中国人民银行货币政策委员会日前召开的2022年第一季度例会提出，要稳字当头、稳中求进，强化 跨周期和逆周期调节，加大稳健的货币政策实施力度，增强前瞻性、精准性、自主性，发挥好货币政策 工具的总量和结构双重功能，主动应对，提振信心，为实体经济提供更有力支持，稳定宏观经济大盘。 近期，随着越来越多的金融机构晒出年度经营报告，一张金融业大力支持实体经济的"成绩单"愈加清 晰。 畅通企业融资渠道 如何缓解企业融资难融资贵，是金融机构的必答题。 中国再保险（集团）股份有限公司副总裁庄乾志介绍，中国"一带一路"再保险共同体自去年成立之后， 已有23家保险公司加入，共同为中国企业相关项目提供保险服务。一年多时间，共同体保障的境外项目 总规模超过160亿元，有效防范和化解中国企业"走出去"的境外风险。 面对新冠肺炎疫情的反复，交易所等相关单位也积极行动，助力企业应对风险。3月26日，上海证券交 易所发布通知，宣布免收沪市存量及增量上市公司2022年上市初费和上市年费、增量上市公司2022年股 东大会网络投票服务费、2022年度CA证书服务费等多项费用，同时减免和调降数据中心专线及机柜 费。上海证券交易所就进一步保障市场运行提 ...

伴随年报披露完毕，险企2021年投资收益也浮出水面。数据显示，五家A股上市险企2021年投资收 益率维持在5%上下，成为拉动险企净利润增长的重要渠道。其中，新华保险总投资收益率最高，为 5.90%；中国人保净投资收益率最高，为4.80%。 数据显示，截至2021年末，保险资金运用余额23.2万亿元，其中投资债券9.1万亿元，投资股票2.5 万亿元，投资股票型基金0.7万亿元，权益类资产配置仍有较大提升空间。多家上市险企表示，当下权 益市场已具备战略配置价值，根据其披露信息，碳中和、大健康等赛道有望获得更多关注。 多险企投资收益率高于5% 2021年，五大A股上市险企合计实现归母净利润2159.58亿元，同比降低14.41%。其中，中国平 安、中国人寿、中国太保、中国人保、新华保险分别实现归母净利润1016.18亿元、509.21亿元、268.34 亿元、216.38亿元、149.47亿元。 投资收益仍是险企净利润的重要来源。数据显示，五家险企2021年的投资收益率维持在5%上下。 其中，新华保险总投资收益率最高，为5.90%；中国人保净投资收益率最高，为4.80%。具体来看，中 国人保、中国平安、中国太保、中 ...

Core Viewpoint - The article highlights the commitment of China Life Insurance Company to provide personalized and accessible services to clients in remote areas, emphasizing the importance of human touch in the digital age [1][6]. Group 1: Service Commitment - China Life Insurance has conducted 597 on-site service visits in 2024, demonstrating their dedication to reaching clients in challenging terrains [1]. - The company’s service team embodies the "iron foot" spirit, ensuring that their promise of lifelong protection reaches every corner that needs warmth [1]. Group 2: Case Studies of Service - A case is presented where a staff member traveled 50 kilometers through difficult terrain to assist an elderly client with a lapsed insurance policy, taking a total of 6 hours for the service [2][3]. - Another instance involves a manager who traveled approximately 100 kilometers to help a disabled client access survival benefits, showcasing the lengths the company will go to ensure client satisfaction [4]. - A ten-year effort to locate a policyholder for a small claim of 50 yuan illustrates the company's commitment to fulfilling promises, regardless of the amount involved [5][6]. Group 3: Human Touch in Service - The article emphasizes that despite advancements in technology, the personal touch and human interaction remain irreplaceable in providing insurance services [6]. - The narrative of the company’s staff overcoming physical and logistical challenges to deliver services reinforces the idea that genuine care and commitment are at the heart of their operations [6].

Group 1: Health Insurance Market Growth - The commercial health insurance market in China has rapidly developed, with a variety of products and expanding service coverage [1] - In 2021, health insurance premium income reached 880.36 billion yuan, a year-on-year increase of 7.7%, while claims paid amounted to 408.53 billion yuan, up 39.9% [1] Group 2: Major Insurance Products and Services - Health insurance products mainly include disease insurance, medical insurance, medical accident insurance, nursing insurance, and disability income loss insurance [1] - The introduction of critical illness insurance has alleviated the financial burden on urban and rural residents, with over 140 million claims paid by China Life in 2021 [2] Group 3: Big Illness Insurance System - The big illness insurance system was established to reduce the financial burden of major illnesses for urban and rural residents, covering 1.22 billion people [3] - The reimbursement rate for insured individuals has increased by 10 to 15 percentage points [3] Group 4: Supplementary Medical Insurance - The rapid development of short-term medical insurance, particularly "Hui Min Bao," has provided additional medical coverage for residents [4] - By the end of 2021, 27 provinces had launched over 200 "Hui Min Bao" products, with total premiums exceeding 14 billion yuan [5] Group 5: Long-term Care Insurance - Long-term care insurance has become a focus due to aging population issues, with over 1 billion people covered by pilot programs [7] - The pilot programs have provided long-term care services to over 700,000 disabled elderly individuals [7] Group 6: Innovations in Insurance Products - Companies are increasingly offering insurance products tailored for new citizens, with 55 products available from Nongyin Life [6] - The "Ai Ta Bao" product, aimed at women, has been launched to enhance coverage and services for female citizens [6]

Core Viewpoint - Insurance funds are significant institutional investors in the capital market, but the investment yield of major listed insurance companies in A-shares has decreased due to low long-term interest rates and market volatility, with future equity asset allocation expected to focus on sectors like consumption, technology, and new energy [1][2][4]. Group 1: Investment Performance - In the first half of the year, the total investment yield of the five major insurance companies decreased by 15.7% year-on-year, totaling 252.43 billion yuan [2][3]. - The total investment yield rates for the five major insurance companies as of June were: China Life Insurance at 5.5%, China Pacific Insurance at 4.21%, New China Life at 4.2%, China Taiping at 3.9%, and Ping An Insurance at 3.1%, all showing a decline compared to the previous year [2][3]. - The total investment assets of the five major insurance companies reached 13.56 trillion yuan, an increase of 6.57% from the beginning of the year [2]. Group 2: Future Investment Strategy - Insurance companies are optimistic about the strategic value of equity markets in the second half of the year, with expectations of economic resilience and gradual recovery driven by infrastructure investment [4][6]. - The focus for future investments will be on sectors such as consumption, technology, new energy, and healthcare, with a positive outlook on equity investments [6][7]. - Regulatory bodies have encouraged insurance funds to invest more in equity assets, emphasizing the importance of long-term investments to support the real economy [4][5]. Group 3: Investment Principles - Insurance companies are advised to prioritize principles over rigid plans, focusing on asset-liability matching and employing a barbell strategy to balance stable fixed-income investments with riskier assets [7]. - A diversified investment portfolio is recommended to achieve long-term stable returns across cycles [7].

Group 1 - The core concept of personal pension is a system supported by government policy, voluntary participation by individuals, and market-oriented operation, aimed at providing supplementary pension insurance functions [3][28] - Participants in the personal pension system must be enrolled in either the urban employee basic pension insurance or the rural resident basic pension insurance [3] - The personal pension system operates on an individual account basis, where contributions are fully borne by participants, who can choose from various financial products such as commercial pension insurance, savings deposits, and public funds [4][5] Group 2 - The annual contribution limit for personal pensions is set at 12,000 yuan, with contributions being able to be made monthly, in installments, or annually, and recalculated each year [7][8] - On November 23, the first batch of personal pension insurance products was announced, with China Life Insurance Co., Ltd.'s "GuoShou XinXiangBao Exclusive Commercial Pension Insurance" included in the list [9] - The first personal pension product was successfully sold on November 25, marking a significant milestone for China Life Insurance [11] Group 3 - To participate in the personal pension system, individuals must open a personal pension account and a personal pension fund account, which can be done online through banks that qualify for personal pension business [13][15] - There are two options for purchasing the personal pension product: semi-self-service, where customers can get assistance from a China Life customer manager, and fully self-service, where customers can use the China Life Insurance app for direct purchase [16][17] - The process for self-service insurance purchase includes several steps, such as agreeing to terms, providing personal information, and selecting payment methods [30][33]

Core Viewpoint - The company is enhancing its "China Life Insurance" APP with a focus on technology and service to better serve the elderly population, aiming to provide high-quality insurance protection and improve accessibility for senior citizens [1]. Group 1: User-Friendly Features - The APP features a customizable interface with adjustable font sizes to improve readability for elderly users [2]. - Multiple login verification methods, including voice verification, are introduced to cater to the diverse needs of older users, enhancing security and ease of use [2]. - A fuzzy search function allows for precise service access, making it easier for elderly users to find relevant information [2][3]. Group 2: Service Enhancements - The "Air Customer Service" feature enables video connections with customer service representatives, allowing seniors to receive assistance without needing to visit physical locations [4]. - The APP facilitates easy appointment scheduling and navigation to physical service points, prioritizing elderly customers for in-person service [4]. - A voice broadcast feature for health information allows users to listen to content, making it more accessible and reducing eye strain [4]. Group 3: Product Accessibility - The APP simplifies the insurance product recommendation process, ensuring that offerings align with the specific needs of elderly clients [5]. Group 4: Intelligent Assistance - The APP incorporates intelligent guidance and human support to assist elderly users in navigating the platform, reducing cognitive load during transactions [6]. - An intelligent Q&A feature enhances customer service by quickly retrieving information and improving response accuracy [7]. - A unified service access point allows users to easily connect with various service channels, streamlining the customer experience [7]. Group 5: Risk Management - The company emphasizes risk management by implementing features that help prevent financial losses for elderly clients, including clear visual indicators to reduce errors [8]. - The APP includes preemptive warnings for potential financial scams, particularly for significant transactions, to protect elderly users [8]. Group 6: Commitment to Innovation - The company is dedicated to leveraging technology to enhance service delivery for the elderly, aiming to make insurance services more accessible and user-friendly in the digital age [8].

Core Viewpoint - The China Life Insurance Company has launched its first personal pension product, "Guoshou Xinxingbao Exclusive Commercial Pension Insurance," in response to the new personal pension implementation measures released by five government departments on November 4, 2023 [1][3]. Group 1: Product Features - The "Guoshou Xinxingbao Exclusive Commercial Pension Insurance" offers five key features: safety and stability, clear transparency, flexible payment options, diverse benefits, and convenient service [1][2]. - The product includes two investment portfolio accounts, allowing customers to choose one or both based on their investment strategy [1]. - It adheres to principles of long-term, stable, and value investment, aiming for long-term capital preservation and appreciation [1]. Group 2: Insurance Benefits - In addition to providing pension annuity payments, the product also offers death benefits and disability care insurance, catering to diverse insurance needs [2]. - Customers can select various payment methods, including lump-sum payments, periodic payments, and additional contributions, to suit their financial planning [2]. - Upon meeting pension withdrawal conditions, policyholders can choose from multiple withdrawal options, including lifetime monthly or annual payments and fixed-term withdrawals [2]. Group 3: Tax Benefits and Social Responsibility - Policyholders can enjoy tax deductions within specified limits when purchasing personal pension insurance products, and investment income is not subject to personal income tax during the investment phase [3]. - The company aims to contribute to the establishment of a multi-tiered social security system that is inclusive, equitable, and sustainable, aligning with national development strategies [3]. - The company emphasizes its commitment to serving the public and enhancing its role as a stabilizing force in the economy and society [3].

1月16日，中国人寿集团成员单位广发银行召开2023年工作会议。中国人寿集团党委书记、董事长 白涛出席并讲话，中国人寿集团副总裁、广发银行行长王凯作广发银行经营管理报告。 会议以习近平新时代中国特色社会主义思想为指导，深入学习贯彻党的二十大和中央经济工作会议 精神，落实中国 人寿2023年工作会议要求，全面总结2022年工作，部署2023年重点任务，奋力开创广 发银行高质量发展新局面。 白涛指出，过去一年，广发银行以迎接和学习宣传贯彻党的二十大为工作主线，全面贯彻党中央决 策部署，坚持稳中求进工作总基调，认真落实中国人寿集团"两稳两控五提高"工作思路，统筹推进中央 巡视整改与高质量发展取得积极成果，呈现出巡视整改有成效、服务大局有作为、综合实力有提升、改 革创新有进展、风险防控有加强五个特点。 白涛强调，广发银行要全面落实中国人寿集团党委工作部署，切实增强改革发展的危机感、紧迫感 和使命感，更加团结奋进、更加积极主动、更加担当作为，深入融入中国人寿，深刻理解和把握推进高 质量发展的五个规律性认识，根植湾区、做出特色，奋力开创高质量发展新局面。就做好2023年各项工 作，白涛提出五点要求：一是加强党的建设筑牢发 ...

Group 1: Economic Development in Hubei - Hubei Province has been actively pursuing high-quality development and innovation, with a focus on becoming a national leader in the new development pattern [1] - China Life has invested over 80 billion yuan in Hubei by the end of 2022, emphasizing its commitment to the region's economic growth [1] - Guangfa Bank has provided over 500 billion yuan in credit to Hubei, collaborating with China Life to introduce more than 60 billion yuan in insurance capital to support local economic and financial development [1] Group 2: Infrastructure Development - Wuhan is advancing its transportation infrastructure with the support of China Life's investment, focusing on high-quality transportation development [2] - The "China Life-Hubei Transportation Investment Plan (Phase II)" project, amounting to 1.5 billion yuan, aims to support the construction of the Hubei section of the Xiangjiu Expressway [2][4] - The Xiangjiu Expressway, a key project in Hubei's transportation plan, is expected to enhance travel conditions and boost local tourism and service industries upon completion in 2024 [4] Group 3: Financial Services and Support - Guangfa Bank is enhancing financial services for small and micro enterprises, with a 7.3% increase in inclusive small and micro loans by July 2023 [8] - The bank has reduced financing costs for small enterprises by 40 basis points and waived various fees, benefiting clients with over 20 million yuan in savings over three years [8] - Guangfa Bank is focusing on green development and innovation, with significant increases in green credit (92%), strategic emerging industry loans (49%), and technology finance loans (34%) by July 2023 [8] Group 4: Rural Revitalization Initiatives - Guangfa Bank is committed to rural revitalization, providing targeted financial support for local agricultural projects in designated assistance areas [9][11] - The bank has implemented a "poverty prevention loan" product to support previously impoverished individuals, enhancing the financial services available for rural development [9] - The transformation of Liujiabao Village, supported by Guangfa Bank, has led to the establishment of vegetable greenhouses, significantly improving local living conditions and economic prospects [11]