【环球网财经综合报道】近日，广东金融监管局相关部门正式印发《关于支持我省保险业高质量发展助力广东在中国 式现代化建设中走在前列的指导意见》（下称《指导意见》）。《指导意见》紧扣广东"走在前、作示范、挑大梁"的 定位，以强监管、防风险、促高质量发展为主线，是为加快建设金融强省，切实发挥保险经济"减震器"和社会"稳定 器"功能，助力筑牢经济安全网、社会保障网和灾害防控网。 数据显示，广东金融业发展态势强劲，增加值已突破万亿元大关，保险业成为广东高质量转型发展的"金引擎"。截至 2025年三季度末，广东银行业保险业总资产超过44万亿元，占全国的8.78%，年均增长超8%，"险资入粤"投资规模达 2.26万亿元。在此基础上，《指导意见》进一步明确了保险业的功能定位，引导行业从单纯追求业务规模转向更加注 重风险保障、预期稳定和制度支撑功能。 为服务科技创新，广东将建立"全链条、多层次、可持续"的科技保险体系。《指导意见》引导保险机构聚焦研发损 失、设备损失、专利保护、网络安全等重点领域，以及科技成果首试首用、中试验证等关键环节，丰富科技保险产 品。特别支持首台（套）重大技术装备保险、重点新材料首批次应用保险等推广应用， ...

Core Viewpoint - The recent surge in demand for Hong Kong insurance products, particularly dividend insurance, has attracted attention due to the lowered demonstration interest rates, leading many mainland residents to travel to Hong Kong for purchases, despite underlying risks [1][3]. Group 1: Market Trends - The total insurance premium from mainland visitors to Hong Kong in 2024 reached HKD 627.98 billion, a 6.49% increase from HKD 589.71 billion in 2023 [3]. - In 2024, the quarterly breakdown of premiums shows HKD 156 billion in Q1, HKD 141 billion in Q2, HKD 170 billion in Q3, and a significant contribution of 29% to Hong Kong's new policy premiums [3]. - The demand for new business premiums is primarily driven by whole life and savings insurance, which together account for 62.1% of new policies, with whole life insurance at 58.5% and savings insurance at 3.6% [5]. Group 2: Regulatory Concerns - The Hebei Financial Regulatory Bureau issued warnings about the risks associated with purchasing overseas insurance, highlighting that such policies are not protected under domestic laws and carry various risks including exchange rate fluctuations and high claims costs [3][6]. - The Hong Kong Insurance Authority has emphasized the importance of purchasing insurance through legitimate channels and avoiding illegal transactions, particularly those promising high returns [3][8]. - The Hong Kong Insurance Authority has been actively combating illegal sales and has a zero-tolerance policy towards unlicensed insurance sales, with severe penalties for violations [9][10]. Group 3: Consumer Guidance - The Hong Kong Insurance Authority advises mainland visitors to follow seven key guidelines when purchasing insurance in Hong Kong, including personally visiting, avoiding unlicensed agents, and understanding product features and risks [8]. - The differences in legal and regulatory frameworks between Hong Kong and mainland China necessitate that consumers familiarize themselves with local insurance laws and potential policy changes [6][10].

Core Insights - The recent surge in demand for Hong Kong insurance products, particularly dividend insurance, has drawn significant attention due to a reduction in demonstration interest rates, prompting many mainland residents to travel to Hong Kong for purchases [1][2] - The Hebei Financial Regulatory Bureau has issued warnings regarding the risks associated with purchasing overseas insurance, highlighting the lack of legal protection under mainland laws and various financial risks [2][4] Group 1: Market Trends - In 2024, mainland visitors purchased insurance in Hong Kong amounting to HKD 62.798 billion, a 6.49% increase from HKD 58.971 billion in 2023 [2] - The first quarter of 2024 saw insurance premiums of HKD 15.6 billion, followed by HKD 14.1 billion in the second quarter, HKD 17 billion in the third quarter, and HKD 16.1 billion in the fourth quarter [2] - Mainland visitors accounted for 29% of the total new insurance premiums in Hong Kong, indicating a significant market share [2] Group 2: Regulatory Environment - The Hong Kong Insurance Authority has reduced the maximum demonstration interest rate for dividend insurance from 7% to 6.5% as of July 1, 2023, which has led to increased marketing efforts by intermediaries [3][4] - The Hong Kong Insurance Authority is currently reviewing the collection of insurance data from non-local policyholders and will not release specific statistics on mainland visitors until this review is complete [3] Group 3: Risks and Warnings - The Hebei Financial Regulatory Bureau has cautioned consumers about the risks of overseas insurance, including exchange rate fluctuations, uncertain policy returns, high claims costs, and difficulties in rights protection [2][4] - The complexity of insurance products and long lock-in periods can lead to liquidity constraints, necessitating careful risk assessment by consumers [4] - The Hong Kong Insurance Authority has emphasized the importance of purchasing insurance through legitimate channels and avoiding illegal transactions, particularly those involving unlicensed intermediaries [5][6] Group 4: Industry Practices - The sales practices of third-party brokerage firms often involve higher commissions, which can lead to unethical behavior, such as offering kickbacks or incentives to clients [6] - The Hong Kong Insurance Authority has a zero-tolerance policy towards unlicensed sales, with severe penalties for violations, including imprisonment and fines [6][7] - Recent collaborative efforts between the Hong Kong Insurance Authority and the Independent Commission Against Corruption aim to combat suspicious cross-border sales activities [7]

Core Insights - The surge in demand for Hong Kong insurance products among mainland visitors is met with regulatory warnings about potential risks associated with overseas insurance purchases [1][4][6] - The Hong Kong insurance market is experiencing significant growth, with new policy premiums reaching a record high in 2024, driven largely by mainland visitors [2][3] Group 1: Regulatory Environment - The Hebei Financial Regulatory Bureau has issued warnings regarding the risks of purchasing overseas insurance, highlighting that such policies are not protected under mainland laws and carry various risks including exchange rate fluctuations and high claims costs [1][4] - The Hong Kong Insurance Authority has been actively monitoring and regulating the sale of insurance products to ensure compliance and protect consumer rights [6][8] Group 2: Market Trends - In 2024, the total new policy premiums in Hong Kong's insurance market reached 219.8 billion HKD, marking a 22% year-on-year increase, with mainland visitors contributing 62.8 billion HKD, a 6.5% increase [2] - The first quarter of 2025 saw a further increase in new policy premiums to 93.4 billion HKD, a 43.1% rise compared to the previous year, indicating sustained interest from mainland consumers [2] Group 3: Consumer Behavior and Risks - Mainland consumers are advised to be cautious when purchasing insurance in Hong Kong, with recommendations to engage only with licensed agents and to understand the terms and risks associated with the products [4][5] - Risks identified for mainland visitors include currency risk, legal discrepancies, and information asymmetry regarding product terms [4][5]

Core Insights - The surge in demand for Hong Kong insurance products among mainland visitors is met with regulatory warnings about potential risks associated with overseas insurance purchases [1][2][4] - The Hong Kong insurance market is experiencing significant growth, with new policy premiums reaching a record high, driven largely by mainland visitors [2][3] Regulatory Environment - The Hebei Financial Regulatory Bureau has issued a risk warning regarding overseas insurance, highlighting illegal sales practices and the lack of legal protection for such policies in mainland China [1][6] - The Hong Kong Insurance Authority has been actively monitoring and regulating the sale of insurance products to ensure compliance and protect consumer rights [4][8] Market Trends - In 2024, the total new policy premiums in Hong Kong reached 219.8 billion HKD, a 22% increase year-on-year, with mainland visitors contributing 62.8 billion HKD, marking a 6.5% growth [2] - The first quarter of 2025 saw new policy premiums of 93.4 billion HKD, a 43.1% increase compared to the previous year, indicating a continued upward trend in the market [2] Consumer Behavior - Mainland visitors are increasingly drawn to Hong Kong for insurance purchases due to the variety of financial products and services available, as well as the region's regulatory framework [3] - Consumers are advised to be cautious and informed when purchasing insurance, emphasizing the importance of understanding product terms and avoiding illegal sales channels [4][5] Risks and Challenges - Key risks for consumers include exchange rate fluctuations, legal discrepancies, and information asymmetry regarding insurance products [4][5] - The absence of a direct insurance protection mechanism in Hong Kong, unlike mainland China, raises concerns about consumer safety and claims processing [4][6]