建信财险：以中国特色金融文化为引领 走好差异化发展之路

Core Viewpoint - Jianxin Property Insurance Co., Ltd. (hereinafter referred to as "Jianxin Insurance") focuses on differentiated development in the "bank + insurance" sector, leveraging its resources and operational advantages to support the national economy and enhance its profitability for high-quality growth [1][2]. Group 1: Differentiated Development - Jianxin Insurance is committed to a differentiated development strategy, particularly in the non-auto insurance market, targeting areas such as engineering insurance, corporate property insurance, and liability insurance [2]. - The company has actively supported key national projects, providing insurance for major infrastructure developments, including highways and bridges, thereby contributing to the real economy [2]. - In 2024, Jianxin Insurance served nearly 1,200 technology-oriented enterprises, offering risk coverage of approximately 45 billion yuan [2]. - The company has also engaged in green finance, providing insurance for over 8,000 green insurance clients with coverage nearing 70 billion yuan [2]. Group 2: Steady Management and Profitability - Jianxin Insurance has maintained a steady growth in premium income, achieving a turnaround from loss to profit within five years of establishment [3]. - The company has improved its underwriting structure, reducing the combined cost ratio from 123% in 2020 to 103.3% in 2024, with a nearly 10 percentage point decrease in the combined expense ratio [3]. - In 2024, the company achieved a net profit exceeding 10 million yuan under new accounting standards, with net assets increasing by nearly 10 million yuan year-on-year [3]. Group 3: Cultural Leadership - Jianxin Insurance emphasizes the importance of integrity, prudence, and compliance in its operations, aligning with the principles of Chinese financial culture [4][5]. - The company actively participates in consumer education and promotes insurance knowledge to protect consumer rights [4]. - It has developed specialized insurance products for emerging industries, such as robotics and new energy vehicles, to support innovation and development [4]. Group 4: Commitment to Responsibility - Jianxin Insurance prioritizes efficient and transparent claims service, handling over 300,000 claims and disbursing over 400 million yuan in compensation in 2024 [6]. - The company has effectively responded to natural disasters, providing support to affected clients and aiding in the recovery of normal operations [6]. - In 2024, Jianxin Insurance ranked fourth in the industry for service quality and had the lowest complaint rate among regulatory transfers [6].