在金融投资领域，争议与讨论从未停歇。"香港保险是精心设计的骗局。"经济学家郎咸平的犀利发言再次把香港保险推上了舆论场。在郎咸平看 来，大部分香港保险隐藏着"七大坑"，包括7%的稳定回报难如登天、提前领取有损失、外汇管制等。 相关话题引发了保险人的激辩，有人认同其观点，认为揭示了港险的潜在风险；也有人质疑其动机，觉得这是对港险的抹黑。那么，这些所谓 的"坑"究竟是客观存在的问题，还是被夸大的弊端？香港保险到底适合哪些人群？ "在国内，让你购买港险的中介都是骗子。"在近期的一期视频中，郎咸平开场便对港险"火力全开"。其直言，拿到7%的稳健回报难如登天，比 如，今年30岁投保，一定要活到100岁才能得到7%的稳健回报率。 在郎咸平看来，大部分香港保险精心设计的骗局背后，实际隐藏着七个大坑，具体包括：7%的稳定回报难如登天、提前退保损失大、不同产品收 益差别大、疾病保险容易被拒赔、维权成本高昂、外汇管制、在内地签署的保单无效。 其近乎全面攻击的论断，在业内激起强烈反应。北京商报记者注意到，很多保险自媒体也发视频质疑郎咸平本人的公信力，直言其只是一个"商 人"。 可以看出，郎咸平的质疑基本涵盖了投保前、产品收益、投保后 ...

7月8日上午，阳光财险山东分公司积极响应山东省保险行业协会号召，参加了在泉城公园举办的以"爱和责任 保险让生活更美好"为主题的绿色健步走暨保 险科普市集活动，用实际行动践行保险为民的初心使命。与此同时，全省16地市分支机构同步开展形式多样的宣传活动，掀起保险知识普及热潮。 绿色健步行 阳光展风采 泉城公园活动现场，阳光财险山东分公司员工组成的队伍精神抖擞，身着统一的橙色logo衫，高举公司旗帜，与行业同仁一起沿公园主干道健步前行。 保险市集 惠民暖心 在保险科普市集区域，精心布置的展位吸引了众多市民驻足。由消费者权益保护、理赔服务、风险合规等业务骨干组成的专业团队，通过互动游戏、宣传资 料、小礼品等形式，向市民普及保险知识。针对老年人群体，耐心讲解保险条款，提醒防范金融诈骗风险；面对年轻群体，重点介绍线上理赔的便捷服务。 活动现场共接待咨询百余人次，发放宣传资料300余份。 全省联动 阳光用心 阳光财险山东分公司辖内各分支机构也同步开展了形式多样的宣传活动。潍坊、威海、淄博、烟台、聊城、日照、济宁、菏泽、滨州、莱芜、枣庄、德州等 12家中支参加当地协会组织的健步走及保险市集宣传活动；临沂中支组织全员开展健步走 ...

没钱养老？可以贷款！ 凤凰网财经《银行财眼》注意到，自5月以来，湖南省内至少有30家农商银行推出了"养老贷"。并且多 家银行已经官宣发放了首笔"养老贷"。 其中，临澧农商银行宣布，截至6月9日"养老贷"余额已经突破3000万元。汉寿农商行也在其官方微信公 众号上发布《喜报！汉寿农商银行"养老贷"发放突破1000万元》 临澧农商银行微信公众号截图 如此多的地方农商行同步推出"养老贷"产品，是否是湖南农信系统的统一行为？凤凰网财经《银行财 眼》致电了湖南省联社客服，对方表示，并未收到相关通知，也没有相关资料，"这种一般是当地各个 行社发起的业务。" 01 什么是"养老贷"？ 湖南湘阴农商行在官方宣传中表示，"'养老贷'是专门用于提升养老保险缴费档次、补缴养老保险费用 的专项贷款产品，资金直达个人社保账户。" 而贷款交社保能给居民的生活带来多大的改善呢？ 祁阳农商行在宣传中举了个例子。"假设您选择年缴费6000元档次补缴15年，总保费90000元（可贷款最 高额），办理一次性补缴的'养老贷'，按等额本息还款，每月需还款约625.86元。您60岁后每月可领养 老金约808.48元。还完月供，您实际到手还有约182.6 ...

近些年，国内老百姓都喜欢把钱存在银行里面。资料显示：2025年一季度，全国居民新增存款9.22万亿元。居民们爱存钱的原因是，当前不确定因素有很 多，大家存钱就是为了应对失业、疾病等不时之需。此外，现在股票、基金、银行理财产品等高收益品种的风险较大，弄不好会亏损本金，还不如老老实实 把钱存在银行里面，至少本金和利息是有保障的。 而面对老百姓存钱热情越来越高涨，有业内人士提出，现在银行出台4大新规，不懂可能会吃亏。它们分别是：①存款利率一降再降；②存款利率出现倒 挂；③大额存单越来越少；④存款保险制度升级。让我们一起来了解一下： 新规一：存款利率在持续下跌 现如今，银行各档存款利率在持续下跌。前些年，3年期存款利率是3.05%，现在已经跌到了1.8%，跌幅超过40%。如果之前你把10万元存入银行3年定存， 平均每年能拿到3050元利息，而现在就只能拿到1800元利息，每年的存款利息足足少了1250元。而受到存款利率下降影响最大有两类人群：①平时爱存钱的 中老年群体；②想依靠存款利息生存的群体。 导致现在存款利率持续下跌的原因主要有三个：首先，央行希望老百姓把存款拿出来，用于投资和消费，这样可以加快经济复苏步伐。再 ...

本报（chinatimes.net.cn）记者吴敏 北京报道 在利率持续下行的阴云笼罩下，在投资端收益下滑与新会计准则落地的双重挤压中，2025年上半年的中 国保险业，迎来了一场规模空前的人事更迭潮。 据本报记者不完全统计，仅上半年就有88起（仅包括董事长、总经理、副总经理3类职务，涵盖已获得 监管批复的正式任命、拟任、临时负责人、内部官宣以及等待监管核准的任职事项）核心高管职务变 动，涉及68家保险机构，从头部巨擘到中小险企，从传统寿险到资管平台，人事版图的重构正成为行业 转型最直白的注脚。当经营压力渗透至毛细血管，换帅不再仅是权力交接，更是险企在深水区改革中寻 求破局的集体转身。 "本轮高管更替潮，是对保险行业战略焦点的重塑信号。"北京大学应用经济学博士后、教授朱俊生在接 受《华夏时报》记者采访时表示，从高增长到高质量，从规模为王到精细化运营，从业务主导转向技术 +资产+治理的三元驱动。真正决定险企能否实现战略转型的关键，不是表面上的人事调整，而是真正 理解影响险企运行的潜在规则、制度安排、权力格局、利益分配机制、组织文化等，将战略思想变成具 体可执行的机制、流程、角色重构、激励重设与资源分配，真正改变险 ...

Core Viewpoint - The 2025 "7•8 National Insurance Publicity Day" emphasizes the theme "Love and Responsibility: Insurance Makes Life Better," showcasing the insurance industry's commitment to public service and social governance through innovative online and offline activities [1][3]. Group 1: Activities and Engagement - The insurance industry has organized various activities to engage the public, including financial knowledge lectures and risk reduction services, particularly in response to recent severe weather events [3][4]. - Major companies like People's Insurance Company and China Life Insurance have implemented the "Five Entering" initiative, bringing insurance knowledge to schools, rural areas, and communities [3][4]. - Sunshine Property Insurance and others have focused on financial literacy and risk reduction, addressing public concerns through knowledge dissemination and training [4]. Group 2: Industry Impact and Public Awareness - The activities conducted during the publicity day aim to bridge the communication gap between the insurance industry and the public, enhancing insurance awareness and understanding of products [4][5]. - The insurance sector's proactive approach in risk reduction and public education is seen as a means to lower overall insurance costs and improve the industry's social image [4][5]. Group 3: Industry Growth and Financial Data - As of the end of Q4 2024, the total assets of insurance companies and asset management firms reached 35.9 trillion yuan, a 13.9% increase from the beginning of the year [7]. - In 2024, the insurance premium income was 5.7 trillion yuan, with a year-on-year growth of 5.7%, while claims and payouts increased by 19.4% to 2.3 trillion yuan [7]. - The insurance industry has expanded its coverage, providing agricultural insurance to 164 million households and health insurance to 1.2 billion people [7][9]. Group 4: Future Opportunities and Innovations - The insurance industry is poised for high-quality development, with new policies aimed at expanding coverage and improving service quality by 2029 [10][11]. - There is potential for innovation in inclusive insurance products to meet diverse public needs, particularly in health and elderly care [11][12]. - The integration of insurance technology is transforming the industry, enhancing efficiency and customer experience through AI, blockchain, and big data [12].

Core Viewpoint - The conference hosted by Tsinghua University Wudaokou School of Finance focused on the theme of "New Industries, New Technologies, New Models, New Dynamics - Digital Finance Supporting High-Quality Development," highlighting the importance of digital finance in enhancing the quality of economic growth in China [1]. Group 1: Industry Trends - The Chinese commercial health insurance industry is undergoing profound changes, transitioning from a supplementary role to a complementary relationship with the basic medical insurance system, thereby participating deeply in the construction of a multi-tiered medical security system [2][4]. - The mutual insurance model is positioned as a crucial "adhesive" between social security and commercial insurance, aligning with the public welfare direction of China's healthcare reform [2]. Group 2: Market Dynamics - The medical insurance market is experiencing structural changes due to healthcare payment reforms, shifting the development logic from "supplementary" to "complementary," with commercial insurance focusing on differentiated areas such as outpatient drugs and mid-to-high-end services [4][5]. - The mutual insurance model's "co-construction, co-governance, and sharing" mechanism fills the gap between social security and traditional commercial insurance, creating a new type of security system through collaborative platforms and ecological synergy [5][6]. Group 3: Challenges and Innovations - The insurance industry faces a core dilemma of mismatched products and user needs, with traditional sales methods often leading to misunderstandings due to product complexity [7]. - The company is focusing on risk reduction for specific groups, such as potential liver disease patients, by developing innovative insurance products that enhance patient compliance and reduce economic burdens [6][7]. Group 4: Future Directions - The company aims to evolve medical health insurance from risk compensation to risk reduction, contributing to the "Healthy China 2030" initiative by leveraging technology for precise matching and continuous engagement with members [7].

新华财经北京7月8日电在北纬36度与东经109度交汇的黄土高原地带，陕西省延长县凭借得天独厚的光 热与土壤条件，孕育出个大色艳、脆甜多汁的优质苹果，果业已成为当地经济发展与农民增收的支柱。 延长县人民政府相关负责人表示，"'保险+期货'价格险项目有效降低了果农因价格波动带来的市场风 险，稳定了果农收入，增强了果农发展苹果产业的信心。" 2022年至2024年，延长县持续深化项目试点，开展苹果"保险+期货"收入险项目，累计试点4569.46亩， 涉及果农379户，共计赔付约222.68万元。 "收入险对老百姓有好处，之前的价格险光是价格跌了管，但现在收入险是苹果受灾了也管。去年因为 苹果受灾，给我们赔了一点钱，今年我们种苹果也更有信心了。"延长县董家芽塬村果农苏大爷说道。 他经营着三十多亩果园，2024年他参加了苹果"保险+期货"收入险项目，投保了二十多亩果园，每亩自 缴保费约140元，最终获赔超13000元。 据中信期货西部分公司副总监郑勇介绍，2024年苹果"保险+期货"收入险总承保面积2424.05亩，补贴后 农户自缴保费每亩143.63元，占比15.02%。该项目共计赔付117.17万元，平均赔付483 ...

Core Viewpoint - The 2025 "7·8 National Insurance Publicity Day" emphasizes the theme "Love and Responsibility: Insurance Makes Life Better," aiming to cultivate a trustworthy and warm image of the insurance industry in China [1][4]. Group 1: Event Overview - The event is organized by the China Insurance Industry Association under the guidance of the National Financial Regulatory Administration, focusing on promoting a unique Chinese insurance culture [1][4]. - A set of six thematic posters was released, showcasing various aspects of the insurance industry and the event's theme [1]. Group 2: Industry Participation - Insurance institutions are encouraged to integrate activities related to consumer rights protection, prevention of illegal financial activities, and financial literacy during the publicity day [4]. - China Life Insurance Company utilized diverse online and offline promotional activities to highlight the insurance industry's role as an economic stabilizer and social stabilizer, enhancing public welfare [5]. - Various insurance companies, including ZhongAn Insurance, launched inclusive products and services, engaging with communities and businesses to improve service quality [6].

证券研究报告 | 策略点评 2025 年 07 月 08 日 投资要点 分析师：孟之绪 执业编号：S0300524080001 电话： 邮箱：mengzhixu@ykzq.com 投资策略研究 粤开市场日报-20250708 今日关注 今日主要指数涨跌幅：沪指涨跌幅为 0.7%，深证成指涨跌幅为 1.47%， 创业板指涨跌幅为 2.39%。 申万一级行业表现：通信、电力设备、电子在行业涨跌幅榜居前；交通 运输、医药生物、煤炭在行业涨跌幅榜居后。 概念板块表现：总体来看，电路板、光伏屋顶、CRO 概念表现相对较好； 银行、电力、保险概念表现相对较差。 风险提示 | 一、市场回顾 | 3 | | --- | --- | | 二、风险提示 | 3 | | 图表 1： | | --- | | 今日主要指数涨跌幅（%）及概念板块表现 3 | 股市有风险，投资需谨慎。 请务必阅读最后特别声明与免责条款 www.ykzq.com 1 / 5 策略点评 一、市场回顾 图表1：今日主要指数涨跌幅（%）及概念板块表现 二、风险提示 股市有风险，投资需谨慎 请务必阅读最后特别声明与免责条款 www.ykzq.com 3 / 5 资 ...