| | | 1月7日收盘价创历史新高股涨幅排名 | | | | --- | --- | --- | --- | --- | | 代码 | 简称 | 收盘价 (元) | 日涨幅 (%) | 行业 | | 301079 | 邵阳液压 | 41.33 | 20.01 | 机械设备 | | 301363 | 美好医疗 | 41.56 | 20.01 | 医药生物 | | 688125 | 安达智能 | 170.08 | 20.00 | 机械设备 | | 688548 | 广钢气体 | 18.12 | 20.00 | 电子 | | 688710 | 益港題 | 55.31 | 20.00 | 医药生物 | | 301213 | 观想科技 | 82.86 | 20.00 | 国防车 | | 688037 | 芯濃微 | 190.79 | 20.00 | 电子 | | 300346 | 南大光电 | 55.19 | 20.00 | 电子 | | 688019 | 安集科技 | 278.39 | 18.86 | 电子 | | 920751 | 惠同新材 | 25.69 | 16.83 | 有色金屋 | | 688282 | ...

来源：今日保 与"个险银保的C位渠道之争"的火热相比，曾经持续数年在话题度与关注度上风头无两，被寄予大量期 待的互联网保险，在衬托下显得沉寂，甚至似乎已经淡出了主流关注。 的确，2021年前后，随着互联网财险、互联网人身险等新规相继落地，互联网保险市场进入整顿与调整 阶段，而之前持续高企的增速也随之放缓。虽然以"百万医疗险"为代表的互联网健康险仍保持着一定的 成长势头与创新成果，但就互联网渠道而言，其声量已着实低微。 声量归声量，事实上，与其说互联网保险悄无声息，不如说它正在平静中悄悄蜕变。 一方面，作为最适合互联网场景的医疗险产品依然在包括2025年在内的这几年中持续创新，在医保制度 改革中探索着新的责任与产品形态，并且一些长期险销售与"线上+线下"经营都在陆续涌现； 另一方面，则是在AI技术的加速发展下，不但线上运营、在线理赔等互联网化服务已日趋普遍，在线 下营销前端与管理后端，互联网也作为一种更加普遍的工具、平台与基础建设，渗透到保险这个传统金 融行业的方方面面。 这令越来越多的机构，特别长期专注于这一领域的保险公司与科技平台，深刻认识到互联网已不只是一 个保费渠道，更是一种效率赋能手段乃至模式，其独有 ...

近日，在财经网2025年金融业年度评选中，泰康在线财产保险股份有限公司（以下简称"泰康在线"）凭 借其卓越的综合实力、突出的科技创新能力以及扎实的社会责任实践，获评"年度财险公司"荣誉奖项。 作为泰康保险集团旗下的专业互联网保险公司，泰康在线成立十年来始终坚持互联网财险专业化经营战 略，谋求高质量发展。截至目前，泰康在线已累计服务客户超3亿人，赔付金额突破305亿元，保费规模 稳健增长，连续五年荣登湖北民营企业百强，核心经营指标持续位居行业前列。 业务布局覆盖广泛，结构均衡彰显综合实力 泰康在线作为互联网保险公司，自成立之初便确立了科技驱动的基因，承载着以科技破解传统保险"流 程繁、效率低、覆盖窄"痛点的数字化使命。 泰康在线高度重视科技能力建设，累计科技投入超20亿元，申请专利超400件，构建了云原生架构与智 能化运营体系。通过AI与大模型技术深度赋能业务全链路，实现承保自动化率99%、理赔自动化率 97%，单日最高处理保单超5000万笔，新产品最快30分钟上线。 在智能核保、智能理赔、智能客服等环节，泰康在线实现全面技术突破，有效支撑业务规模化增长与精 细化风控，成为互联网保险领域数字化转型的典范。 据了 ...

Core Insights - Anxin Insurance, once hailed as one of the "Four Little Dragons" of internet insurance, faces severe regulatory penalties as it marks its tenth anniversary, with a risk resolution led by state-owned enterprises now underway [1][11] Regulatory Actions - The National Financial Supervision Administration has imposed a three-year ban on Anxin Insurance from accepting new credit guarantee insurance business, a two-year ban on short-term health insurance, and a six-month ban on vehicle insurance due to violations such as improper use of approved insurance terms and false reporting of claims data [2][12][14] - A total of 77 million yuan in fines has been levied against Anxin Insurance and its responsible personnel, with five senior executives facing industry bans ranging from six to eleven years [5][14] Business Performance - Anxin Insurance experienced rapid growth from 2016 to 2019, with premium income increasing from 0.75 billion yuan to 27.21 billion yuan, but this growth was unsustainable, leading to a dramatic decline in premium income to 3.73 billion yuan by 2021, marking an 86.27% drop [6][16] - The company has faced significant operational challenges, including a negative insurance business income in 2022-2023 and a net asset decline to -735 million yuan by Q3 2024, with solvency ratios plummeting to -871.59% [8][18] Risk Management Failures - Anxin Insurance's aggressive expansion strategy, including the introduction of non-compliant products like "first month free" and "idle time refund," contributed to its downfall, as these innovations violated regulatory standards [7][16] - The company's partnership with Mi Gang Financial for performance guarantee insurance led to substantial liabilities when the latter defaulted, resulting in a significant drop in solvency ratios [6][16] Industry Rescue Efforts - A risk resolution initiative led by state-owned enterprises began as Anxin Insurance faced insolvency, with the company relocating its registration to Suzhou and the establishment of Dongwu Insurance, backed by strong local state-owned financial assets [9][19] - Dongwu Insurance, with a registered capital of 2 billion yuan, has a shareholder structure dominated by local state-owned enterprises, indicating a strategic shift in managing Anxin's legacy issues [19]

Core Viewpoint - Anxin Property Insurance Co., Ltd. has faced severe penalties from the National Financial Regulatory Administration due to multiple violations, marking a significant decline for a company once regarded as a benchmark for innovation in internet insurance [1][19]. Group 1: Violations and Regulatory Actions - Anxin was ordered to suspend new business for credit guarantee insurance for 36 months, short-term health insurance for 24 months, and vehicle insurance for 6 months due to non-compliance with approved insurance terms and inaccurate claims data reporting [20][24]. - A total of 14 individuals were fined 770,000 yuan, with 5 individuals banned from the insurance industry for 6 to 11 years, indicating the severity of the penalties [19][21]. Group 2: Industry Context and Issues - The violations related to terms and rates are typical in the internet insurance sector, where companies often simplify terms to attract customers, leading to high complaint rates when claims are denied due to discrepancies [22][25]. - The industry has seen a rise in disputes, with internet insurance-related cases accounting for over 60% of insurance litigation, highlighting issues such as inadequate disclosure and misleading advertising [25]. Group 3: Financial Crisis and Performance Decline - Anxin's premium income surged from 75 million yuan in 2016 to 2.721 billion yuan in 2019 but began to decline sharply from 2020, with insurance business income even turning negative in 2022-2023 [26][31]. - The company's net assets have been negative since Q4 2020, with a capital shortfall increasing from -191 million yuan to -735 million yuan by Q3 2024, indicating a worsening financial situation [29][30]. Group 4: Operational Failures and Risk Management - The company's aggressive expansion strategy, particularly in high-risk credit guarantee insurance, has led to significant operational failures and regulatory scrutiny, revealing a lack of effective risk management [35][36]. - Anxin's short-term health insurance practices have been criticized for misleading consumers, while its vehicle insurance operations have faced compliance issues, reflecting systemic management failures [37][38].

Core Viewpoint - Anxin Property Insurance Co., Ltd. has been penalized by the financial regulatory authority for various violations, including improper use of approved insurance terms and false reporting of claims data, leading to significant operational restrictions and financial distress [1][2]. Group 1: Regulatory Actions - Anxin Insurance has been ordered to stop accepting new business in credit guarantee insurance for 36 months, short-term health insurance for 24 months, and vehicle insurance for 6 months due to regulatory violations [1]. - A total of 14 responsible personnel from Anxin Insurance received warnings and fines totaling 770,000 yuan, while 5 individuals faced industry bans ranging from 6 to 11 years [1]. Group 2: Financial Condition - As of the end of Q3 2024, Anxin Insurance reported a net asset value of -735 million yuan, with core and comprehensive solvency ratios at -871.59% [1]. - The solvency report for Anxin Insurance has been stagnant since Q3 2024, indicating ongoing financial difficulties [1]. Group 3: Business Developments - Anxin Insurance has previously introduced innovative models such as "Idle Refund" and "First Month 0 Yuan," but has faced multiple regulatory interventions requiring rectification [1]. - Reports indicate that the risk management of Anxin Insurance is nearing completion, with the establishment of Dongwu Insurance, which is expected to take over related business from Anxin Insurance [2].

在数字化浪潮席卷各行各业的今天，互联网保险已成为许多人配置保障的首选渠道。然而，面对平台上 琳琅满目的产品，消费者如何选择一个长期、稳定、可靠的服务伙伴显得尤为关键。 成立于2006年的 慧择保险网，作为中国最早的互联网保险服务平台之一，通过近二十年的深耕，构建了以平台资质、智 能风控、理赔服务、产品矩阵和线上体验为核心的综合优势，在激烈的市场竞争中脱颖而出。 01 平台资质深厚，合作网络广泛 慧择保险网的稳健运营建立在坚实的资质基础之上。平台自2006年成立以来，已拥有近二十年的行业积 淀，是中国互联网保险服务的开拓者。 作为美国纳斯达克上市公司，慧择的资本和合规实力值得信赖。 在合规经营方面，慧择建立了涵盖保 险经纪、保险代理、保险公估三大核心金融监管牌照的全牌照体系，这在行业中资质最为齐全。齐全的 牌照资质确保了慧择在开展业务时的合法性与规范性，为消费者提供了坚实的法律保障。 慧择强大的合作网络覆盖超100家保险公司，包括国内外众多知名险企。广泛的合作网络意味着平台能 够为用户提供更为丰富的产品选择，满足不同年龄、收入和风险偏好用户的多元化保障需求。 截至2025年第二季度，慧择累计投保用户已突破114 ...

市民莫名"被投保" 8个月被扣近500元 11月10日,李先生像往常一样查看手机消息时,一条扣费通知引起了他的注意。该信息显示,他的账户通过 免密支付方式被自动划扣了60.95元。 "平时家人和孩子购物也通过我的账户付款,所以对各类扣款信息已经习以为常,很少细看。"李先生说,在 他印象里,前几个月也收到过同样金额的扣款通知,于是点开看了看,才发现自己已被支付宝平台的好医保· 长期医疗(旗舰版)自动扣费八个月,累计金额近500元。 李先生提供的保单截图显示,其"被投保"的好医保·长期医疗(旗舰版)隶属于中国人民健康保险有限股份 公司,包含保健康悠福保互联网特定疾病医疗保险、人保健康悠福保互联网医疗保险、人保健康金福至 臻互联网重大疾病保险三个险种,累计保险金额为410万元,缴费年期一年,按月缴纳,生效日为2025年4月11 日。 | 币晶型位:人民币元 | | | 信仰哥哥:2 | | | | | --- | --- | --- | --- | --- | --- | --- | | 古東空村 | | | | | | | | 级展/ | | 证作表型:身份证 | 任伴号码: | | | | | 会同成立日: ( ...

Core Viewpoint - The regulatory penalties imposed on Anxin Property Insurance Company mark a significant turning point in the company's struggles, reflecting broader challenges within the internet property insurance industry over the past decade [1][3]. Regulatory Actions - On December 19, the Financial Regulatory Bureau announced severe penalties against Anxin Insurance for violations such as improper use of approved insurance terms and inaccurate claims data, leading to a suspension of several core business operations for varying durations [3][4]. - Specific penalties include a 36-month suspension of new credit guarantee insurance business, a 24-month suspension of new short-term health insurance business, and a 6-month suspension of new vehicle insurance business [3]. Company History and Performance - Anxin Insurance was one of the first four specialized internet insurance companies, receiving its operating license on December 31, 2015, during a time when the industry was expected to thrive [4]. - The company experienced rapid premium growth from 2016 to 2019, with insurance revenue increasing from approximately 75.32 million to 2.72 billion [4]. - However, aggressive expansion strategies led to unsustainable business practices, with the company frequently shifting focus across various insurance sectors without establishing a stable business model [4]. Challenges in Credit Guarantee Insurance - Anxin's significant challenges stemmed from its credit guarantee insurance business, particularly following a partnership with MiGang Financial, which resulted in substantial claims due to widespread defaults [6][7]. - By the end of 2020, Anxin's solvency ratios plummeted to -175.83%, indicating severe financial distress, and by Q3 2024, the net assets were reported at -735 million with solvency ratios at -871.59% [6][7]. Industry Insights - The case of Anxin Insurance highlights a broader trend in the industry where many companies have faced similar pitfalls in credit guarantee insurance, prompting regulatory bodies to enhance oversight and establish stricter operational guidelines [7][8]. - Experts emphasize the need for internet insurance companies to adopt a long-term perspective and integrate technology with core insurance principles, rather than merely focusing on short-term gains [8]. Future Prospects - Anxin Insurance is expected to undergo restructuring, with plans to relocate its registered office to Suzhou, Jiangsu Province, and there are indications that a new company, Dongwu Insurance, may take over some of its business operations [8][9].

Core Viewpoint - The regulatory penalties imposed on Anxin Property Insurance mark a significant turning point for the company, reflecting broader challenges and uncertainties within the internet property insurance industry over the past decade [1][3]. Regulatory Actions - On December 19, the Financial Regulatory Bureau announced severe penalties against Anxin Property Insurance for violations such as improper use of approved insurance terms and inaccurate claims data [3]. - The company is ordered to halt new business in credit guarantee insurance for 36 months, short-term health insurance for 24 months, and vehicle insurance for 6 months [3]. - A total of 14 individuals associated with the company received warnings and fines totaling 770,000 yuan, with several facing long-term bans from the insurance industry [3]. Company History and Performance - Anxin Property Insurance was one of the first four specialized internet insurance companies, receiving its operating license in 2015, a year that marked the beginning of rapid growth for the internet insurance sector [4]. - The company experienced significant premium growth from 2016 to 2019, with insurance revenue increasing from approximately 7.5 million yuan in 2016 to 2.72 billion yuan in 2019 [5]. - However, the company struggled to establish a stable business model, frequently shifting focus among various insurance sectors, which led to unsustainable growth [4][6]. Challenges in Credit Guarantee Insurance - Anxin's troubles were exacerbated by its credit guarantee insurance business, particularly following a partnership with MiGang Financial, which resulted in significant payout pressures when the latter faced widespread defaults [8]. - By the end of 2020, the company's solvency ratios plummeted to -175.83%, indicating severe financial distress [8]. - As of Q3 2024, Anxin's net assets were reported at -735 million yuan, with solvency ratios further declining to -871.59% [8]. Industry Insights - The issues faced by Anxin Property Insurance are not isolated; many companies in the industry have encountered similar challenges with credit guarantee insurance, prompting regulatory bodies to tighten oversight [10]. - Experts emphasize the need for internet insurance companies to adopt a long-term perspective and integrate technology with core insurance principles to navigate market cycles effectively [11]. Future Prospects - Anxin Property Insurance is set to relocate its registration from Beijing to Suzhou, Jiangsu Province, with indications that a new company, Dongwu Insurance, may take over some of its business operations [11]. - The future of Dongwu Insurance and its ability to revitalize the legacy of Anxin remains uncertain and will require market validation [12].