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三引擎强劲驱动新业务价值大增39.8% 解码平安寿险高质量蝶变
Di Yi Cai Jing·2025-08-26 10:43

Core Viewpoint - China Ping An is transforming its life insurance business from scale development to value transformation, driven by three engines: "insurance + services" innovation, multi-channel growth, and AI technology empowerment [1] Group 1: Financial Performance - In the first half of 2025, China Ping An achieved an operating profit of 77.732 billion RMB, a year-on-year increase of 3.7%, and a net profit of 68.047 billion RMB [1] - The company will distribute an interim cash dividend of 0.95 RMB per share, reflecting a 2.2% year-on-year growth [1] Group 2: Life Insurance Business Growth - The new business value of life and health insurance reached 22.335 billion RMB, a significant increase of 39.8% year-on-year, with the new business value rate rising by 9.0 percentage points [1] - The agent channel's new business value grew by 17.0%, while the per capita new business value increased by 21.6% [1] - The bank insurance channel saw a remarkable increase of 168.6% in new business value, reaching 5.972 billion RMB [3] Group 3: Channel Strategy - Ping An has initiated a channel capability revolution, moving away from traditional strategies to a multi-channel approach that includes bank insurance and community teams [2] - The agent channel has improved in both quantity and quality, with a 1.5 percentage point increase in the proportion of sales personnel with college degrees or higher [2] - The community financial service channel has been enhanced through a standardized operational system, creating a "high-quality, high-capacity, high-income" team [4] Group 4: Product and Service Innovation - The shift to "insurance + services" is driven by the growing demand for comprehensive financial services among the expanding middle-income group in China [5] - Ping An has upgraded its insurance products to comprehensive solutions that integrate health management, retirement planning, and wealth transfer [6] - The company has established a health service closed loop, providing a full range of services from diagnosis to rehabilitation [6][7] Group 5: Technology Empowerment - AI technology is being utilized to optimize service experiences and enhance operational efficiency, significantly improving claims processing times [9][10] - The DeepSeek model has enabled 93% of claims to be processed within 60 seconds, with some claims being paid out in as little as 8 seconds [10] - Ping An's AI-driven fraud prevention system has established a comprehensive risk control framework [11] Group 6: Strategic Outlook - Ping An's comprehensive strategy in financial and elderly care services is expected to create a sustainable competitive advantage [8][12] - The company is positioned to meet the evolving needs of customers throughout their life cycles, enhancing customer loyalty and engagement [12]