针对上述处罚，太平资产发布公告称，2021年5月至7月，原银保监会对公司开展风险管理及内控有 效性现场检查，指出公司在2015年至2021年期间存在部分高管人员未经任职资格核准实际履职、向监管 部门报送关联方信息档案不完整、保险资金投资非受托人自主管理信托产品等问题。 太平资产表示，上述行为均发生在2021年之前。针对前述事项，公司高度重视，在监管检查发现问 题的第一时间，立行立改，并已完成整改。本次行政处罚不会对公司经营造成重大影响。 公开资料显示，太平资产成立于2006年9月，是中国太平保险集团旗下专业资产管理机构，是国内 首批成立的9家保险资产管理公司之一。2024年，太平资产实现营业收入18.51亿元，同比增长6.67%； 实现净利润9.32亿元，同比下降4.36%。 需要注意的是，近段时间以来，保险资管公司频收大额罚单。6月11日，交银保险资产管理有限公 司（下称"交银保险资管"）发布公告称，公司因存在让渡主动管理职责、投资非受托人自主管理信托产 品、债投计划资金未按约定用途使用、债投计划信用评级机构不符合监管要求、利用受托管理资产为第 三方牟取利益、投资信用增级安排不合规的信托计划、关联方名单与实 ...

Core Viewpoint - The insurance industry in China is entering a low interest rate environment, with the standard rate for life insurance products expected to drop to 1.5%, significantly impacting product offerings and sales strategies [1][2][5]. Interest Rate Adjustments - The predetermined interest rate for ordinary life insurance is projected to decrease from 2.5% to 2.0%, while dividend insurance will drop from 2.0% to 1.5%, and universal insurance from 1.5% to 1.0% by the end of August 2025 [1][2]. - The China Insurance Industry Association's research value for the first quarter of 2025 was reported at 2.13%, a decline of 21 basis points from the beginning of the year [1][2]. Market Response - The market reaction to the impending rate cuts has been notably subdued, with agents reporting difficulties in selling existing products, indicating a shift in consumer focus away from guaranteed returns [1][6]. - Some insurance companies have already launched new products with a 1.5% predetermined interest rate, signaling a proactive approach to the changing market conditions [3]. Risk Management - The low interest rate environment has heightened the risk of interest spread losses, where investment returns fail to cover the guaranteed rates promised to policyholders [5]. - The current yield on 10-year government bonds is around 1.67%, creating a significant gap with the historical rates of 3%-4.025% for products sold during peak periods [5]. Shift in Sales Strategy - As guaranteed returns become less attractive, insurance companies are increasingly focusing on value-added services and customer engagement, moving towards a "insurance + service" model [8][10]. - The industry is witnessing a transformation where agents are expected to adopt a consultative role rather than a purely sales-driven approach, emphasizing the importance of holistic service offerings [10]. Product Innovation - The introduction of additional services, such as health management and elder care, is becoming a key selling point for insurance products, reflecting changing consumer preferences [9][10]. - Companies are integrating various service offerings into their insurance products to enhance customer experience and retention [9][10].

Group 1 - The core point of the news is that Dongfang Jiafu Life Insurance Co., Ltd. Ninghai Branch has been approved to exit the market, with the exit date set for July 4, 2025, as part of the company's strategic adjustment [2][4] - The exit involves specific arrangements for policy transfers and customer service continuity, which are currently being carried out under regulatory guidance [2] - The Ninghai Branch was established on March 1, 2018, and has been involved in various personal insurance businesses, including life, health, and accident insurance [3][4] Group 2 - The exit of the Ninghai Branch is part of a broader trend in the insurance industry, where over 20 insurance company branches have been approved for closure since the beginning of 2023, indicating a common phenomenon of contraction among small and medium-sized insurance enterprises during the industry's transformation period [4] - Dongfang Jiafu Life Insurance, originally known as Zhonghan Life Insurance Co., Ltd., was founded in November 2012 with an initial registered capital of 500 million yuan [4] - The company has faced significant financial challenges, reporting losses exceeding 700 million yuan from 2021 to 2023, highlighting issues such as long-term losses, governance shortcomings, and insufficient market competitiveness [4]

资料显示，鸿鹄基金的管理人国丰兴华成立于2023年，注册资本为1000万元。它由新华保险控股子公司 新华资产管理股份有限公司与中国人寿资产管理公司共同出资设立，双方各持有国丰兴华50%的股权。 7月4日，新华保险发布公告称，公司与基金管理人国丰兴华及基金托管人广发银行北京分行签署基金合 同，国丰兴华将发起设立国丰兴华鸿鹄志远三期私募证券投资基金1号，基金成立规模为225亿元，新华 保险出资112.5亿元认购该私募基金份额。 鸿鹄基金三期1号为权益类私募证券投资基金，其投资范围聚焦于中证A500指数成份股中符合条件的大 型上市公司A+H股。在标的公司的选择上，要求标的公司必须具备公司治理良好、经营运作稳健、股 息相对稳定以及股票流动性相对较好等特点。 国丰兴华管理的鸿鹄基金是保险资金长期投资改革首批试点之一，成立于2024年2月29日，并于当年3月 4日启动投资。截至目前，该基金共获批三期，总规模超千亿元。 鸿鹄基金三期获批金额为400亿元，除了新华保险、中国人寿，还会有多家中小险企参与进来。此次成 立的鸿鹄基金三期1号便是鸿鹄基金三期的一部分。 回顾保险资金长期股票投资试点的发展历程，首批试点于2023年10 ...

▲ 点 击图片即可报名 "中国保险业方舟奖"由证券时报社于2016年发起设立，多年来，"方舟奖"品牌得到广泛认可，成为保险业颇具影响力的品牌活动之一。 方舟奖旨在评选表彰每年度在风险管理能力、投资管理能力、创新发展能力等方面表现突出的保险机构，希望传递保险价值，促进保险业成为生命的方舟、财富的 方舟、社会的方舟。 2024年，保险业进一步明确"经济减震器和社会稳定器"的功能定位，从助力中国式现代化建设高度寻找自身高质量发展的着力点。2024年，保险业迎来第三份"国十 条"，行业未来一段时期发展方向得以明晰。面对复杂且极具挑战性的市场环境，保险行业持续加强资产负债管理、优化业务结构、提升服务能力，在助力经济社会 发展与民生保障中彰显自身价值。 2024年全年，保险公司原保险保费收入5.7万亿元，同比增长5.7%；赔款与给付支出2.3万亿元，同比增长19.4%；新增保单件数1038亿件，同比增长37.6%。截至 2024年末，保险公司总资产接近36万亿元。 当前虽有挑战，但保险业高质量发展仍面临历史性机遇。"两器""三网"需要保险业高质量发展，做好"五篇大文章"仍需保险业久久为功。在不确定性增多的环境 中，保险的 ...

从银行保险业奋力书写"五篇大文章"，到资本市场大力培育耐心资本，2025年上半年的中国金融业在改 革中育新机、于创新中谋突破。站在年中时点，南都·湾财社推出"金融半年观"系列报道，聚焦银行、 保险、证券、消费金融等行业"五篇大文章"成效、产品供需变化、机构人事调整，以及合规管理情况， 解析政策动向与市场趋势，把脉行业高质量发展新图景。 2025年，保险业严监管态势仍在持续。南都湾财社记者不完全统计，截至6月30日，今年全国保险公司 累计收到"罚单"645张，合计罚没金额近1.16亿元。共涉及100余家保险机构、超600家分支机构。其 中，财险公司的处罚次数高于寿险公司，养老险等其他类型保险公司也有部分处罚记录，但相对较少。 "提供虚假材料"是出现频率最高的违规行为之一；其次是"保险业务违规"，包括未按规定使用经批准或 备案的保险条款、保险费率，异地展业，虚构保险中介业务套取费用，给予投保人保险合同约定以外的 利益等；此外还有"欺骗投保人""虚假宣传"等销售违规行为，均不同程度地受到了监管机构的处罚。 财险公司处罚频次相对较高 按公司类型划分，2025年上半年，财险公司和寿险公司处罚频次显著高于养老险公司。其中 ...

今年7月8日是第13个"7·8全国保险公众宣传日"，年度主题是"爱和责任保险让生活更美好"。近年来， 我国保险业的各项指标稳步攀升，成为金融行业中的重要力量，在保障人民健康和财产安全方面发挥了 重要作用。 此外，保险公司需要通过持续的产品创新，不断满足用户需求。这既是行业发展的动力之源，也是守护 人民美好生活的客观要求。目前，一方面是消费者在收入补偿、带病体投保、银发人群保障方面的迫切 需求，另一方面是保险产品特别是人身险产品同质化严重，行业内卷问题突出，不少中小保险公司经营 困难。只有认真研究消费者需求，精心设计符合消费者需求的产品，科学厘定费率，才能从根本上实现 公司经营的良性循环，进而促进行业的高质量发展，更好满足人民群众对美好生活的新期待、新要求。 截至2025年一季度末，我国保险业总资产达37.8万亿元，较年初增加1.9万亿元，增长5.4%。从行业发 展的角度看，保险业与长期主义的目标天然契合，只有进一步筑牢经济安全网、社会保障网、灾害防控 网，才能更充分发挥经济减震器和社会稳定器功能。从这个意义上看，保险回归保障本源，守护人民美 好生活既是目的，也是结果。 （文章来源：经济日报） 保险产品与消费者 ...

Core Viewpoint - The article emphasizes the urgent need to strengthen catastrophe insurance mechanisms in response to increasing extreme weather events and climate change, highlighting its role in safeguarding public safety and property [1][3]. Group 1: Catastrophe Insurance Development - Catastrophe insurance is recognized as an important economic stabilizer and social safety net, with recent events in Guangdong demonstrating its effectiveness in providing timely financial support during disasters [2][3]. - As of the end of 2024, catastrophe insurance in China has provided risk coverage for 64.39 million households, amounting to 22.36 trillion yuan, with expectations to exceed 70 million households by 2025 [3][4]. - The development of catastrophe insurance is transitioning from regional pilot programs to nationwide coverage, supported by policy initiatives and industry efforts [3][4]. Group 2: Product and Service Optimization - Catastrophe insurance focuses on proactive prevention rather than just compensation, with companies like PICC leading efforts to create a comprehensive risk management system that includes pre-disaster prevention, response, and post-disaster compensation [4]. - Technological advancements have significantly improved the efficiency of catastrophe insurance, with innovations such as catastrophe index insurance speeding up claims processes and enhancing disaster response [4][5]. - New index-based catastrophe insurance products are being developed to address various extreme weather events, leveraging big data and AI for better risk assessment and pricing [4]. Group 3: Reinsurance and Risk Management - Reinsurance plays a crucial role in the catastrophe insurance ecosystem, providing a mechanism for risk dispersion and supporting the stability of the insurance market [5]. - The establishment of specialized catastrophe risk management companies, such as Zhongcai Catastrophe Risk Management Co., enhances the capacity for managing and transferring catastrophe risks [5]. Group 4: Collaborative Efforts and Future Outlook - Despite progress, there is still significant room for improvement in the coverage and protection levels of catastrophe insurance, necessitating collaborative efforts among government, enterprises, and society [6][7]. - Future initiatives will focus on enhancing the catastrophe insurance system, improving public awareness of risks, and optimizing data-sharing platforms to better manage catastrophe risks [7]. - The ongoing development of standardized catastrophe insurance products and services aims to expand the scope and effectiveness of risk reduction efforts [7].

在经济发展的大格局中，保险行业作为金融体系的重要组成部分，扮演着至关重要的角色，作为利安人 寿枣庄中支的负责人，我深感责任重大，也对行业的发展前景充满信心。 一、高质量发展是保险业的核心命题 通过"保险+健康管理"模式，公司对接医疗资源、慢病管理，以及个人养老金产品，应对老龄化挑战。 保险不是简单的财务补偿，而是通过风险前置管理创造社会价值。守护美好生活意味着从"规模导向"转 向"客户需求导向"。客户的信任是公司发展的基石，我们加强对销售人员的培训和管理，提高销售人员 的专业素养和职业道德水平，杜绝销售误导行为。同时，我们还积极开展金融知识普及活动，提高消费 者的风险意识和自我保护能力，让消费者明明白白消费,得到实实在在的保障。 我们始终坚持以客户为中心，将满足客户多元化的保险需求作为工作的出发点和落脚点。我们将以实际 行动，诠释保险的真谛，守护人民的美好生活，让每一个家庭都能享受到保险带来的安心与保障。 保险公司在高质量发展中的角色，正从"事后补偿者"升级为"事前风险管理者"和"社会稳定器"。这一过 程中，技术能力、社会洞察与长期主义思维缺一不可。这不仅是时代的要求，更是我们回馈社会、服务 大众的必然选择。 ...

Core Points - The meeting organized by the Binzhou Insurance Industry Association aims to address challenges in taxi insurance, such as difficulties in obtaining coverage and high claim rates, to promote the healthy development of taxi insurance and enhance the insurance industry's service capabilities for the public [1][3] Group 1 - The meeting reported on issues raised by taxi companies regarding insurance and outlined arrangements for taxi insurance underwriting in Binzhou, encouraging more insurance companies to take on taxi insurance responsibilities [3] - Insurance companies present at the meeting expressed unanimous support for the taxi insurance underwriting initiative and committed to developing fair and differentiated premium pricing based on the actual conditions of taxis [3] - The meeting emphasized the need for a collaborative effort across the industry to address taxi insurance issues urgently, with a focus on compliance and the establishment of a risk-sharing mechanism for taxi insurance [5]