作出这一判断，源于银行和保险公司在合作模式、合作基础与合作生态三方面发生的变化。首先， 合作模式日益紧密。近年来，银保双方积极建立新型合作关系，探索构建深层次战略协同，多数大型银 行已设立了自己的保险公司。不少大型保险公司也战略投资商业银行，在获得较好收益的同时也逐步深 化了银保合作。 其次，合作基础更加稳固。对银行来说，保险代销是中收的重要组成部分和稳定来源，有助于缓解 银行净息差收窄的压力；另外，保险产品也是银行发展综合金融、构建"金融产品超市"不可或缺的组成 部分，可有效满足银行客户在风险保障、财富传承和跨周期资产配置等方面的需求。对保险公司来说， 银行作为全社会的资金账户管理方，天然具有客群优势和信誉优势，便于保险公司触客、获客，也在无 形中提供了增信支持。 最后，合作生态明显改善。严格执行"报行合一"加速了银保业务的深度转型，双方合作从过度依赖 费用驱动，转向以服务客户为中心的价值共创新阶段。在这个过程中，保险公司愈发重视服务生态建 设，银行也愈发认可保险公司提供的服务生态资源，双方共同搭建起优势互补、长期共赢的合作新局 面，从"切蛋糕"走向"做蛋糕"。 严格执行"报行合一"为银保合作的良性发展扫清 ...

三大原因加深银保合作 尽管面临重重挑战，银行和保险公司之间的纽带链接仍在不断加深、合作潜力不断释放， 孙先亮 认为，该变化背后的三大原因： 一是合作模式日益紧密。 近年来，银保双方积极建立新型合作关系，探索构建深层次战略协同，多数大型银行已设立了自己的保险公司。不少大型保险 公司也战略投资商业银行，在获得较好收益的同时亦逐步深化了银保合作。 二是合作基础更加稳固。 对银行来说，保险代销是中收的重要组成部分和稳定来源，有助于缓解银行净息差收窄的压力；保险产品也是银行发展综合金 融、构建 "金融产品超市"不可或缺的组成部分，可有效满足银行客户在风险保障、财富传承和跨周期资产配置等方面的需求。对保险公司来说，银行作 为全社会的资金账户管理方，天然具有客群优势和信誉优势，便于保险公司触客、获客，也在无形中提供了增信支持。 三是合作生态明显改善。 "报行合一"政策的实施加速了银保业务的深度转型。双方合作从过度依赖费用驱动，转向以服务客户为中心的价值共创新阶 段。在这个过程中，保险公司愈发重视服务生态建设，银行也愈发认可保险公司提供的服务生态资源，双方共同搭建起优势互补、长期共赢的合作新局 面，从"切蛋糕"走向"做蛋糕" ...

中新网北京9月28日电 (记者 王恩博)当前，以大数据、人工智能为代表的数字技术正深刻重塑金融业 态。以"相濡以沫相助成长——共探数智生态赋能养老金融之路"为主题的第四届银行保险合作发展论坛 近日在北京召开，与会专家指出，银行保险机构亟须通过数据共享与生态协同，拓展养老服务与财富管 理新路径，共同应对时代变局。 建设银行研究院副院长宋效军表示，银行、保险机构要树立起大视野、大格局，共同发挥银保联动优 势，全力打造养老金融新生态，充分利用数字化手段提升银保联动服务效率与客户体验。 大家人寿党委书记、总经理郁华表示，近五年来，大家人寿银保渠道业务转型成效显著，在养老社区联 动保险业务开拓、高净值客户保险服务等方面的能力大幅提升。期待通过数智转型和生态赋能，与更多 银行伙伴共同书写好金融"五篇大文章"。 本次论坛由大家保险集团主办。国有银行、股份制商业银行、各城市商业银行和农村商业银行等全国近 百家银行代表，以及来自中国银行业协会、中国保险行业协会、资管公司、养老服务公司、有关研究机 构的专家和学者参加会议。(完) 业界普遍判断，利率下行或成为未来一段时期我国金融业运行常态，低利率环境下金融机构面临"资产 收益"与 ...

对银行来说，保险代销是中收的重要组成部分和稳定来源，有助于缓解银行净息差收窄的压力；保险产 品也是银行发展综合金融、构建"金融产品超市"不可或缺的组成部分，可有效满足银行客户在风险保 障、财富传承和跨周期资产配置等方面的需求。 南方财经全媒体记者孙诗卉 9月28日，21世纪经济报道记者独家获悉，今年上半年，银保新单保费占保险业新单保费的64%，预计 年底将逼近70%，银保为主的渠道格局已基本成型。 值得一提的是，银保合作已从单一的保险代销，走向涵盖生态、存款、债券、托管、科技等领域的全方 位战略协同，银行、保险的关系从"分蛋糕"走向共同"做蛋糕"。 大家保险集团党委副书记、总经理孙先亮表示，当前银保合作呈现四大趋势：一是银保为主的保险销售 渠道格局基本成型；二是复杂型保险产品将占据更大比重；三是生态服务将扮演更重要的角色；四是数 字科技将赋能银保经营全链条。 缓解银行净息差收窄压力 "报行合一"是指保险公司报给监管的手续费用取值范围和使用规则是需要跟实际使用保持一致的。其中 附加费用包含公司各种管理费用、佣金、税收及其他等支出。当附加费用率假设明显低于实际销售费用 时，将导致收缴的总保费低于实际应缴的总保费， ...

9月15日，中国银行淄博分行与人保财险淄博市分公司、人保寿险淄博中心支公司签署全面战略合作协 议，标志着银保合作迈入深度融合、协同发展的新阶段。 "人保集团与中国银行有着广泛的合作基础和良好的合作条件，今天三方签订全面战略合作协议，拉开 合作序幕，既是关系的进一步深化，更是推动工作融合发展的生动实践。"中国银行淄博分行主要负责 人表示，中国银行拥有百年历史积淀，是国内持续经营时间最长、全球化和综合化程度最高的大型国有 商业银行。中国银行淄博分行作为中国银行驻淄金融机构，坚持以服务地方经济社会发展为己任，引灌 金融"活水"，增进民生福祉，提升服务质效，连续两年本外币贷款新增超50亿元，市场份额每年提升超 1%。此次，三方将充分发挥各自优势，在公司金融、普惠金融、个人金融等各领域开展深入合作，构 建客户共享、优势互补、共赢发展的合作模式，为淄博市高质量发展贡献力量。 "这不仅是强化联动、深化交流，开展更深层次合作的重要起点，也是双方全力服务全市经济社会发展 的具体实践。"人保财险淄博市分公司主要负责人表示，下一步将重点锚定构建全周期、本地化金融服 务生态，紧密围绕乡村振兴战略，深度融入地方政府"粮食安全、产业升级 ...

Core Viewpoint - The article provides a comprehensive overview of recent developments in the insurance industry, highlighting regulatory changes, company dynamics, product innovations, and personnel movements. Regulatory Dynamics - Nine departments are accelerating the construction of a long-term care insurance system to expand coverage and enhance training for caregivers and service providers [7] - Eight departments encourage insurance institutions to optimize automotive export credit insurance services to mitigate risks associated with exchange rate fluctuations [8] - The Minister of Agriculture announced that comprehensive cost and income insurance for three major grain crops has achieved nationwide coverage [9] Company Dynamics - Ping An Life increased its stake in China Pacific Insurance H-shares to over 10%, triggering a mandatory disclosure [14] - China Ping An has been actively purchasing shares in three financial stocks, with significant investments in China Life and Postal Savings Bank [15] - China Pacific Insurance reported a 13.2% year-on-year increase in original insurance premium income for the first eight months, totaling RMB 217.05 billion [24] - New China Life's original insurance premium income for the same period reached RMB 158.086 billion, up 21% year-on-year [26] - China Export & Credit Insurance Corporation achieved an underwriting amount of USD 5,656 million in the first half of the year, a 13.5% increase [28] Personnel Changes - Wang Ying is proposed to be appointed as the chairman of China Merchants Jin Mao Life Insurance [29] - He Chunlei resigned as chairman of China Re, with the president, Zhuang Qianzhi, taking over [30] - Several key appointments were made across various insurance companies, including new roles at Ping An Life and China Pacific Insurance [34][36][37] Industry Dynamics - The 2025 Financial Education Promotion Week was launched in Beijing, featuring participation from various financial institutions [43] - Six insurance companies were listed in the 2025 Most Valuable Chinese Brands Top 100, with Ping An ranking in the top 10 [44] - Ten insurance companies made it to the 2025 China Enterprise 500 list, showing an upward trend in rankings compared to 2024 [46] - The number of insurance marketing personnel has decreased significantly, with a notable rise in new entrants to the field [47] Product and Service Innovations - Dajia Insurance launched the "City Heart Elderly Care Ecological Alliance," with its first community opening in Shanghai [60] - China Pacific Insurance introduced a new international engineering liability insurance product at the China International Service Trade Fair [61] - Agricultural cultural heritage protection insurance was launched by PICC, marking a significant step in safeguarding traditional agricultural practices [62] - Nanjing's medical insurance accounts can now be used to purchase supplementary medical insurance for family members [64]

Core Viewpoint - The collaboration between China Insurance and Bank of China Beijing Branch aims to enhance the construction of Beijing's international communication center and technology innovation center, injecting new momentum into the city's high-quality economic development [1][3][7] Group 1: Partnership Initiatives - China Insurance Beijing Branch and Bank of China Beijing Branch jointly launched an action plan and signed a cooperation memorandum to support the construction of the two centers, focusing on technology finance and enhancing coverage for specialized and innovative enterprises [3] - The partnership emphasizes the integration of policy guidance and financial services to create a multi-level and comprehensive financial service system [3][6] Group 2: Regional Agreements - Agreements were signed with the governments of Xicheng District and Huairou District to provide tailored regional service plans that align with local development strategies and the characteristics of technology enterprises [6] - The collaboration includes a focus on the development direction and layout of key industries in Chaoyang District, with a specific agreement to support technology innovation in that area [6] Group 3: Commitment to Quality Development - China Insurance has consistently pursued its mission of serving the people and is committed to supporting the high-quality development of Beijing's economy and society [7] - The partnership is expected to create a synergistic effect, exploring new avenues for cooperation between banking and insurance sectors to contribute to the financial ecosystem of the capital [7]

Core Viewpoint - The article highlights the challenges faced by bank-affiliated insurance companies, particularly focusing on Zhongyin Samsung Life, which has experienced significant losses despite growing premium income, indicating structural issues within the bancassurance model [1][4]. Group 1: Financial Performance - Zhongyin Samsung Life has seen premium income grow from 6.46 million yuan in 2014 to 298.62 million yuan in 2024, marking a 370% increase after the entry of China Bank [2]. - However, net profit has fluctuated significantly, with figures of 0.55 million yuan in 2019 and a peak of 4.83 million yuan in 2024, indicating reliance on short-term investment gains rather than sustainable growth [2]. - In the first half of this year, the company reported insurance business income of 186.45 million yuan, an 8.12% year-on-year increase, but incurred a loss of 5.43 million yuan, the only bank-affiliated insurer to do so [2][5]. Group 2: Liability Reserves - The insurance liability reserves have been increasing, reaching 278.08 million yuan in 2024, with a growth rate of 34.11% from the previous year, indicating rising payout pressures [3]. Group 3: Market Position and Challenges - The bancassurance model, once a strength, has become a constraint as regulatory changes and market competition intensify, leading to a decline in new single premium business for bank-affiliated insurers [4][8]. - Traditional insurers have outperformed bank-affiliated companies in new single premium business, with a 45% growth compared to a 14% decline for the latter [4]. Group 4: Investment Management Issues - Bank-affiliated insurers, including Zhongyin Samsung Life, struggle with independent investment management, leading to lower investment returns, with the company reporting a comprehensive investment yield of 2.39% and total asset investment yield of -0.4% in the first half of this year [6]. Group 5: Shareholder Structure and Future Uncertainty - The sale of a 24% stake by the controlling shareholder, AVIC Group, has not found a buyer, adding uncertainty to the company's future [7]. - The potential exit of AVIC Group could delay a planned capital increase of 2.4 billion yuan, which has already been postponed for three years [8].

市场人士认为，险资频频增持背后，除了银行高股息吸金，背后更蕴含着险企大举加码银保的战略考量。"最近3年，银保期交保费逐步赶上个险，一些头部 公司也将战略重心押注银保，试图通过重仓银行股，借力资本纽带抢占银保市场。"一家中型人身险公司银保业务负责人对智通财经记者表示。 据行业交流数据预测，未来10-15年，银行渠道的新业务价值将是个险的两到三倍，甚至目前仍以个险为主的老七家，其银保新业务价值也将超过个险，老 七家在银保期交的市场份额将从2024年的26%上升至40%左右。 "随着低利率时代到来，利差的收窄对于银行和保险都是大考验，未来二者一定走向抱团取暖，战略联盟、资本纽带绑定双方长期利益将逐渐成为趋势。"一 家头部寿险公司高管对智通财经记者表示。 险资"痴迷"银行股：年内上百次出手增持，10度触发举牌 智通财经7月24日讯（记者 夏淑媛） 险资持续"爆买"银行股。港交所最新权益披露资料显示，近期弘康人寿累计3次增持郑州银行H股。与弘康人寿加仓区 域性城商行不同，平安资产、中国平安则出手增持国有大行邮储H股，二者最新持股比例均超14%。 据智通财经记者统计，开年以来，截至7月22日，平安人寿、新华保险、瑞众人寿 ...