中国平安郭晓涛：三重改革红利持续释放，驱动业务增长

Core Insights - China Ping An is experiencing three major reform dividends that are driving business growth, as stated by Co-CEO Guo Xiaotao during the 2025 mid-term performance release [1] Group 1: Reform Dividends - The first reform dividend is a multi-channel strategy, which has diversified the distribution of life insurance beyond just agents to include bank insurance channels and community financial services. In the first half of this year, these channels contributed 33.9% to the new business value of Ping An's life insurance [1] - The second reform dividend is the "product + service" strategy, which aims to differentiate in a homogenized market through value-added services. This includes a combination of products such as investment, insurance, medical insurance, health insurance, and pension services, which effectively drive customer purchases of Ping An's life insurance products [1] - The third reform dividend is technology empowerment, where significant resources have been invested in enhancing the sales team and sales service tools. AI has improved customer acquisition, marketing, and conversion efficiency [1] Group 2: Business Growth - The combination of these three reform dividends has enabled the company to maintain rapid growth over the past two years, including this year. The company plans to continue adhering to regulatory requirements and product transformation in the second half of the year [1]