当雄县地处西藏中部，是拉萨市唯一的纯牧业县，总人口约5.2万人，其中牧业人口占比超90%，牦牛 养殖是当地牧民主要收入来源。近年来，当雄县大力推广农业保险。 近年来，作为扎根高原的国有保险企业，中国人民财产保险股份有限公司西藏自治区分公司（以下简 称"人保财险西藏分公司"）聚焦乡村振兴、保障和改善民生、绿色低碳发展、固边兴边富民等领域，深 度融入服务国家区域发展战略，积极发挥了保险的经济减震器和社会稳定器功能。 "牦牛是我们家的收入来源，养的牦牛全部都投了人保的牦牛养殖险。去年冬天由于暴风雪，家里好几 头牦牛都冻死了。幸亏有保险，很快就拿到了赔偿款。"当雄县牧民罗布告诉《农村金融时报》记者， 这让他实实在在感受到了保险的作用，心里特别踏实。 针对牦牛等核心养殖品种，人保财险当雄营销服务部全面落实政策性养殖保险政策，为"当雄牦牛"提供 风险保障。同时，该服务部将"有身份证的牦牛肉"等特色产业纳入重点保障范围，以"企业+合作社+牧 户"模式提供定制化保险方案，同步覆盖部分区域的农作物与牧民住房，为当地农牧业生产提供全面的 保障。 ■本报记者 田耿文 提供风险保障 护航农牧业生产发展 服务网络广覆盖 "每头牦牛我们 ...

在国务院新闻办9月22日举行的新闻发布会上，国家金融监督管理总局局长李云泽表示，我国第二大保 险市场地位更加稳固，保险业累计赔付9万亿元，较"十三五"时期增长61.7%。来自金融监管总局的数据 显示，截至2025年二季度末，保险公司和保险资产管理公司总资产39.2万亿元，较年初增加3.3万亿元， 增长9.2%。我国保险业在保障和改善民生、防灾减损、服务实体经济等方面发挥着越来越重要的作 用。 筑牢民生保障底线 城乡居民大病保险是对大病患者发生的高额医疗费用给予进一步保障的制度性安排。大病保险由政府负 责基本政策制定、组织协调、筹资管理，并加强监管指导。商业保险机构则发挥专业优势承办大病保险 项目，通过市场机制作用，提高大病保险的运行效率、服务水平和质量。 2021年，原中国银保监会印发《保险公司城乡居民大病保险业务管理办法》，规范保险公司经营行为， 维护参保群众合法权益。在此基础上，监管部门对经办大病保险的商业保险公司进行动态调整，严格新 增承办主体，同时加强现场检查力度，及时将不符合条件的公司移除出名单，推动大病保险制度平稳有 序运行。来自金融监管总局的数据显示，目前我国大病保险已服务12.2亿城乡居民。 ...

国庆见闻：#2025国庆见闻# 来源：市场资讯 一、这一轮赚钱了，但上一轮还没解套。 从去年924到现在，大家股票或是基金，普遍赚钱了，但是问题是上一轮牛市的基金还有不少人没解套。 这几天国庆节，我和老家的亲戚，还有同学聊天，也包括我之前时候和上北广深的朋友们交流。 从去年924到现在，大家股票基金赚钱了，但是赚钱有多有少，有先有后，比如去年红利好，今年科技好，红利就 一般。 当然赚钱和赚钱不一样，翻倍也是赚钱，涨50%也是赚钱，只涨了1%也算是赚钱了（你抬杠就是你对），但是好 歹从924到现在，大家赚钱了。 这一轮赚钱不是太大的问题，问题是上一轮牛市买的基金——还有不少人没解套，甚至还包括基金公司和证券公 司员工自己买的某些基金，都有一部分没解套。 我估计这一部分基金如果解套了，肯定有不少人想保本出。 现在，不论是上北广深这样一二线城市，还是我老家胶州这样的县城，大部分人对房价再次大涨估计不抱太大希 望，该买房的基本上也或多或少有了，银行存款利率又很低，所以老百姓钱总得有个去处。 股市是一个很好的居民财富蓄水池和发动机，但是过去这些年A股波动太大了，老百姓肯定想赚钱，但是也害怕 大跌。 A股最好的走势可能就 ...

Core Viewpoint - China Taiping Insurance Group's subsidiary, Taiping Property Insurance, is actively contributing to agricultural insurance services, enhancing food security and supporting farmers through innovative products and risk management strategies [1][3][5]. Group 1: Agricultural Insurance Performance - As of mid-2025, Taiping Property Insurance reported a 33.9% year-on-year increase in agricultural insurance premium income, covering 7.42 million acres of major grain crops and providing risk protection worth 4 billion yuan [1]. - In 2024, the company achieved a 59.4% year-on-year growth in major grain crop insurance across 19 regions, offering risk protection for 10.25 million acres and 4.78 billion yuan [3]. - The company has developed 192 insurance products for major grain crops, with 35 new products launched in the first half of 2025, reflecting a significant innovation pace [3]. Group 2: Risk Reduction Services - Taiping Property Insurance emphasizes proactive risk management, implementing risk reduction services to minimize disaster losses before they occur [5]. - The company initiated special risk reduction services in key risk areas before the flood season, enhancing flood prevention capabilities through equipment and emergency supplies [5]. - In response to severe weather events, the company has established efficient claims processes, such as the rapid response to hail damage in Heilongjiang, where over 590,000 yuan was paid to affected farmers [6]. Group 3: Diversification of Agricultural Insurance - The company is expanding its agricultural insurance services to cover diverse agricultural needs, including local specialty products and ecological agriculture [7][8]. - In 2024, Taiping Property Insurance provided risk protection worth 5.1 billion yuan for 174 local specialty agricultural products, and in the first half of 2025, it offered 3.5 billion yuan in risk protection for these products [8]. - The company is also promoting marine insurance products, covering various marine aquaculture species and developing innovative insurance models [8]. Group 4: Technological Integration - To enhance service efficiency and accuracy, Taiping Property Insurance has integrated advanced technologies such as IoT and blockchain into its operations [9]. - The company has launched the "e Agricultural Insurance" system, utilizing satellite remote sensing and drone technology for precise underwriting and claims processes [9]. - In specific regions, the company is implementing precision underwriting projects to address issues related to inaccurate insurance information and unique identification of livestock [9].

Core Viewpoint - The Financial Regulatory Bureau approved the transfer of shares in Anhua Agricultural Insurance Co., Ltd. to Rongjie Investment Holding Group Co., Ltd., increasing Rongjie’s stake to 32.719% [1][5]. Group 1: Share Transfer Details - Rongjie Group acquired 166 million shares from three shareholders: Zhongke Hengyuan, Shaanxi Jiale, and Panjin Longde, who held 97 million, 57 million, and 12 million shares respectively [2][3]. - Following the transfer, the three shareholders will completely exit Anhua Agricultural Insurance, reducing the number of shareholders from 21 to 18 [5]. Group 2: Shareholding Structure - After the transfer, Rongjie Group's total shareholding in Anhua Agricultural Insurance increased from 180 million shares (17.021%) to 346 million shares (32.719%) [4][5]. - The second-largest shareholder, Anhua Jiahe Investment Co., Ltd., holds only 10.21% of the shares, indicating a concentrated ownership structure [5]. Group 3: Company Background and Performance - Anhua Agricultural Insurance was established in December 2004 with a registered capital of 1.0575 billion yuan, focusing on agricultural risk management [6]. - In the first half of 2025, Anhua Agricultural Insurance reported insurance revenue of 4.382 billion yuan, a year-on-year increase of 17.28%, and a net profit of 99 million yuan, up 10.30% [6]. - The company’s solvency ratios are strong, with core solvency adequacy ratio at 173.94% and comprehensive solvency adequacy ratio at 175.21% [6].

Core Viewpoint - The company is actively engaged in agricultural insurance to mitigate the impact of extreme weather on crop production, ensuring food security and supporting farmers through comprehensive insurance solutions [1][2][3]. Group 1: Agricultural Insurance Initiatives - Since the start of the 2024 agricultural insurance cycle, the company has insured 441.67 million mu of policy-based staple crop cost insurance, leading the province in coverage area [2]. - The company has provided risk coverage of 4.311 billion yuan for 348,000 farming households, paying out 48.8194 million yuan in claims to support post-disaster recovery [2]. - The company has implemented a complete cost insurance model for staple crops, increasing the coverage amount per mu by 500 yuan while raising the premium by 2.4 yuan for wheat and 4.4 yuan for corn [9][10]. Group 2: Disaster Response and Claims Management - Following severe rainfall in August, the company activated its emergency claims plan, assessing damage across 15,740 mu of corn, with total claims reaching 7.04 million yuan, significantly exceeding the farmers' premiums [7]. - The company has established a rapid claims process, ensuring timely compensation to farmers, which has been crucial for their financial recovery and continued agricultural activities [10][19]. Group 3: Technological Integration and Risk Management - The company has invested in risk reduction initiatives, utilizing satellite monitoring technology for comprehensive risk management, enhancing disaster prevention and response capabilities [18]. - The establishment of smart agriculture service stations and collaboration with research institutions has enabled the development of predictive models for crop diseases, further supporting farmers [18]. Group 4: Future Plans and Strategic Goals - The company aims to strengthen agricultural insurance as a financial tool to promote agricultural development, ensure food security, and stabilize farmers' incomes, with plans to develop comprehensive insurance solutions for the entire agricultural value chain [19].

Core Viewpoint - The article discusses the impact of recent heavy rainfall on agriculture and the role of insurance in providing protection and support to affected farmers, highlighting the current compensation situation and suggestions for improving insurance services. Group 1: Compensation Situation - Financial regulatory authorities are guiding insurance companies to conduct timely assessments and optimize claims processes during the critical flood prevention period, ensuring prompt and reasonable compensation [2][3] - In Inner Mongolia, insurance coverage for major crops has increased from 300-600 yuan per mu to 900-1200 yuan per mu, with insurance payouts reaching 389 million yuan for 147,300 affected households [2] - In Beijing, agricultural insurance coverage reached 820 million yuan from January to May, with 7,085 claims reported due to heavy rainfall, of which 191 have been compensated [2] Group 2: Insurance Products for Farmers - The implementation plan for the high-quality development of inclusive finance in the banking and insurance sectors encourages the development of various agricultural insurance products, including farmland, housing, and machinery insurance [4] - Central government continues to provide premium subsidies for major agricultural products, while local governments are introducing region-specific insurance products, including weather index and price index insurance [4] - New insurance products are being developed for agricultural machinery, including flexible insurance terms and coverage for various types of agricultural equipment [5] Group 3: Challenges and Recommendations - Agricultural insurance has positively impacted farmers' income security, but issues such as delayed compensation and average payouts persist [6] - The application of new technologies like remote sensing and big data in agricultural insurance is growing, but there is a lack of standards and norms, affecting the accuracy of damage assessments [7] - Recommendations include improving data sharing among relevant departments and establishing clear boundaries for government intervention in insurance operations to ensure sustainable development of agricultural insurance [8]

Group 1 - The core viewpoint of the articles emphasizes the transformation in farmers' attitudes towards agriculture due to the introduction of insurance products that provide income security and risk management [1][2][4] - The company has launched 28 "insurance + futures" projects since 2021, providing risk protection of 650 million yuan to 1,522 farmers, addressing both natural disaster losses and market price fluctuations [2][4] - The insurance amount for wheat has increased from 447 yuan per mu to 1,000 yuan per mu, covering direct costs as well as land and labor costs, benefiting nearly 600 million mu of winter wheat and providing 6 billion yuan in risk protection [2][4] Group 2 - The company has developed 15 new specialty insurance products and revised 17 products since 2021, focusing on local agricultural products such as mushrooms, red peppers, and catfish, enhancing the insurance offerings for diverse crops [3][4] - The company has a total of 120 agricultural insurance products covering over 70 types of agricultural products, establishing a comprehensive insurance protection system [4] - The company has provided over 400 million yuan in risk protection for high-standard farmland projects, significantly improving management and quality in agricultural production [5][6] Group 3 - The company has expanded its risk protection from 110 million yuan to 22 billion yuan since its establishment in 2007, serving 1.01 million farmers and providing cumulative risk protection of nearly 170 billion yuan [6] - The company has paid out 4.64 billion yuan in claims, demonstrating its commitment to supporting farmers and enhancing food security in the region [6]

Group 1 - The article highlights the integration of digital technology in agriculture, specifically in the "Shiwaixian" ecological agricultural park in Beijing, which utilizes solar-powered sensors and smart control systems for remote management of greenhouse operations [1] - The park has faced significant losses due to natural disasters, prompting the introduction of greenhouse insurance by China Pacific Insurance to mitigate risks associated with crop damage [2] - Since 2019, the insurance company has provided nearly 3.5 million yuan in insurance coverage to the park, enhancing its confidence in exploring ecological planting methods [2] Group 2 - The implementation of smart environmental controllers in the park has led to reduced labor input while increasing both yield and quality, with cherry tomatoes yielding up to 15,000 jin per mu, which is 2 to 3 times higher than traditional methods [3] - The insurance company is collaborating with the ecological park to ensure the functionality of smart devices, aiming to transition agriculture from traditional methods to modern, automated practices [3] - In 2022, the insurance company launched a new insurance product covering labor and rental costs for wheat farming, expanding the insurance coverage from material costs to include production costs [4] Group 3 - China Pacific Insurance has been expanding its agricultural insurance offerings, providing risk coverage for 5.5 million farming households and over 54 million mu of farmland, amounting to 50 billion yuan in risk protection [5] - The company has innovated various agricultural insurance products, including those for specialty crops and has initiated pilot projects for high-standard farmland construction insurance [5] - The integration of technology in agricultural insurance services has been emphasized, with the establishment of various digital platforms to enhance service efficiency and accessibility [5]

Core Insights - Agricultural insurance serves as a financial tool for disaster prevention and mitigation in agriculture, but faces challenges such as low participation rates among farmers and limited profitability for insurance companies [1][2][3] Summary by Category Agricultural Insurance Development - Since the reintroduction of agricultural insurance in 2004, government support has increased significantly, with central fiscal subsidies rising from 1 billion yuan in 2007 to 54.7 billion yuan in 2024, leading to 152.1 billion yuan in premium income and risk coverage for over 147 million households [2][3] - The structure of premium subsidies shows that farmers only contribute about 20% of the total premiums, with central, provincial, and municipal fiscal contributions accounting for 45%-50%, 25%, and 5%-10% respectively [2] Policy Support - The emphasis on "developing agricultural insurance" has been consistent in central government documents for the past 20 years, with recent policies focusing on expanding coverage and encouraging local development of specialty agricultural insurance [3][5] - Various regulations have been established to clarify subsidy policies, insurance product innovation, and service standards, but challenges remain due to information gaps and low digital literacy among farmers [3][5] Challenges in Agricultural Insurance - There is a mismatch in supply and demand for agricultural insurance products, with many specialty insurance products having low participation rates, such as a mere 0.13% in Nanchang for beef cattle insurance [5][6] - Data flow issues hinder effective risk management, with a lack of standardized databases and information sharing among insurance companies and government agencies [6][7] - The precision of insurance coverage is inadequate, with long claims processing times and inefficient communication methods contributing to low farmer engagement [7][8] Recommendations for Improvement - Strengthening the flow of supply and demand information is crucial, with suggestions for a unified national agricultural insurance information platform to enhance data sharing and product offerings [9][10] - Promoting a collaborative approach between insurance and agricultural production sectors, including financial incentives for regions that meet insurance participation targets [10] - Implementing measures to improve claims efficiency, such as revising regulations to impose penalties for delayed payments and establishing emergency funding mechanisms for disaster situations [10]