■本报记者 田耿文 阿坝藏族羌族自治州（以下简称"阿坝州"）位于四川西北部、青藏高原东南边缘，地表整体轮廓为典型 高原风貌，是长江黄河上游重要生态屏障和重要水源涵养地。这里不仅有高耸的雪山、广袤无垠的草 原、清新宜人的空气，更有漫山遍野、成群结队的牦牛，共同构成了一幅生动而和谐的高原生态画卷。 在这里，旅游和牦牛养殖都是当地的支柱产业。其中，牦牛不仅是游牧文化的图腾，更是万千牧民家庭 的重要经济支柱。 牦牛保险破解养殖难题 近日，记者一行驱车从成都出发，穿过一条又一条隧道，经过四个多小时的跋涉，来到了阿坝州的州府 所在地马尔康市。考虑到高反的影响，记者一行在马尔康市暂作休整，第二天一早出发，前往素有"牧 韵草原牦牛家园"之美誉的红原县。 红原县拥有1164万亩天然草场，这里的高原环境为牦牛提供了广阔的觅食空间和独特的生长条件，使得 牦牛成为当地重要的畜牧业资源。红原县在气候上属于大陆性高原寒温带季风性气候，易发旱灾、霜 冻、低温及大雪天气。 "自然条件下，牦牛冬季要掉膘20%—30%，春季死亡率较高。长期以来，牦牛养殖业处于'夏壮、秋 肥、冬瘦、春死'的传统循环中。"西南民族大学畜牧兽医学院副院长、人保牦牛风 ...

■田耿文 近日，《农村金融时报》记者在阿坝州调研采访的过程中，深切感受到这片高原土地上独特的游牧文明 和发展畜牧业的重要性。在这片广袤的土地上，牦牛不仅是游牧文明的象征，更是牧民家庭的经济支 柱。 然而，特殊的地理和气候条件也给牦牛养殖带来了诸多挑战，使得养殖业长期陷入"夏壮、秋肥、冬 瘦、春死"的恶性循环。每年春季都是牦牛死亡的高发季节，这会给牧民造成巨大经济损失。 面对这一困境，保险业挺身而出，主动投身于当地牦牛保险项目。中国人保积极通过创新举措，在当地 开展特色产业保险帮扶，开发牦牛价格保险、牦牛防返贫保险等险种，为当地牧民提供了坚实的风险保 障。 其中，牦牛价格保险在市场价格波动导致参保牦牛出栏市场价低于保险价时，依约进行赔偿，为广大牧 民抵御市场价格冲击提供了有力的兜底保障，助力畜牧业走上可持续发展之路。 值得一提的一个细节是，经人保工作人员查勘后的死亡牦牛，由无害化处理公司拉走，集中进行无害化 处理。这一举措不仅有效减少了牦牛疾病的传播，还有效改善了草原环境，从而吸引更多游客前来旅游 消费，实现良性循环。 阿坝州的创新实践表明：金融工具的巧妙运用，为高寒牧区治理提供了有效的保险策略和方案。 如今， ...

证券代码：601319 证券简称：中国人保 公告编号：临 2025-015 中国人民保险集团股份有限公司 关于召开 2025 年第一季度业绩说明会的公告 1 会议召开时间：2025 年 4 月 30 日（星期三）15:00-16:00 会议召开地点：上证路演中心（http://roadshow.sseinfo.com） 会议召开方式：上证路演中心文字互动 二、说明会召开的时间、地点和方式 （一）会议召开时间：4 月 30 日（星期三）15:00-16:00 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： 投资者可于 4 月 29 日(星期二)16:00 前登陆上证路演中心网站首 页，点击"提问预征集"栏目进行提问。公司将在业绩说明会上对投 资者普遍关注的问题进行回答。 为使广大投资者更加全面深入地了解公司 2025 年第一季度业绩 和经营情况，本公司拟于 4 月 30 日（星期三）15:00-16:00 召开 2025 年第一季度业绩说明会，就投资者普遍关心的问题进行交流。 一、说明会类型 本次业绩说明会通过 ...

近日，工业和信息化部装备工业一司组织召开智能网联汽车产品准入及软件在线升级管理工作推进会并 发布相关公告。公告强调车企要充分开展组合驾驶辅助测试验证，明确系统功能边界和安全响应措施， 不得进行夸大和虚假宣传，严格履行告知义务，切实担负起生产一致性和质量安全主体责任，切实提升 智能网联汽车产品安全水平。 事实上，随着智能驾驶技术普及带来的责任认定模糊、传统车险适配性不足等问题浮出水面，正在倒逼 车企与险企加速探索新型保险模式。在监管与市场的双重推进下，智能驾驶保险又该如何发展？ 监管收紧：全面规范智能驾驶宣传与责任 早在2月25日，工业和信息化部、市场监管总局就联合发布了《关于进一步加强智能网联汽车产品准 入、召回及软件在线升级管理的通知》（以下简称《通知》）。 《通知》中明确表示要强化企业责任，落实智能网联汽车产品生产一致性和质量安全主体责任，规范营 销宣传行为，健全产品售后服务管理体系；加强相关部门监督管理，按照有关要求，做好对本通知落实 情况的监督检查，督促企业落实主体责任。 此次工业和信息化部的推介会就是围绕《通知》有关产品准入和软件在线升级备案要求，听取汽车生产 企业落实情况及建议。 在一份关于此次会 ...

金十图示：2025年04月23日（周三）富时中国A50指数成分股今日收盘行情一览：银行、半导体行业午后延续跌势 保险 中国太保 中国人保 中国平安 电机 3175.28亿市值 2972.69亿市值 9232.59亿市值 6.46亿成交额 15.15亿成交额 3.17亿成交额 50.70 7.18 30.90 -0.07(-0.23%) +0.13(+0.26%) +0.03(+0.42%) 酸酒行业 贵州茅台 五粮液 山西汾酒 19496.19亿市值 2620.00亿市值 5044.93亿市值 28.95亿成交额 12.47亿成交额 9.73亿成交额 1552.00 129.97 214.76 -3.19(-1.46%) +3.20(+0.21%) -0.13(-0.10%) 半导体 北方华创 寒武纪-U 海光信息 HYGON 2433.47亿市值 2860.46亿市值 3463.26亿市值 21.92亿成交额 19.14亿成交额 37.76亿成交额 455.79 685.21 149.00 -3.10(-2.04%) -6.06(-1.31%) -9.77(-1.41%) 汽车整车 铁路公路 比亚迪 长城汽 ...

Core Viewpoint - Financial support is essential for industrial upgrades, with insurance products increasingly involved in sectors like new energy vehicles and low-altitude economy, providing crucial safeguards for key processes [1]. Group 1: New Energy Vehicle Insurance - The core component of new energy vehicles, the power battery, accounts for approximately 40% of the vehicle's cost, raising concerns about battery degradation among owners [2]. - A report from the China Automotive Technology Research Center indicates varying states of battery health, with the 2020 model of Li Auto ONE showing only 75.6% health after 103,000 kilometers [2]. - In 2021, the China Insurance Industry Association's guidelines excluded battery degradation from the coverage of new energy vehicle insurance [3]. - To address consumer concerns, PICC Chengdu Branch collaborated with CATL to develop a solution for battery capacity degradation, launching the first insurance product in Chengdu by the end of 2024, which allows for repair or replacement if the battery reaches a specified degradation rate within the agreed insurance period (1-3 years) and mileage [4]. Group 2: Low-altitude Economy Insurance - The low-altitude economy has emerged as a significant industry trend in China, with the Civil Aviation Administration predicting a market size of 1.5 trillion yuan by 2025 and 3.5 trillion yuan by 2035 [6]. - The demand for insurance in the low-altitude economy is multifaceted, including coverage for research and development risks during the trial phase of drone production and liability for physical damage and third-party risks during actual operations [6]. - Major insurance companies such as PICC, Ping An, Taikang, and China Life are actively entering the low-altitude economy sector [7]. - Data from Swiss Re Institute shows that over 30% of property insurance companies in China have launched related products, with 45 insurance products registered with the China Insurance Industry Association as of July 2024 [8]. - PICC Chengdu Branch customized a risk protection plan for Zongheng Dapeng Company, covering essential insurance types like hull and liability insurance, along with a claims service mechanism [9]. - By April 2025, the insurance project will cover Zongheng Dapeng's drone operations in various fields, providing a total coverage amount of approximately 33.76 million yuan [10]. - The development of insurance for the low-altitude economy faces challenges, including a lack of historical data for risk assessment and pricing, as well as the complexity of various aircraft and application scenarios [10].

金十图示：2025年04月22日（周二）富时中国A50指数成分股今日收盘行情一览：银行股全天走势分化，保险行业午后转涨 长江电力 中国核电 东方财富 8 1939.56亿市值 3243.93亿市值 7176.53亿市值 22.70亿成交额 8.57亿成交额 34.61亿成交额 29.33 9.43 20.55 +0.02(+0.07%) +0.05(+0.53%) -0.08(-0.39%) 证券 食品饮料 中信证券 国泰海通 海天味业 胸更 3716.99亿市值 3007.63亿市值 2346.02亿市值 11.58亿成交额 6.80亿成交额 2.80亿成交额 17.06 42.19 25.08 -0.15(-0.59%) +0.07(+0.41%) +0.03(+0.07%) 消费电子 化学制药 恒瑞医药 工业富联 立讯精密 3251.38亿市值 3530.91亿市值 2195.96亿市值 31.40亿成交额 8.19亿成交额 31.17亿成交额 17.78 30.30 50.97 -0.03(-0.17%) -0.57(-1.85%) +1.80(+3.66%) 家电行业 农牧饲渔 牧原股份 格力电器 ...

文/刘思嘉 中年职场的保险退路彻底断了。 曾几何时，"三个月买宝马"的财富传说与"时间自由"的柔性承诺，让保险业成为互联网、教培、地 产等裁员重灾区人员的首选避风港，而卖保险也被定义为中年人职场尽头的"兜底"。但如今，这条 退路正以肉眼可见的速度崩塌。 最新年报显示，2024年，五大上市险企人身险代理人数量已连续第五年呈下降趋势。而从全行业来 看，代理人数量已较2019巅峰时期的千万级减少超七成，相当于每月超10万从业者离开行业。 与此同时，行业资源正加速向高知代理人群体集中。据统计，在非标准体核保、法商税务规划等复杂 领域，掌握相关知识的3.8%的持证者收割了行业90%的高端订单，再加上AI的加速入局，保险作 为"职场退路"的温情面纱已被彻底撕碎。 01 保险神话"祛魅" 曾经，在大多数人眼中卖保险是门槛低的"维生"职业，不少人都将保险销售视为职业尽头的转型选 择或临时性过渡工作，因此导致保险代理人群体数量庞大、鱼龙混杂，2019年规模逼近千万大关。 据《2024中国保险中介市场生态白皮书》数据，2019年开始保险代理人数量呈现逐年下降趋势，截 至2023年末，人身险公司保险营销人员人数为281.34万人， ...

Core Viewpoint - The growth in premium income does not necessarily lead to an increase in insurance service income, as evidenced by the 2024 annual reports of listed insurance companies [1][2]. Group 1: Insurance Service Income Trends - In 2024, the insurance service income of listed insurance companies showed divergence, with property insurance companies experiencing growth while life insurance companies saw declines [2][4]. - Among the five major listed insurance companies, property insurance firms like China Ping An, China Life Insurance, and China Pacific Insurance reported increases in insurance service income, while life insurance companies such as China Life and New China Life experienced declines [4]. - Specifically, the insurance service income for property insurance companies grew as follows: China Re Property Insurance at 485.22 billion yuan (up 6.1%), Ping An Property Insurance at 328.15 billion yuan (up 4.7%), and China Pacific Property Insurance at 191.40 billion yuan (up 8.1%) [4]. Group 2: Impact of New Accounting Standards - The implementation of the new insurance contract standards has changed how insurance income is reported, shifting from "insurance business income" to "insurance service income" [3][5]. - The difference in accounting treatment means that premium income is recognized upon receipt, while insurance service income is recognized over the service period, leading to potential discrepancies between the two metrics [5]. - The transition to the new standards has resulted in a lack of clarity and focus on the insurance service income metric, which is more complex and involves various assumptions and calculations [6][7]. Group 3: Future Outlook - As the industry gradually shifts to the new standards, the importance of insurance service income is expected to increase, particularly for life insurance companies that are moving towards high-quality development [7]. - The overall stability in insurance service income, despite some declines, indicates that companies are still managing to maintain a level of performance [6].

Core Insights - The growth in premium income does not necessarily lead to an increase in insurance service income, as revealed in the 2024 annual reports of listed insurance companies [1][4]. Group 1: Insurance Service Income Trends - In 2024, the insurance service income showed divergence among listed insurance companies, with property insurance companies experiencing growth while life insurance companies saw declines [2][4]. - Among the three major property insurance companies, all reported increases in insurance service income: China Pacific Insurance at 191.4 billion yuan (up 8.1%), Ping An Property at 328.1 billion yuan (up 4.7%), and China Re at 485.2 billion yuan (up 6.1%) [2]. - Conversely, four out of five listed life insurance companies reported declines in insurance service income, with China Life down 2%, Ping An Life down 0.1%, China Taiping down 2.3%, and Xinhua Insurance down 0.5%. However, China Re Life reported a significant increase of 23% [2][3]. Group 2: Impact of New Accounting Standards - The implementation of the new insurance contract standards has changed how insurance income is reported, shifting from premium income to insurance service income, which is recognized based on the progress of service delivery rather than upon receipt of premiums [4][5]. - The difference in accounting treatment means that while premium income can be recognized immediately, insurance service income is recognized over the service period, leading to potential discrepancies between the two metrics [4][5]. - The insurance industry is still transitioning to the new standards, and there is a lack of understanding and focus on the insurance service income metric among industry participants [5][6]. Group 3: Future Outlook - As the industry adapts to the new standards, the importance of insurance service income is expected to increase, particularly for life insurance companies that are moving towards high-quality development and should focus on value premiums rather than just scale [6][7]. - The complexity of the insurance service income metric, which involves various assumptions and calculations, has contributed to its lower visibility compared to traditional premium income [5][6].