企业风险对冲

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美年健康发布“美企保”,为企业筑牢风险防线
Cai Jing Wang· 2025-07-14 13:11
在当今快速发展的商业环境下,中小企业作为我国经济的重要有生力量,承载着创新发展与促进经济稳定的重任,同 时也面临着诸多不确定性和潜在风险。美年健康凭借其在健康体检和健康管理领域的深厚积累与亿级健康大数据的规 模发展,近日正式推出专为中小型企业定制的团体意外保障方案——"美企保"。 该产品基于亿级规模的健康体检大数据,创新性地将健康体检、疾病预防与风险保障深度融合,专为美年健康企业客 户量身定制,全面覆盖企业体检客户的基础风险,构筑企业员工健康保障的第二道"防火墙"。 据了解,"美企保"突破传统团险框架,以百万级保额和广泛保障范围构筑全场景安全网,重塑企业风险对冲能力。例 如,意外伤残及身故最高保额50万,公共交通工具导致的相关情况最高保额达100万,意外医疗报销额度最高50万, 猝死保障最高25万,还有每日最高 100元的意外住院津贴;同时具备五大特色,行业标准更高、起保人数要求低、职 业分类精细、医院覆盖广泛、保全规则灵活,打破传统保险常规;除身故外的理赔案件均可通过线上APP 提交审核, 理赔时效有保障。 作为中国预防医学领域的领军企业,美年健康年服务客户约3000万人次,积累了覆盖全生命周期的健康大数据 ...
非洲第一大铜矿意外停产,紫金矿业全年盈利预期添悬念
2 1 Shi Ji Jing Ji Bao Dao· 2025-06-16 10:24
Core Viewpoint - Zijin Mining's Kamoa-Kakula copper mine has faced production disruptions due to flooding, leading to a downward revision of its 2025 copper production guidance from 520,000-580,000 tons to 370,000-420,000 tons, raising uncertainties about the company's overall copper output growth for the year [1][3][4] Group 1: Production Impact - The Kamoa-Kakula copper mine is the largest copper mine in Africa and a key asset for Zijin Mining, contributing 194,700 tons of copper in 2024, making it the primary source of copper production growth for the company [1][4] - Following the flooding incident, the company plans to restart mining operations in the western section of the Kamoa-Kakula mine and utilize surface stockpiles to mitigate the impact on production [6][5] - The flooding has resulted in an estimated reduction of 44,000-93,000 tons in Zijin Mining's copper equity production for 2025 [4][6] Group 2: Profitability Outlook - Despite the production challenges, Zijin Mining's overall profitability trend remains positive, supported by expected growth in gold production, which is projected to increase by approximately 16.4% to 85 tons in 2025 [7][8] - The international gold price has seen significant increases, with a year-to-date rise of over 30%, which is expected to positively impact the company's profitability, especially in the gold segment [9][10] - Sell-side institutions have maintained stable earnings forecasts for Zijin Mining for 2025, with estimates generally ranging from 40 billion to 44 billion yuan, and some institutions have even raised their projections [10]