南方财经全媒体记者 林汉垚 在政策引导、市场驱动与技术变革的多重因素推动下，中国保险业数字化转型正步入加速道，深刻重塑 服务模式与核心流程。 不仅监管政策在指引保险业进行数字化转型升级，市场需求也在实实在在地推动保险业加速转型。 过去十年，保险行业经历了从"规模驱动"到"客户导向"的深刻转变。而随着移动互联网与AI技术的发 展，客户需求的线上化、场景化、个性化趋势愈发显著。保险业已从单纯的产品竞争转向服务与体验的 较量，在信息透明化、选择多样化的今天，客户拥有前所未有的选择主动权。 以客户为中心进行体验升级，已成为保险机构构建核心竞争力的关键路径。腾讯云副总裁胡利明指出， 传统核心系统在灵活性、响应速度、数据治理等方面的短板日益凸显。与此同时，监管对数据安全、系 统自主可控的要求不断提升，行业亟需通过技术底座的重构实现"提质、降本、增效"的均衡发展。 记者在调研中了解到，中国人寿保险股份有限公司（以下简称"中国人寿"）早已依托科技手段，建立线 上线下多触点服务格局。该公司推出的互联网服务平台"中国人寿寿险"APP共计可为客户提供160项服 务功能。截至目前，"中国人寿寿险"APP注册用户1.6亿人，月活用户突 ...

来源：市场资讯 暖哇科技成立于2018年，经过七年的行业深耕，已从最初的探索者成长为保险AI科技头部企业，助力 保险业高质量发展。 在保险行业数字化转型加速的背景下，这家由众安在线与红杉中国联合孵化的科技企业，凭借其在保险 AI领域的深耕与突破，正成为资本市场关注的焦点。业内人士注意到，成立七年来，暖哇科技在保险 AI科技赛道完成了深厚积累，正以AI技术重塑保险业数字化生态，不断推动着保险行业向数字化、智 能化新阶段迈进。 保险业数字化转型迫切，AI科技成破局关键 近年来，中国保险行业正经历着前所未有的数字化转型浪潮。 国联民生证券研报显示，2019年至2022年，我国保险行业的金融科技投入由276.4亿元增长至451.3亿 元，年复合增速达17.8%，反映出行业对科技赋能的迫切需求。这一趋势背后，是传统保险业务模式面 临的诸多挑战：承保流程繁琐导致客户转化率低，理赔审核效率低下影响用户体验，风险评估精准度不 足推高赔付成本等。 而与保险业旺盛转型需求对应的，是AI科技在业内的持续落地应用。弗若斯特沙利文研究指出，在保 险行业内，AI正逐步从边缘工具转变为核心业务的推动引擎；AI无缝集成于包括营销、承保、理赔 ...

Group 1: Employment Opportunities in the Insurance Industry - The insurance industry is actively responding to the "stabilizing employment and benefiting people's livelihoods" policy by creating over 6,300 job positions for the 2026 graduates [1] - The recruitment demand for fresh graduates in the insurance sector has remained high, with companies like China Life Insurance and Ping An offering thousands of positions [1][2] - The industry has developed a diversified job system, covering traditional core business roles and emerging technology and management positions, catering to various professional backgrounds [2] Group 2: Support for Small and Micro Enterprises - The insurance industry provides customized insurance products to small and micro enterprises, helping them transfer operational risks and stabilize their business, thereby indirectly safeguarding employment [3] - Recent years have seen the introduction of various insurance products aimed at small businesses, addressing their coverage gaps [3] - Insurance companies are exploring innovative service models to offer comprehensive protection for small enterprises across multiple sectors [3][4] Group 3: Expanding into New Employment Forms - The insurance sector is expanding its services to cover new employment forms, such as providing targeted accident insurance for migrant workers [5] - The industry has made significant progress in offering occupational injury protection for new employment forms, with pilot programs expanding across multiple provinces [6] - The development of new insurance products, such as long-term care insurance and green insurance, is creating new job opportunities and driving growth in related training sectors [6]

Group 1 - The core viewpoint of the articles highlights the performance and valuation of Zhongyou Capital, which closed at 8.52 yuan with a PE ratio of 25.69 times, indicating a relatively lower valuation compared to the industry average of 48.31 times [1][2] - Zhongyou Capital's total market capitalization is reported at 107.71 billion yuan, ranking 12th in the multi-financial industry based on PE ratio [1][2] - As of March 31, 2025, Zhongyou Capital has 179,183 shareholders, with an average holding value of 352,800 yuan and an average shareholding of 27,600 shares [1] Group 2 - The company's main business includes the production, sales, and research of financial products, focusing on external investments, investment management, and investment consulting [1] - Recent awards received by the company include recognition for excellent cases in financial aging services and digital transformation in the insurance industry for 2024 [1] - The latest financial results for the first quarter of 2025 show a revenue of 8.947 billion yuan, a year-on-year decrease of 7.77%, and a net profit of 1.269 billion yuan, down 26.57% year-on-year, with a sales gross margin of 0.59% [1]

Group 1 - The core viewpoint of the article highlights the performance and valuation of Zhongyou Capital, which closed at 9.1 yuan with a PE ratio of 27.44 times, significantly lower than the industry average of 43.67 times [1][2] - As of March 31, 2025, Zhongyou Capital had 179,183 shareholders, a decrease of 26,205 from the previous period, with an average holding value of 352,800 yuan and an average shareholding of 27,600 shares [1] - The company specializes in financial products, including external investments, investment management, and consulting, and has received several awards for its services in financial aging and digital transformation in the insurance industry [1] Group 2 - The latest financial results for Zhongyou Capital show a revenue of 8.947 billion yuan for Q1 2025, representing a year-on-year decrease of 7.77%, and a net profit of 1.269 billion yuan, down 26.57% year-on-year, with a gross profit margin of 0.59% [1] - In terms of valuation metrics, Zhongyou Capital's PE (TTM) is 27.44, while the static PE is 24.73, and the price-to-book ratio is 1.12, with a total market capitalization of 115.043 billion yuan [2] - The industry average PE is 43.67, with a median of 30.27, indicating that Zhongyou Capital ranks 12th among its peers in the diversified financial sector [2]

Core Viewpoint - The recent trend of branch closures in the insurance industry reflects a strategic shift towards digitalization and high-quality development, moving away from traditional marketing models reliant on physical locations [1][2][4]. Summary by Sections Industry Overview - Over 1,000 insurance branches have been closed nationwide in the first five months of 2025, marking a year-on-year increase of over 20% compared to the same period in 2024 [2][3]. - Life insurance companies account for approximately 80% of the branch closures, with 805 branches shut down, while property insurance companies closed 223 branches [2]. Strategic Adjustments - The closures are part of a broader trend of "thinning" in the insurance sector, driven by the need for cost optimization and improved operational efficiency [4]. - The shift towards digital channels has reduced the reliance on physical branches, as online purchasing rates for insurance have increased from 73% in 2023 to 78% in 2024 [4][5]. Historical Context - The trend of branch closures has been ongoing for several years, with significant increases noted: 971 branches closed in 2020, 2,197 in 2021, peaking at 2,966 in 2022, and then declining to 2,065 in 2023 [3]. Future Outlook - Despite the rise of online channels, physical branches still hold core value, particularly for high-value long-term insurance products that require trust-building through face-to-face interactions [5]. - The role of physical branches is expected to evolve into "experience centers" and "service centers," complementing online channels to create a comprehensive customer service network [5].

Core Viewpoint - The insurance industry is undergoing a significant transformation with a notable reduction in branch offices, reflecting a strategic shift towards digitalization and high-quality development [1][4][6]. Summary by Sections Branch Office Closures - Over the first five months of this year, 1,028 branch offices were closed nationwide, marking a year-on-year increase of over 20% [4]. - Life insurance companies accounted for a significant portion of these closures, with 805 branches shut down, while property insurance companies closed 223 branches [4]. - The closures are primarily concentrated in county areas and some third- and fourth-tier cities [4]. Industry Trends - The trend of branch office closures indicates a shift from extensive expansion to refined operations, driven by intensified competition [4][5]. - The operational costs of traditional branch offices exceed one million yuan annually, and closing inefficient branches can reduce the comprehensive cost ratio by 0.3 to 0.5 percentage points [5]. - The online insurance purchasing rate is projected to reach 78% by 2024, further diminishing reliance on physical branches [5]. Future Outlook - The pace of branch office closures is expected to slow down, with a significant number of inefficient offices already eliminated [7]. - The insurance industry is anticipated to focus on "selective layout" in economically active areas moving forward [7]. - Despite the closures, branch offices still hold core value in providing customized insurance solutions and fostering customer trust [8]. Differentiated Development - Different scales of insurance companies exhibit significant differences in branch office establishment, with large companies maintaining extensive networks while smaller firms focus on core regional sales and services [9]. - Large insurance companies are encouraged to upgrade branches into experience centers, while smaller firms should leverage third-party channels and focus on regional specialties [9].

Group 1 - The core viewpoint of the articles highlights the performance and valuation of Zhongyou Capital, which closed at 7.14 yuan with a PE ratio of 21.53 times, significantly lower than the industry average of 70.45 times [1][2] - As of March 31, 2025, Zhongyou Capital had 179,183 shareholders, a decrease of 26,205 from the previous period, with an average holding value of 352,800 yuan and an average shareholding of 27,600 shares [1] - The company operates primarily in the financial sector, focusing on the production, sales, and research of financial products, including external investments, investment management, and consulting services [1] Group 2 - In the latest quarterly report for Q1 2025, Zhongyou Capital reported revenue of 8.947 billion yuan, a year-on-year decrease of 7.77%, and a net profit of 1.269 billion yuan, down 26.57% from the previous year, with a sales gross margin of 0.59% [1] - The company has received several awards, including recognition for excellent cases in financial aging services and digital transformation in the insurance industry [1]