Group 1 - Shenzhen companies are increasingly exploring emerging markets, with a focus on diversifying their business operations, particularly in the oral care consumer goods sector [1] - Financial institutions in Shenzhen are evolving into resource linking and overseas service stations, providing customized and comprehensive solutions for companies venturing abroad [1][2] - The demand from companies for services related to overseas logistics, market access, compliance, tax policies, cross-border financing, and localization is growing [2][3] Group 2 - Banks are not only facilitating resource matching but are also directly involved in advising companies on their overseas operations, offering both financial and non-financial services [3] - The international market is becoming a significant growth area for Chinese commercial banks, with examples like ICBC Brazil focusing on cross-border settlements and trade financing [3][4] - The use of the Renminbi in international trade is increasing, with over 50% of some Latin American countries starting to adopt it for trade and investment, benefiting Shenzhen's private enterprises [3][4] Group 3 - Shenzhen's cross-border insurance services are expanding to cover the entire process of companies going abroad, with a focus on risk mitigation [5] - Common risks faced by companies include exchange rate fluctuations, geopolitical changes, and buyer defaults, which are often excluded from standard insurance coverage [5] - The "Big Protection" insurance program supports small and medium-sized export enterprises, with 22,000 companies signing up in 2024, facilitating exports worth $90.91 billion, a 27.5% increase [5][6]

这样的职业选择并不鲜见。去年以来，不少代理人在社交平台上晒出"赴港卖险"的经历，引发内地保险 业的关注和讨论。 "赴港卖险"新现象背后，有哪些原因？《证券日报》就此独家采访了香港保险业监管局（以下简称"香 港保监局"），以及多位香港保险代理人、内地保险精算师等从业者。综合来看，内地居民对全球资产 有较强配置需求，香港保险市场的差异化产品、高活跃度和高渗透率等因素，共同驱动内地人才"赴港 卖险"。 香港保险代理人胡蓉萍最近很忙，频繁往返于香港和深圳，同时，她的团队又引入两位合伙人一起打 拼。据了解，胡蓉萍曾在一家互联网大厂任职近10年，于去年从内地"转战"香港保险市场。 值得关注的是，为满足内地消费者的跨境保险需求，监管部门已在积极行动。中国人民银行等五部门近 日联合印发的《关于金融支持广州南沙深化面向世界的粤港澳全面合作的意见》明确提到，构建便利开 展跨境保险业务的交易规则。 个案与群像 去年，胡蓉萍顺利通过高才计划（高端人才通行证计划）拿到香港居民身份，并通过五门香港保险考试 后，在香港保监局挂牌执业。"这是目前我最喜欢、最有成就感的角色。"胡蓉萍对记者表示，"我的想 法是从保险切入，在香港为朋友们提供更全 ...