从"卖方销售"向"买方投顾"转型 本届"新财富新投资先锋案例"分别来自证券、公募基金、银行理财等行业机构，包括广发证券、万联证 券、粤开证券、东莞证券、易方达基金、广发基金、招银理财、兴银理财、信银理财、中银理财、宁银 理财。 从入选案例的整体特征来看，获奖机构围绕"产品普惠创新、服务模式升级、数字科技赋能、实体精准 滴灌、价值生态守护"五大普惠评审维度形成多元创新路径，共同推动财富管理与投资业务向重投资者 回报、服务实体的深刻转变，展现出鲜明的行业发展趋势。 12月23日，南方都市报社、湾财社举办的第14届金融行业年度评鉴活动顺利举行。本届评鉴以"创新服 务惠大众・金融赋能启新程"为主题，并在资本市场投融资改革持续深化与低利率环境下，首次增设"新 财富新投资先锋案例"评选。 经过前期多轮专业评审，本届"新财富新投资先锋案例"在活动现场正式亮相。这些案例来自多家证券、 公募基金、银行理财等行业机构，在"产品普惠创新、服务模式升级、数字科技赋能、实体精准滴灌、 价值生态守护"五大评审维度上，充分展示了2025年资本市场各类机构向重投资者回报、服务实体经济 等深刻转变。 图说：新财富新投资先锋案例获奖机构。 例如 ...

Core Insights - The rise of short-term critical illness insurance products is being driven by their affordability and flexibility, appealing to consumers with limited budgets who seek immediate coverage [1][4][5] Summary by Sections Product Features - Short-term critical illness insurance typically offers coverage for one year, with premiums around 100 yuan, making it an attractive option for budget-conscious consumers [1] - Coverage amounts can be selected based on individual needs, with options for 200,000, 500,000, or 1,000,000 yuan [1] - Many products have a flexible age limit, covering individuals up to 70 years old [1] Consumer Feedback - Consumers like Mr. Wu and Mr. Deng have expressed satisfaction with short-term critical illness insurance, highlighting its affordability and the ability to provide financial support for unexpected medical expenses [2] - Mr. Deng noted that the option for monthly premium payments helps alleviate financial pressure when insuring multiple family members [2] Market Trends - The popularity of short-term critical illness insurance is partly due to the rising costs of traditional health insurance products, which have seen average premiums increase to 300-600 yuan [4] - Insurance companies are strategically introducing low-cost short-term products to fill the gap in the market for middle and lower-income consumers [4] Limitations - Short-term critical illness insurance lacks guaranteed renewability, requiring consumers to reapply each year, which poses a risk of being denied coverage as they age [3][4] - The payout structure differs significantly from traditional long-term insurance, with lower maximum claims and potential out-of-pocket expenses for policyholders [3] Target Demographics - Short-term critical illness insurance is particularly suited for two groups: young graduates seeking temporary coverage and individuals already holding long-term insurance looking for additional short-term protection [5]