本报讯 记者孙榕报道 为切实保护广大金融消费者合法权益，近日，河北金融监管局发布《关于购 买境外保险的风险提示》，从资质合规、行为边界、产品风险、购买渠道等多方面对消费者作出明确提 醒。 四是如确有需求，请通过合法渠道购买保险，切勿参与"地下保单"等违规交易，谨慎对待以"高收 益"为卖点的投资型产品。 一是任何公司推介、宣传、销售保险产品均需持有金融监督管理部门发放的保险许可证或保险中介 许可证。任何个人销售保险产品均应在其所属的保险公司或保险中介机构进行执业登记。 责任编辑：韩胜杰 二是持牌机构、保险从业人员超出业务范围，宣传、推介、销售或组织安排购买境外保险机构产 品，均属于违法违规行为。 三是境外保单不受我国境内法律保护，投保境外保险产品存在汇率或外汇政策变化、保单收益不确 定、理赔成本高、维权难度大等诸多风险，消费者应高度警惕，谨慎对待。 ...

二是持牌机构、保险从业人员超出业务范围，宣传、推介、销售或组织安排购买境外保险机构产品，均 属于违法违规行为。 为切实保护广大金融消费者合法权益，近日，河北金融监管局发布《关于购买境外保险的风险提示》， 从资质合规、行为边界、产品风险、购买渠道等多方面对消费者作出明确提醒。 一是任何公司推介、宣传、销售保险产品均需持有金融监督管理部门发放的保险许可证或保险中介许可 证。任何个人销售保险产品均应在其所属的保险公司或保险中介机构进行执业登记。 三是境外保单不受我国境内法律保护，投保境外保险产品存在汇率或外汇政策变化、保单收益不确定、 理赔成本高、维权难度大等诸多风险，消费者应高度警惕，谨慎对待。 四是如确有需求，请通过合法渠道购买保险，切勿参与"地下保单"等违规交易，谨慎对待以"高收益"为 卖点的投资型产品。（记者 孙榕） （责任编辑：马欣） ...

Regulatory Voice - The Financial Regulatory Bureau emphasizes the importance of disaster response and insurance claims services during the main flood season, urging relevant units to enhance resource investment and streamline claims processes to support affected areas like Beijing and Hebei [1] - The Financial Regulatory Bureau has issued guidelines for the sustainable development of urban commercial health insurance, focusing on inclusivity, product management, risk management, and market order [1] Industry Focus - The predetermined interest rate for traditional life insurance products has been lowered by 50 basis points to 2.0%, with the guaranteed interest rate cap for participating insurance reduced to 1.75% [3] - The insurance industry reported a total premium income of 3.74 trillion yuan in the first half of the year, a year-on-year increase of 5.04%, with life insurance premiums growing by 5.34% [4] - Property insurance companies reported a combined profit of 87.59 billion yuan in Q2 2025, a 68.08% increase year-on-year, with 63 companies profitable [5] Corporate Dynamics - Zhongyi Property Insurance has received approval to increase its registered capital from 1.3 billion yuan to 1.692 billion yuan [7] - China Ping An has appointed Wang Xiaohang as the Chief Technology Officer [10] - Qian Fang is temporarily assuming the role of chairman at Guolian Life Insurance pending regulatory approval [11]

持牌机构、保险从业人员超出业务范围，宣传、推介、销售或组织安排购买境外保险机构产品，均属于 违法违规行为。 如确有需求，请通过合法渠道购买保险，切勿参与"地下保单"等违规交易，谨慎对待以"高收益"为卖点 的投资型产品。 北京商报讯（记者 李秀梅）7月30日，河北金融监管局表示，近期，境外保险产品热度上升，但其中暗 藏诸多风险，为切实保护广大金融消费者合法权益，现就购买境外保险的风险提示如下： 任何公司推介、宣传、销售保险产品均需持有金融监督管理部门发放的保险许可证或保险中介许可证。 任何个人销售保险产品均应在其所属的保险公司或保险中介机构进行执业登记。 境外保单不受我国境内法律保护，投保境外保险产品存在汇率或外汇政策变化、保单收益不确定、理赔 成本高、维权难度大等诸多风险，消费者应高度警惕，谨慎对待。 ...