12月31日金融一线消息，据河南金融监管局网站，河南银行业保险业"十四五"期间服务实体经济成效显 著。 据介绍，截至目前，全省银行业保险业总资产近15万亿元，总负债14.85万亿元，资产负债规模较"十三 五"末增长50%。全省银行业本外币存款余额从7.76万亿元增加到11.79万亿元，增长52.07%；贷款余额 从6.41万亿元增加到9.27万亿元，增长44.58%。 保险业同步壮大。2024年末，全省保险深度与保险密度分别为4.25%和2761.43元/人，保险密度较"十三 五"末增长9.49%。今年以来，全省原保险保费收入2705.86亿元、赔付支出1121.06亿元，居中部首位， 为社会提供风险保额302.49万亿元，较2020年翻了近一番。 保险领域风险管控持续加力。人身险公司退保率连续四年下降；产险公司综合费用率较"十三五"末下降 14.58个百分点，综合赔付率较"十三五"末上升9.69个百分点。 责任编辑：秦艺 12月31日金融一线消息，据河南金融监管局网站，河南银行业保险业"十四五"期间服务实体经济成效显 著。 据介绍，截至目前，全省银行业保险业总资产近15万亿元，总负债14.85万亿元，资产负 ...

Core Viewpoint - Xinhua Insurance plans to issue up to 10 billion yuan in perpetual bonds to enhance its capital strength and improve its core solvency ratio, with the funds primarily aimed at supplementing core capital and allocating fixed-income assets [2][3] Group 1: Bond Issuance Details - The company intends to issue the perpetual bonds in the domestic market, which will not have a fixed maturity date, and the first redemption option is set for the end of the fifth year [3] - The issuance is subject to approval from the shareholders' meeting and regulatory authorities [3] - The core solvency ratio of Xinhua Insurance has decreased from 170.72% at the end of Q2 to 154.27% by the end of Q3 2025, indicating a need for capital enhancement [3][4] Group 2: Financial Performance - For the first three quarters of 2025, Xinhua Insurance reported a significant increase in operating income of 137.25 billion yuan, up 28.3% year-on-year, and a net profit attributable to shareholders of 32.86 billion yuan, up 58.9% year-on-year [6] - The investment income for the same period reached 40.41 billion yuan, a staggering increase of 687.16% compared to 5.13 billion yuan in the previous year [6] - The annualized total investment return improved to 8.6%, up 1.8 percentage points year-on-year, driven by a recovery in the capital market and increased stock investment returns [6] Group 3: Insurance Premiums and Policy Performance - The original insurance premium income for the first ten months of 2025 was 181.973 billion yuan, reflecting a year-on-year growth of 17% [7] - The company’s first-year premium income for long-term insurance increased by 59.8%, with first-year regular premium income rising by 41.0% and first-year lump-sum premium income soaring by 109.2% [7] - The surrender rate improved to 1.2%, a decrease of 0.1 percentage points compared to the same period last year, indicating better policy retention [8]

智通财经记者 | 冯丽君 炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 随着第三季度偿付能力报告的披露，人身险公司综合退保率变化也浮出水面。 综合退保率是评估人身险公司现金流风险水位的重要指标，也是衡量保险公司业务质量的关键。 智通财经记者梳理目前已披露三季度综合退保率的70家人身险公司第三季度偿付能力报告发现，整理来 看，相比2024年前三季度，近八成人身险公司2025年三季度综合退保率呈现下降趋势，但仍有15家人身 险公司三季度综合退保率同比上升。 而从退保率、退保金额居前的具体保险产品来看，以投连险、万能险等理财属性较强的产品为主；渠道 方面，银保渠道仍是退保"重灾区"。 北京大学应用经济博士后朱俊生教授对智通财经表示，行业退保率整体下降，反映出产品结构改善、客 户经营能力增强以及市场利率预期稳定。然而，退保压力仍集中在理财属性强的产品上，尤其是投连险 和万能险。银保渠道因客户理财化特征、件均保费高、销售收益导向等因素，仍是退保的主要来源。未 来，在利率持续下行的背景下，优化产品结构、提升客户风险认知和长期经营能力，将成为险企控制退 保风险的关键。 55家人身险企退保率下降， ...