数智转型成果显著，三大维度释放价值 新华保险的数智化实践聚焦 "数据赋能、智能升级、创新突破" 三大方向，推动业务全链条效能提升与 客户体验优化。 数据赋能业务，实现 "全链路数字联接"。新华保险以数据驱动重构客户经营、市场分析、产品设计、 风险防控等领域模式，深度客户画像覆盖全渠道，主要经营指标实现实时追踪，生态服务全面线上化。 互联网保险业务目前已累计为线上客户提供超 531 亿元保险保障，同时在投资端发力 "数字金融"，人 工智能、云计算等数字产业相关企业发展投资余额约 45 亿元，同比增长 93.8%，完成全国首批数据中 心公募 REITs 认购，实现数据价值向业务价值的高效转化。 智能服务升级，客户体验再上新台阶。2025 年上半年，新华保险智能客户服务占比提升至 78%，多项 智能服务举措落地见效："掌上新华" APP 推出 "智多新" 智能导航功能，覆盖全部主要场景及 1 万余个 常见问题；创新推出 "空中柜面" 网点服务，依托实时音视频、人脸识别、OCR 识别等技术，支持 50 余项保全业务线上办理，已覆盖 6 家分公司 120 家四级机构，累计服务客户超 8000 人次、办理业务逾 1 万件 ...

新华保险 20251126 摘要 新华保险 2025 年一季度个险和银贷实现翻倍增长，导致 2026 年开门 红面临较高基数压力，但公司仍期望实现稳健的保费增长，包括期交、 价值规模保费等不同口径都有不同程度的增长。 银保渠道三季度新单保费转负，受趸交投放策略及业务节奏影响，但居 民储蓄搬家和大公司市场份额集中趋势持续，预计 2026 年银行端仍具 增长潜力。个险渠道前三季度维持较高增速，各项指标好于序时进度。 分红险息差收窄至 25BP，竞争加剧，但多家主体聚焦有助于市场教育。 新华保险通过代理人培训、投资管理和多渠道宣传提升分红险竞争力， 并积极筹备试水市场。 固收类资产仍是新华保险配置核心，占比 7-8 成，将积极配置利率债， 增加 REITs、可转债等多元化投资。权益端股票配置比例约 20%，未来 将视市场情况调整内部结构，降低风险类资产占比。 新华保险参与国寿合作的私募基金投资收益符合预期，将继续关注权益 市场长期投资和价值投资，根据市场机会和节奏积极把握后续投资机会。 Q&A 新华保险目前的整体业务情况如何，特别是开门红的进展？ 截至目前，新华保险整体业务进展符合预期。个险和银代多个指标已完成全年 ...

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 ...

证券之星消息，11月26日保险板块较上一交易日下跌0.56%，中国人保领跌。当日上证指数报收于 3864.18，下跌0.15%。深证成指报收于12907.83，上涨1.02%。保险板块个股涨跌见下表： 从资金流向上来看，当日保险板块主力资金净流出1.98亿元，游资资金净流入2.66亿元，散户资金净流出 6794.87万元。保险板块个股资金流向见下表： | 代码 | 名称 | 主力净流入 (元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601601 中国太保 | | 2976.64万 | 3.86% | -967.54万 | -1.26% | -2009.10万 | -2.61% | | 601336 新华保险 | | 1966.65万 | 3.13% | 638.12万 | 1.02% | -2604.77万 | -4.15% | | 601319 中国人保 | | -1645.63万 | -3.71% | 218.34万 | - 0.49% | ...

Core Insights - The insurance industry is witnessing a surge in the launch of new dividend insurance products, with major companies like China Life, Ping An Life, and Xinhua Insurance leading the way in this transformation towards dividend-based offerings [1][2][3] Product Launch Trends - Dividend insurance products have become the dominant category, with 65 out of 136 life insurance products being dividend-based, accounting for approximately 48% [2] - Major companies are actively introducing new dividend insurance products, such as Xinhua Insurance's "Shengshi Glory Celebration Edition" and Ping An Life's "Ping An Yuxiang Jin Yue" [2][3] Strategic Shifts - Companies are undergoing significant strategic transformations, with Xinhua Insurance reporting a 49.2% year-on-year increase in first-year premium income from individual channels for long-term insurance [3] - China Life and other insurers are also seeing substantial increases in the proportion of floating income products in their premium income [3] Market Dynamics - The shift towards dividend insurance is driven by multiple factors, including a declining interest rate environment, which has made dividend products more attractive compared to traditional fixed-rate products [4] - Regulatory policies are also encouraging the development of floating income insurance products, providing a clearer direction for innovation in the industry [4] Competitive Landscape - The success of dividend insurance hinges on insurers' investment capabilities, as the distribution of dividends is directly linked to investment returns [5] - Insurers face challenges in upgrading their sales models to meet the complexities of dividend products, requiring a shift from simple product sales to providing comprehensive asset allocation advice [5] Ecosystem Development - Insurers are exploring innovative "product + service" models to differentiate themselves in a competitive market, integrating health and wellness services with insurance offerings [7][8] - Companies like Ping An Life and Taikang Life are developing comprehensive service ecosystems that combine insurance with health management and elderly care services [7][8]

| 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | | 616109 | 中国人保 | 8.64 | 3.85% | 82.31万 | | 7.04亿 | | 601628 | 中国人寿 | 43.98 | 1.99% | 11.58万 | | 5.09亿 | | 601601 | 中国太保 | 34.95 | 1.90% | 26.15万 | | 9.13亿 | | 601318 | 中国平安 | 59.47 | 1.83% | 48.78万 | | 28.88 7 | | 601336 | 新华保险 | 65.88 | 1.76% | 11.64万 | | 7.671Z | 从资金流向上来看，当日保险板块主力资金净流入1.48亿元，游资资金净流出1.89亿元，散户资金净流入 4068.74万元。保险板块个股资金流向见下表： | 代码 | 名称 | 主力净流入（元） | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入（元） | | 散户净占比 | | --- | --- ...

格隆汇11月25日丨新华保险(601336.SH)在投资者互动平台表示，公司暂无回购计划。公司高度重视长 期市值管理工作，聚焦价值增长，全面提升经营管理质效，提升公司内在价值。 ...

格隆汇11月25日丨新华保险(601336.SH)在投资者互动平台表示，公司暂无回购计划。公司高度重视长 期市值管理工作，聚焦价值增长，全面提升经营管理质效，提升公司内在价值。 ...

新华保险 20251124 摘要 新华保险已构建全国性机构布局，股权结构呈现多元集中且国有资本深 度参与的特点，中央汇金和香港中央结算有限公司合计持股超 62%，国 有法人合计持股超 14%。管理团队由内部培养和外部引入相结合，保障 战略传承与资管优化并重。 2023 年新华保险营收和归母净利润因新准则切换大幅波动，但 2024 年营收达 1,325 亿元，同比增长 85.3%；归母净利润达 262.3 亿元， 同比增长超 200%。新业务价值在连续四年下跌后于近两年回升，内涵 价值也重回上升趋势。 新华保险负债端发展历程经历了康典、万峰、李全和杨玉成四个时期， 各阶段侧重不同，从确立战略布局到转向保障型产品，再到加快个险增 员和分红险转型，体现了公司战略的演进。 新华保险大力推动分红险转型，2025 年上半年分红险占比达 15.1%， 长期险首年保费增速显著提升至 46.3 亿元。分红险的保底加浮动特征 预计将降低负债端成本压力，并有望在新华保险的强劲投资能力下占据 领先地位。 Q&A 新华保险的公司概述和发展历程是怎样的？ 新华保险成立于 1996 年 9 月，由 15 家发起股东，包括东方集团、宝钢集团 ...

Core Viewpoint - Multiple insurance companies have achieved or are close to achieving their 2025 sales targets, shifting focus to the 2026 sales kickoff, with a strong emphasis on participating in dividend-type life insurance products [1][2] Group 1: Sales Performance - In the first ten months of this year, New China Life Insurance reported a premium income of approximately 181.97 billion yuan, a year-on-year increase of 17%, while China Pacific Insurance's Pacific Life reported a premium income of about 241.32 billion yuan, up 9.9% year-on-year [2] - Many insurance companies have completed over 95% of their new standard premium sales targets for the year, with sales efforts for 2026 already initiated [2][3] - The cumulative premium income for life insurance companies in the first nine months of this year grew by 10.2% year-on-year, despite a decline in January due to regulatory changes [3] Group 2: Product Trends - The trend towards dividend-type insurance products is evident, with over 40% of new life insurance products being dividend-based, and 44% of newly launched life insurance products being dividend-type [4] - Major insurance companies like Ping An and New China Life have committed to increasing the proportion of dividend-type insurance products in their offerings [4] - The introduction of new insurance products for 2026 is focused on dividend-type whole life insurance and dividend-type annuities, which are expected to drive double-digit growth in new premium income and new business value in the first quarter of 2026 [5] Group 3: Market Environment - The low interest rate environment continues to favor insurance products over traditional savings, as insurance rates remain attractive compared to bank deposit rates [5] - The insurance industry is undergoing a transformation in distribution channels, with a focus on enhancing the quality of individual insurance sales teams and recognizing the growing importance of bank insurance partnerships [5]