2026年伊始，国家金融监督管理总局多地分局陆续发布撤销保险公司分支机构的批复，阳光人寿、中信 保诚人寿、大地财险等机构的相关分支机构正式退出历史舞台。 《每日经济新闻》记者注意到，上述撤销批复只是保险机构撤销分支机构动作的"冰山一角"。据记者不 完全统计，2025年保险机构已有3102家分支机构关停；2020年以来的6年间，被裁撤的保险分支机构数 量合计达13379家。从分支机构退出的构成来看，营销服务部占退出数量的大多数，其次为支公司、中 心支公司。 "营销服务部的功能比较单一，裁撤的阻力最低，因此更容易被裁撤、被取代。"对外经济贸易大学保险 学院教授王国军1月4日通过微信向《每日经济新闻》记者表示，单纯做保险营销的网点将逐渐失去生命 力，及时转型为社区康养服务提供中心的网点将会大行其道。基层网点职能将聚焦在较为复杂的业务领 域，如中高端医疗、社区和居家康养服务、财富管理与传承等方面。 降本增效与数字化驱动 保险分支机构是保险公司对保险销售人员进行管理、为客户提供保险服务的机构。在保险行业快速发展 的阶段，保险分支机构作为下沉到县域市场的营销神经末梢曾经遍地开花。但随着保险行业发展环境的 变化、代理人数量 ...

来源：巨潮WAVE 2018年8月，泡泡玛特正式成立海外事业中心，开始拓展海外市场。 彼时，泡泡玛特整个公司也就600多人，年营收刚刚突破5亿元，海外业务一无所有，但创始人王宁笃定，"海外业务能达到公司一半收入"。 短短7年之后，泡泡玛特海外市场贡献了约50%的销售额，目标达成。 类似泡泡玛特的案例，近年来其实屡见不鲜。小米、名创优品等新一代中国企业，都在全球商业舞台展现了惊人的"中国速度"。它们仅用了10年左右，就 完成了全球化大规模布局，跻身世界品牌行列。从2015到2025，小米集团海外营收已从年收入40.6亿元增长到半年收入749亿元，增幅超17倍；名创优品 自2015年在新加坡开设首家海外门店起，截至2025年6月底，海外门店数量已达3307家，海外业务收入35.34亿元，占品牌总收入的40.9%...... 这种速度，与传统消费巨头的全球化历程形成了鲜明反差。回顾商业史，可口可乐、麦当劳、星巴克等无一不是耗费了数十年甚至上百年的漫长积累才建 立起如今的全球化版图。 "本质原因是全球化的驱动内核发生了根本变革，这是一场由数字化驱动的结构性降维打击"，全球支付平台PingPong联合创始人卢帅分享道。 ...

金融监管总局近日发布的三季度保险业主要监管指标数据显示，前三季度，保险公司原保险保费收入 5.2万亿元，同比增长8.5%；赔款与给付支出1.9万亿元，同比增长7.6%；新增保单件数846亿件，同比 增长7.9%。 随着行业整体运行态势向好，保险业务的结构性变化日益显现，互联网保险正加快融入行业运行体系。 规模持续扩大 近年来，互联网保险进入稳步增长区间。元保集团和清华大学五道口金融学院中国保险与养老金融研究 中心联合发布的《中国互联网保险发展报告（2024）》（以下简称《报告》）显示，2013年至2023年 间，我国互联网保险保费规模由290亿元增长至约4949亿元，年均复合增长率超过30%。未来5年，互联 网保险年均增速将稳定在15%到20%之间。 对此，中央财经大学中国精算科技实验室主任陈辉表示，从长期趋势看，互联网保险确实推动了保险业 规模扩张和结构变化，但其发展并非简单的线性上行。回顾过去，互联网保险增速呈现出一定波动性， 与监管政策和业务合规要求的调整高度相关。这也说明，互联网保险仍处在创新与稳健发展不断磨合的 阶段，其增长质量和制度适配性同样值得关注。 从公司主体看，目前开展互联网业务的人身险公司 ...

Financial Data and Key Indicator Changes - Total assets reached TWD 52 trillion, with loans exceeding TWD 30 trillion, an increase of TWD 1.8 trillion, and customer deposits nearly TWD 37 trillion, up by TWD 2.1 trillion [4] - Operating income was TWD 409.1 billion, up by 1.8% [4] - Net profit reached TWD 168.8 billion, maintaining a leading position [5] - Return on Assets (ROA) and Return on Equity (ROE) were 0.67% and 8.82% respectively, with a cost-to-income ratio of 25.27% [5] - Net Interest Margin (NIM) was 1.3%, a decrease, while the Capital Adequacy Ratio (CAR) was 19.54% [6] Business Line Data and Key Indicator Changes - Corporate loans increased by TWD 1.35 trillion, with personal loans maintaining rapid growth [8] - SciTech loans totaled TWD 6 trillion, up by 20%, while green loans exceeded TWD 6 trillion, up by 16.4% [8] - Pension finance loans increased by 17.3%, with over 2 million customers [9] - Loans invested in the manufacturing industry totaled TWD 200 billion, with long-term loans at TWD 2.4 trillion [9] Market Data and Key Indicator Changes - The number of personal customers in mobile banking and users in e-commerce continues to lead the market [9] - The international network reached 69 countries and regions, with over 400 overseas institutions [13] - Cross-border RMB business totaled TWD 5.1 trillion [12] Company Strategy and Development Direction - The company focuses on five transformations: intelligent risk control, modern layout, digital driver, diversified structure, and ecological foundation [3][10] - The strategy emphasizes high-quality development while supporting the economy's recovery [4] - The company aims to enhance its internationalization and diversification to tackle low NIM environments [35] Management's Comments on Operating Environment and Future Outlook - Management highlighted the importance of balancing growth with stability, aiming for average growth rather than excess [25][31] - The outlook for the second half of the year anticipates continued pressure on NIM, but with a narrowing pace of decline [64] - The company remains confident in its ability to maintain stable NIM and support the real economy [64] Other Important Information - The company distributed TWD 109.8 billion in cash dividends, with a dividend yield of approximately 4.25-4.58% [7][32] - The provision coverage ratio increased to 217.71%, enhancing risk resilience [6][29] Q&A Session Summary Question: Operational highlights in the first half and full year growth expectations - Management emphasized achieving positive growth in operating income and net profit, aligning with market trends and supporting the real economy [24][26] Question: Measures taken to maintain asset quality and increase personal consumption loans - Management detailed proactive credit risk management and a focus on major national strategies to ensure stable development [38][39] Question: Progress in internationalization and diversification - The company reported steady progress in its international network and diversification efforts, supporting foreign trade and capital [48][50] Question: Outlook on NIM stability - Management acknowledged a decline in NIM but expressed confidence in maintaining competitive advantages through effective asset-liability management [59][64] Question: Investment and financing sectors - The company highlighted targeted investments in technology finance and support for new productive forces, maintaining a leading position in the market [70][72] Question: Capital planning and future dividend policy - Management confirmed a focus on maintaining a strong capital adequacy ratio and a stable dividend payout ratio, with plans for future capital improvements [88][91]

Core Viewpoint - The company, Kidswant, reported a significant increase in both revenue and profit for the first half of 2025, driven by strategic store upgrades and supply chain optimization [1] Financial Performance - Kidswant achieved a revenue of 4.911 billion yuan, representing an 8.64% year-on-year increase [1] - The net profit attributable to shareholders was 143 million yuan, a substantial increase of 79.42% year-on-year [1] - The net cash flow from operating activities reached 999.8 million yuan, up 18.28% year-on-year [1] Store Performance - Despite revenue growth, there were declines in store efficiency and average sales per store across all regions [3][4] - Store efficiency in East China, Southwest, Central China, and other regions showed declines of -8.82%, -5.29%, -11.03%, and -13.76% respectively [3][4] - Average sales per store in these regions also decreased, with East China at 1.4372 million yuan (-4.01%), Southwest at 1.4626 million yuan (-1.20%), Central China at 1.2921 million yuan (-11.16%), and others at 1.0915 million yuan (-9.24%) [3][4] Store Expansion and Structure - As of June 30, 2025, Kidswant and Lejoy had a total of 1,165 stores, including both direct-operated and franchised stores [5] - During the first half of 2025, Kidswant opened 49 new stores and closed 37, resulting in a total of 1,058 stores at the end of the period [5] - The company is actively expanding its franchise model and has launched over 200 stores in various stages of operation [6] Strategic Initiatives - Kidswant is implementing a "three expansions" strategy to diversify its business into personal care, skincare, and AI technology, amidst a slowing growth rate in the maternal and infant market [6] - The company has partnered with Beijing Volcano Engine Technology Co., Ltd. to develop AI-driven products, including a series of emotional companion dolls [6] Acquisition Activity - Kidswant completed the acquisition of Siyi Industrial, a leading company in the hair care sector, for 4.29 billion yuan, acquiring a 65% stake [7] - Siyi Industrial reported a revenue of 723 million yuan in 2024, with a net profit of 181 million yuan [7]

2025第12届世界化学工程大会暨第21届亚太化工联盟大会（WCCE 12 & APCChE 2025）将于2025年7月14日至18日在北京市国家会议中心（CNCC） 隆重举行！作为 全球化工领域历史悠久、学术领先的"奥林匹克级别"盛会 ，大会以"迎接全球挑战的化学工程范式变革"为主题，旨在探索全球化工领域 的创新技术和解决方案。 登录大会官方网站www.wcce12.com提交您的论文摘要。 (注：投稿前，论文内容需先经初审合规审查，请务必与对接工作人员取得联系，初稿审核无误后方可进行正式投稿。） 请选择投稿至"化工新材料与未来化工产业"分会场。 投稿联系人 目前，化工新材料正推动化工行业向绿色、智能、可持续的未来迈进。 由中石油（上海）新材料研究院承办的 "化工新材料与未来化工产业" 分会场 现面向有关单位、专家和学者征集摘要（论文），将有关事宜通知如下： 分会场概况 分会场名称： 化工新材料与未来化工产业 会议主题： 创新、可持续发展与数字化驱动的化工新材料产业未来 征文主题 全球化工新材料与化工行业发展趋势、面临的挑战与未来发展机遇。 化工新材料的最新创新成果。 包括新材料的设计、合成、表征、功能等 ...