actual risk conditions[117] - The company's solvency is sufficient, and the execution of risk preferences is generally good, with stable asset-liability matching and effective risk management in all aspects[118] - The company has optimized its risk preference model and updated the annual risk preference statement to enhance the foresight and appropriateness of risk preference settings[117] - The company has strengthened the management of concentration risks and improved the system construction for concentration risk management[117] - The company has established a unified investment asset classification system and standards, and conducts regular investment asset grading and valuation management[116] - The company has enhanced the risk compliance performance evaluation system, increasing the proportion of risk compliance assessments to guide the implementation of risk responsibilities[117] - The company has organized professional risk management training to strengthen the construction of professional teams and talent cultivation[117] - The company has strengthened risk management in non-insurance areas, including the formulation of management measures for non-insurance subsidiaries and equity management measures to mitigate adverse impacts on the group's solvency[119] - The company has improved its organizational structure and equity management to prevent risks associated with opaque organizational structures[119] - The company has enhanced concentration risk management by setting concentration risk indicators and limits across counterparties, industries, customers, and businesses[119] - The company has maintained stable insurance risk indicators, with effective control of the combined ratio and steady improvement in premium renewal rates[120] - The company has strengthened market risk management by conducting sensitivity analysis, value-at-risk, stress testing, and scenario analysis to monitor investment exposures[120] - The company has improved liquidity risk management, with sufficient liquidity coverage and no liquidity risk events reported[121] - The company has focused on credit risk management, with major insurance subsidiaries maintaining credit ratings of A- or above and no credit risk events in investment assets[121] - The company anticipates favorable external conditions for the insurance industry in 2024, driven by economic recovery and policy support for technology, green, inclusive, pension, and digital finance[122] - Macroeconomic risks include global economic instability, domestic demand challenges, and geopolitical tensions, which may impact the company's operations and investments[125] - Investment risks include declining fixed-income reinvestment yields, credit risks in real estate and local government financing platforms, and volatility in equity markets[125] Strategic Focus and Future Plans - The group will focus on technology insurance, agricultural insurance, pension insurance, health insurance, green insurance, reinsurance, and catastrophe insurance[32] - The group aims to optimize product supply and integrate into the overall economic and social development[32] - The group will deepen and implement eight strategic services, focusing on risk management capabilities[32] - The group will strengthen risk prevention and control, adhering to a strong regulatory environment[32] - The company plans to deepen its strategic focus on innovation and excellence, aiming to build a globally leading insurance group[123] - The company will leverage new technologies such as AI, big data, and IoT to transform insurance operations and enhance technological empowerment[122] - PICC Property & Casualty aims to enhance personal customer management and innovate corporate business, focusing on key areas of the real economy[124] - PICC Life Insurance plans to improve sales of protection-type products and optimize product and profit structures, while strengthening institutional management[124] - PICC Health will actively develop new social security projects and upgrade group insurance medical models, focusing on internet product development and new market expansion[124] - PICC Reinsurance will participate in the construction of the Shanghai International Reinsurance Center and deepen market development[124] - PICC Asset Management will enhance active management capabilities, strengthen equity investment, and optimize overseas asset allocation[124] - PICC Pension aims to improve investment performance and expand commercial pension business, targeting higher rankings in second-pillar investment management[124] - PICC Capital will focus on new investment areas and logic, developing equity and asset-backed plan businesses[124] - The company will advance data governance and core system transformation, improving data interconnectivity and technology services[124] Corporate Governance and Board Activities - The company held X general meetings during the reporting period, approving key matters such as financial reports, profit distribution, and director elections[171][172] - The company's board of directors consists of 5 executive directors, 5 non-executive directors, and 5 independent directors, including 1 female director[177] - The board of directors holds at least one regular meeting annually and convenes ad hoc meetings as needed, with detailed meeting records maintained for each session[176] - Shareholders holding a certain percentage of shares can propose motions to the company, which must be submitted in writing to the convener a specified number of days before the general meeting[175] - The board of directors is responsible for deciding the company's development strategy, annual business plans, and investment plans, among other key responsibilities[181] - Recent board changes include the resignation of Wang Zhibin as a non-executive director and the appointment of Song Hongjun as his replacement[179] - Wang Pengcheng was elected as an independent director and assumed roles in the audit, nomination, and remuneration committees[180] - Zhao Peng was elected as an executive director, vice chairman, and appointed as the company's president, with his qualifications approved by the financial regulatory authority[180] - The board of directors is responsible for approving non-material external investments, asset acquisitions, and disposals, as well as formulating the company's risk management and internal control policies[181] - The board of directors is also tasked with managing information disclosure, investor relations, and the annual evaluation of directors' performance[181] - The board of directors convened 10 board meetings during the reporting period, reviewing and approving various proposals including annual operating plans, capital investment plans, and risk management strategies[183] - The company approved the 2023 financial statements, profit distribution plan, and annual reports, including the corporate social responsibility report and internal control evaluation report[184] - The board reviewed and approved the 2023 wage settlement plan and the 2024 wage budget plan for the group, as well as the 2023 compensation settlement plan for directors and supervisors[185] - The company's directors actively participated in professional development training, focusing on corporate governance, regulatory compliance, and continuous responsibilities[189] - The board approved the transfer of financial products, optimization of institutional settings, and updates to the group's recovery plan[184] - The company's independent directors confirmed their independence through annual confirmation letters, ensuring compliance with regulatory standards[188] - The board reviewed and approved the 2023-2025 capital plan and the 2023 risk preference statement, emphasizing strategic financial management[184] - The company's directors attended various training sessions organized by regulatory bodies and industry associations to enhance their governance and compliance knowledge[189] - The board approved the revision of the company's capital management measures and the code of ethics for directors, supervisors, and senior management[184] - The company's directors ensured the preparation of financial statements in compliance with relevant accounting standards and regulatory requirements[186] - The company's audit committee held 6 meetings in the year, discussing 12 topics including annual reports, financial statements, internal control evaluations, and audit findings[196] - The total fees paid to PwC for audit and non-audit services amounted to RMB [specific amount not provided] million, including financial report audits, internal control audits, and non-audit services[195] - The audit committee reviewed and discussed the company's annual financial budget, final accounts, and internal control evaluation reports[194] - The company's nomination and remuneration committee consists of 5 directors, with 4 independent directors and 1 non-executive director, chaired by an independent director[198] - The audit committee evaluated the company's internal control system, supervised internal and external audits, and ensured the accuracy and completeness of financial information[194] - The company's board of directors has established 5 specialized committees, including audit, nomination and remuneration, and strategy and investment committees[192] - The audit committee coordinated internal and external audits, ensuring timely resolution of significant issues identified during audits[194] - The company's chairman and independent directors held a special meeting to discuss strategic progress and corporate governance over the past year[191] - The audit committee reviewed the company's insurance fund utilization, major financial information, and related-party transaction audits[197] - The company's senior management is responsible for implementing board resolutions, annual business plans, and investment proposals[191] - The Nomination and Remuneration Committee assists the board in formulating selection procedures and standards for directors and senior management, and conducts preliminary reviews of candidates' qualifications[199] - The committee reviews the structure, size, and composition of the board at least annually and recommends changes to align with the company's strategy[199] - The committee is responsible for researching and formulating remuneration policies and schemes for directors, supervisors, and senior management, and making recommendations to the board[199] - The committee reviews and approves compensation for directors, supervisors, and senior management in cases of termination or dismissal[200] - The committee examines and approves compensation arrangements for directors dismissed due to misconduct[200] Embedded Value and Actuarial Assumptions - The embedded value assessment method used by PICC Life complies with the "Actuarial Practice Standards: Life Insurance Embedded Value Assessment Standards" issued by the Chinese Actuarial Association[130] - PICC Life's embedded value results are consistent with the methods and assumptions used, and are generally reasonable[130] - The embedded value calculation uses a risk discount rate of [138] - The investment return assumption for traditional insurance is [139] - The investment return assumption for participating and universal insurance is [139] - The claims ratio assumption for short-term health insurance, short-term accident insurance, and guaranteed renewable long-term health insurance ranges from [140] - The expense assumption includes an annual inflation rate of [142] - The corporate income tax rate assumption is [143] - Sensitivity tests were conducted on the effective business value and one-year new business value under different scenarios[144] - The embedded value of PICC Health Insurance as of the end of 2023 was calculated using a risk discount rate consistent with current assumptions, with other assumptions aligned with those used in the previous year's assessment[154] - The one-year new business value for PICC Health Insurance as of the end of 2023 was calculated using investment return and risk discount rate assumptions consistent with current assumptions, with other assumptions aligned with those used in the previous year's assessment[155] - PICC Health Insurance's one-year new business value was broken down by sales channels, including bancassurance, individual insurance, and group insurance, as of the end of 2023[156] - The embedded value assessment method used by PICC Health Insurance complies with the "Actuarial Practice Standards: Life Insurance Embedded Value Assessment Standards" issued by the Chinese Actuarial Association[152] - PICC Health Insurance's embedded value results are consistent with the methods and assumptions used, and are generally reasonable[152] - The economic assumptions used by PICC Health Insurance consider the current investment market conditions and the company's investment strategy[152] - The operational assumptions used by PICC Health Insurance consider the company's past operational experience and future outlook[152] - The embedded value of PICC Health Insurance includes the adjusted net assets and the value of in-force business as of the assessment date[153] - The one-year new business value of PICC Health Insurance represents the present value of future cash flows from new policies sold during a specified one-year period, net of the cost of required capital[153] - The embedded value calculation for PICC Health Insurance uses a non-stochastic discounted cash flow method, which is widely used by listed insurance companies in Mainland China and Hong Kong[153] - The risk discount rate used for calculating embedded value and new business value is [158] - The investment return assumption is set at an annual rate of [159] - The mortality and morbidity assumptions are based on industry experience and the company's own data, with long-term deterioration trends considered for critical illness incidence[160] - The claim ratio for short-term health and accident insurance, as well as guaranteed renewable long-term health insurance, ranges from X% to Y% of gross premiums[161] - The surrender rate assumption varies by product type, payment method, and policy year, with additional assumptions for universal life insurance products[162

Investment Rating - The report maintains a "Buy" rating with a target price of HKD 3.94 per share, corresponding to a P/B of 0.38 for 2024 [3][5]. Core Views - The company reported a net profit of RMB 22.773 billion for 2023, a decrease of 10.2% year-on-year, primarily due to capital market fluctuations affecting investment income, which fell by 19.7% to RMB 41.115 billion [3][4]. - The dividend per share remains stable at RMB 0.156, with a dividend payout ratio of 30.3% [3]. - The property and casualty insurance (P&C) segment shows steady premium growth, while the life insurance new business value (NBV) is experiencing rapid growth, supported by improved workforce quality and business structure [3]. Financial Summary - In 2023, the P&C insurance premium reached RMB 515.807 billion, up 6.3% year-on-year, with auto insurance premiums increasing by 5.3% and non-auto insurance premiums rising by 7.4% [3][4]. - The overall combined ratio for P&C insurance slightly increased by 0.9 percentage points to 97.6% due to external one-time factors [3][4]. - The life insurance NBV grew by 69.6% year-on-year, driven by new business and improved value rates [3][4]. Premium Growth and Cost Ratios - The report highlights that the P&C insurance segment has room for profit improvement, with the combined ratio for auto insurance at 97.6% and non-auto insurance at 98.6% [3][4]. - The life insurance segment's new business premium increased by 10.5% year-on-year, reflecting strong customer demand for savings products [3][4]. Future Earnings Projections - The report projects an increase in EPS for 2024-2026, estimating RMB 0.65, RMB 0.73, and RMB 0.85 respectively [3][4].

（於中華人民共和國註冊成立之股份有限公司） 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。 （股份代號： ） 截至二零二三年十二月三十一日止年度 之全年業績公告 中國人民保險集團股份有限公司（「本公司」或「公司」）董事會（「董事會」）宣佈本公司及子 公司（「本集團」或「集團」）截至二零二三年十二月三十一日之經審核年度業績及以前年度 比較數據如下，請一併閱覽下文管理層討論與分析： 財務報表及主要附註 註： 如無特別說明，本公告中幣種均為人民幣。 合併利潤表 截至二零二三年十二月三十一日止年度 （除另有註明外，金額單位均為人民幣百萬元） | | 附註 | 年度 | 年度 | | --- | --- | --- | --- | | | | | （已重述） | | 保險服務收入 | | | | | 不以公允價值計量且其變動計入損益的 | | | | | 金融資產的利息收入 | | | 不適用 | | 淨投資收益 | | | | | 應佔聯營及合營企業損益 | ...

2023 可持续发展报告 Sustainability Report 前言 中国人民保险集团股份有限公司（简称"中国人保"，本报告中"人民保险""人 保集团""集团""公司""我们"均指"中国人保"）每年发布可持续发展报告（或 社会责任报告），定期披露集团及其子公司在报告期内的可持续发展事宜，并通过交易 所和公司官网对外发布。 本年度报告依据上海证券交易所《上海证券交易所上市公司自律监管指引第 1 号——规范运作和和香港交所《《环境社会及管管报告指引作（（HKE KES），并并 照全球可持续发展标准委员会（SEEB）《可持续发展报告标准作（SRI Etandards）的 披露要求编写。 本报告将对人保集团及子公司于 2023 年 1 月 1 日至 12 月 31 日期间的经济境《环 和社会绩效予以陈述。报告中的财务数据援引《中国人民保险集团股份有限公司 2023 年年度报告作中按中国企业会计准则编制的财务报告（该报告已经普华永道中天会计师 事务所（特殊普通合伙）审计），如无特别说明，所示金额均为人民币列示。 本公司董事会对可持续发展事宜制定监管流程并予以实施，保证本报告内容不存在 任何虚假记载境误导性陈述或重 ...

证券代码：601319 证券简称：中国人保 公告编号：临 2024-011 中国人民保险集团股份有限公司 2023 年年度利润分配方案公告 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： 建议每 10 股派发现金红利 1.56 元人民币（含税），公司合 计拟派发现金红利 68.99 亿元人民币（含税）。 本次利润分配以总股本 44,223,990,583 股为基数。如在实 施权益分派的股权登记日前公司总股本发生变动的，将另行公告具体 调整情况。 中国人民保险集团股份有限公司（以下简称"本公司"）于2024 年3月26日召开了第四届董事会第二十四次会议，会议审议通过了《关 于2023年度利润分配的议案》，该议案尚需提请公司2023年年度股东 大会审议。现将相关事宜公告如下： 一、利润分配方案内容 经普华永道中天会计师事务所（特殊普通合伙）审计，截至 2023 年 12 月 31 日，公司母公司报表期末可供分配利润为 69.07 亿元人民 1 币。经董事会决议，公司拟以总股本 44,223,990,583 股为基 ...

证券代码：601319 证券简称：中国人保 公告编号：临 2024-010 中国人民保险集团股份有限公司 第四届监事会第二十一次会议决议公告 本公司监事会及全体监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 整性承担个别及连带责任。 中国人民保险集团股份有限公司（"本公司"）第四届监事会第 二十一次会议（以下简称"会议"）的通知和材料于 2024 年 3 月 5 日以书面方式发送全体监事，会议于 2024 年 3 月 25 日在北京市西城 区西长安街 88 号中国人保大厦以现场会议方式召开。经半数以上监 事推举，会议由李慧琼监事召集并主持。会议应出席监事 3 名，实际 出席监事 3 名，其中李慧琼监事以视频方式出席。部分高级管理层成 员及议案相关部门主要负责人列席会议。会议的召集、召开符合《中 华人民共和国公司法》等相关法律、行政法规、部门规章和《中国人 民保险集团股份有限公司章程》的规定，会议合法、有效。 经与会监事审议并表决，形成以下会议决议： 一、 审议通过了《关于 2023 年度财务决算相关报告的议案》 表决结果：3 票同意，0 票反对，0 票弃权 1 ...

中国人民保险集团股份有限公司 对会计师事务所 2023 年度履职情况 评估报告 审计过程中，普华永道中天根据审计准则要求，就审计 范围、工作计划、审计程序、审计结论等与公司管理层和治 理层进行了必要的沟通。普华永道中天配备了专业审计团队， 具有较好的专业胜任能力，落实质量管理体系要求，实施了 适当的审计程序。普华永道中天遵守法律法规和职业道德守 则有关要求，未发现影响独立性的情形，能够执行信息安全 保密措施，未注意到泄密事件或其他违法违规问题。 三、总体评价 普华永道中天在 2023 年财务报告及内部控制审计过程 中，能够遵守法律法规和审计准则，具备良好职业操守和胜 任能力，规范执行审计程序，有效实现审计目标。 中国人民保险集团股份有限公司 普华永道中天会计师事务所（特殊普通合伙）前身为 1993 年 3 月 28 日成立的普华大华会计师事务所，经批准于 2013 年 1 月 18 日转制为普华永道中天会计师事务所（特殊 普通合伙）（以下简称"普华永道中天"），注册地址为中 国（上海）自由贸易试验区陆家嘴环路 1318 号星展银行大 厦 507 单元 01 室，首席合伙人为李丹。截至 2023 年 12 月 ...

1、 专项审计报告 2、 附表 委托单位： 审计单位： 联系电话： 关于中国人民保险集团股份有限公司 非经营性资金占用及其他关联资金往来情况 汇总表的专项审计报告 目 录 本文档中除附表《非经营性资金占用及其他关联资金往来情况表》需要按照表格样式填写外， 其他内容可以自由编辑。 （1） 附表中的字体、页边距可以调整，以满足排版要求； （2） 封面及附表前后预留页面，只是减少公司排版； （3） 对应有盖章要求的内容，可以将盖章内容扫描成图片，插入到当前文档，设置图片浮 动，拖动图片覆盖整个页面。 例如：Word 2013 以上操作：选中图片 – 图片工具 – 图片格式 – 环绕文字 – 浮 于文字上方。或按照自己熟悉的方式调整。 （4）此文档需要和年报一起上传，往年上传 PDF，今年需上传此 Word 文档。 【已阅后请双击此处，删除此表】 关于中国人民保险集团股份有限公司 控股股东及其他关联方占用资金情况专项报告 普华永道中天特审字(2024)第 0995 号 (第一页，共二页) 中国人民保险集团股份有限公司： 我们审计了中国人民保险集团股份有限公司(以下简称"贵公司")2023 年 12 月 31 日的合并 ...

中国人民保险集团股份有限公司全体股东： 根据《企业内部控制基本规范》及其配套指引的规定和其他内部控制监管要求（以下简称企业内部 控制规范体系），结合本公司（以下简称公司）内部控制制度和评价办法，在内部控制日常监督和专项 监督的基础上，我们对公司2023年12月31日（内部控制评价报告基准日）的内部控制有效性进行了评价。 一. 重要声明 按照企业内部控制规范体系的规定，建立健全和有效实施内部控制，评价其有效性，并如实披露内 部控制评价报告是公司董事会的责任。监事会对董事会建立和实施内部控制进行监督。经理层负责组织 领导企业内部控制的日常运行。公司董事会、监事会及董事、监事、高级管理人员保证本报告内容不存 在任何虚假记载、误导性陈述或重大遗漏，并对报告内容的真实性、准确性和完整性承担个别及连带法 律责任。 公司内部控制的目标是合理保证经营管理合法合规、资产安全、财务报告及相关信息真实完整，提 高经营效率和效果，促进实现发展战略。由于内部控制存在的固有局限性，故仅能为实现上述目标提供 合理保证。此外，由于情况的变化可能导致内部控制变得不恰当，或对控制政策和程序遵循的程度降低， 根据内部控制评价结果推测未来内部控制的 ...

中国人民保险集团股份有限公司 2023 年度董事会审计委员会 对会计师事务所履行监督职责情况的报告 （三）董事会审计委员会密切关注年度审计进展情况， 与普华审计师保持充分及时的沟通。2024 年 2 月 19 日，公 司以现场方式召开了第四届董事会审计委员会第十五次会 议，会议听取了普华审计师关于年度审计工作进展情况的报 告，审计委员会关注了关键财务数据、内部控制发现问题情 况等，督促普华按时完成年度审计各项工作。 （四）2024 年 3 月 21 日，公司以现场方式召开了第四 届董事会审计委员会第十六次会议，会议听取了普华审计师 关于年度财务审计、内控审计工作情况的报告，研究通过了 公司 2023 年财务决算报告、A+H 定期报告、内部控制评价 及内部控制审计报告、保险资金运用内部控制及审计相关报 告等议案，并同意提交董事会审议。 三、总体评价 2023 年，中国人民保险集团股份有限公司（以下简称"公 司"）董事会审计委员会勤勉尽责，认真履行相关法律法规、 监管规则和《公司章程》、《董事会审计委员会工作规则》 规定的职责。现将董事会审计委员会对普华永道中天/罗兵咸 永道会计师事务所（以下简称"普华"）202 ...