国新办就2026"乐购新春"春节特别活动、保障春节市场供应有关情况举行新闻发布会。第一财经记者提 问：金融支持对于活跃春节消费市场至关重要，如何引导金融机构在春节期间提供更便利、更普惠的金 融服务，让人民群众添喜气、得实惠？ 最后是强保障。加强服务保障，金融机构在节假日期间将保障适量网点开门营业，满足人民群众金融服 务需求。加强支付保障，注重推进消费场景支付便利化，满足老年人、外籍来华人员等群体支付服务需 求。加强风险保障，保险公司将针对购物餐饮、旅游出行、体育运动等各类消费场景开发新的保险产 品，优化承保理赔服务。 金融监管总局新闻发言人郭武平表示，具体可以概括为降成本、优服务、惠民生、强保障四个方面。 （文章来源：第一财经） 首先是降成本。去年以来，我们与相关部门共同实施服务业经营主体和个人消费贷款贴息政策，特别是 对个人消费贷款贴息1个百分点，力度还是很大的。从供需两端加大对消费供给主体和居民消费需求的 金融支持。今年初，我们与相关部门对两项贴息政策做了调整优化，大家习惯用的信用卡也纳入消费贷 款的贴息范围。同时也提高了贷款的贴息额度，增加了经办的农商行、城商行、消费金融公司、汽车金 融公司等，更好发挥 ...

来源：泉州晚报 记者：柯丽娟 近日，网友"春风"在"96339记者热线"微信公众号上反映，在酒店使用干洗机时，按提示绑定银行卡， 本以为是支付干洗费用，未料一个月后在无任何告知的情况下被扣款购买保险。他觉得手机里有不少自 动扣款的项目，是否可以得知个人名下都绑定了哪些自动扣款的项目？ 网友"春风"说，1月29日中午他收到一条银行卡扣款短信，被一家保险企业扣走244元保险费用。他回 忆，此前他曾在酒店使用干洗机时，扫码按照提示绑定银行卡，以为是要支付干洗费用，可事后却未扣 费，当时便觉可疑，没想到却是被扣保险费。该保险企业未经健康报告审核，也无任何通知就擅自帮他 购买保险，他投诉十多分钟后便成功退款。他希望通过96339提醒市民，并咨询如何查询个人名下各类 银行卡绑定的自动扣款项目。 记者在手机社交平台上查询得知，不少网友也遭遇类似情况，在不知情时被该保险企业扣款，金额数百 元至数千元不等。对此，该保险企业工作人员杨先生称，他们是线上保险经纪，主要通过线上渠道投放 广告来获取客户，基于大数据对不同用户投放不同的险种，但这种线上扫码方式经常造成客户误触。因 此，目前他们已取消线上扫码等用户误触率比较高的推广方式， ...

Summary of Conference Call Notes Industry Overview - The focus is on the non-bank financial sector, particularly the insurance and brokerage industries, with a positive outlook on the capital market's stability and growth potential [1][2]. Key Points and Arguments 1. **Policy Support**: The chairman, Wu Qing, emphasized the commitment to consolidating the positive momentum in the capital market [3]. 2. **Market Stability**: The trading pressure is easing, enhancing the market's inherent stability and preventing significant fluctuations. The previous disruptions faced by brokerage and insurance sectors are being resolved, leading to a more stable market environment [3]. 3. **Market Performance**: - In 2026, the A-share market's daily trading volume reached nearly 30 trillion yuan, a 73% increase compared to 2025. - In January 2026, there were 4.92 million new A-share accounts opened, reflecting a month-on-month increase of 89% and a year-on-year increase of 213% [3]. 4. **Non-Bank Sector Outlook**: The non-bank financial sector is expected to perform well, with insurance showing improved profitability and a new cycle of growth established [3]. 5. **Asset Side**: Stable long-term interest rates and a favorable capital market environment are expected to enhance performance flexibility in the investment sector [4]. 6. **Liability Side**: The "opening red" (a term for the first sales of the year) sets a positive tone for new business throughout the year, with the insurance sector benefiting from the trend of bank deposits moving to insurance products, which are seen as a safe financial alternative [4]. 7. **Brokerage Sector**: - In a slow bull market, there is a significant mismatch between fundamentals and valuations, presenting high cost-performance ratios for investments. - Listed brokerages that have released earnings forecasts show a year-on-year net profit growth of approximately 60%. Leading brokerages are experiencing steady growth, while some smaller firms are showing notable performance elasticity [6]. - The overall price-to-book (PB) ratio for the brokerage industry is only 1.36 times, indicating a significant lag in valuation compared to fundamentals, suggesting a high cost-performance ratio at current levels [6]. Recommendations - Suggested companies to focus on include China Ping An, China Life, New China Life, and Guotai Junan [7]. Risk Factors 1. Significant fluctuations in the equity market could impact net profits. 2. Policy implementation may not meet expectations. 3. The growth rate of new business value (NBV) in the life insurance sector may fall short of expectations. 4. Risks associated with interest rate declines beyond expectations could lead to margin loss [8].

Core Viewpoint - The article emphasizes the role of Guangdong People's Insurance Company in enhancing agricultural insurance to support rural revitalization and agricultural modernization in line with the directives of the 2026 Central No. 1 Document [2][70]. Group 1: Agricultural Insurance Enhancement - The 2026 Central No. 1 Document outlines the need to strengthen insurance coverage for key crops such as rice, wheat, corn, and soybeans, and to support the development of local specialty agricultural products [3][12]. - Guangdong People's Insurance Company has achieved full coverage of cost insurance for three major grains in Guangdong Province by 2025, providing risk protection for over 7.8 million acres of rice and corn, amounting to nearly 9.7 billion yuan [13][14]. - The company has invested 6.9 million yuan in initiatives like farmland restoration and construction of automatic weather stations to support the revival of abandoned land, contributing to stable grain planting areas and increased production capacity [15][16]. Group 2: Support for Specialty Agricultural Products - In response to the call for supporting local specialty agricultural product insurance, Guangdong People's Insurance Company has developed and revised 38 specialty agricultural insurance products by 2025, offering risk protection totaling 19.9 billion yuan for over 160 products [19][24]. - The company has provided risk coverage exceeding 1.878 billion yuan for various deep-sea aquaculture projects across eight cities in the province, supporting the development of "blue granaries" [26]. - For the lychee industry, the company has introduced various insurance products covering different stages from seed source to transportation, establishing a comprehensive financial service model involving government, farmers, insurance, and banks [28][29]. Group 3: Technological Integration in Risk Management - Guangdong People's Insurance Company has developed an integrated smart agricultural insurance service system, combining risk prevention, reduction, and compensation [35]. - The company has implemented a risk reduction management system covering six key industries, utilizing technologies such as remote sensing, drones, IoT, and AI for precise risk identification and early warning [38][39]. - By 2025, the company has executed 430 disaster reduction projects, benefiting over 2.308 million households and achieving cost savings of approximately 256 million yuan [40][41]. Group 4: Claims Efficiency and Support - The company has paid out 4.346 billion yuan in agricultural insurance claims in 2025, ensuring rapid recovery for 585,000 affected farmers following natural disasters [49]. - Quick claim payments were made within 24 hours and 2 hours after typhoons, significantly alleviating the risk of poverty for farmers due to disaster impacts [50][51]. Group 5: Ecological and Environmental Contributions - Guangdong People's Insurance Company has provided risk protection for 36.12 million acres of forest resources, amounting to 43.4 billion yuan, and has introduced ecological insurance products for ancient trees and oil tea planting [59][60]. - The company has actively participated in rural environmental improvement projects, investing 10.76 million yuan to support ecological revitalization [67]. - The company has received recognition for its contributions to ecological protection, with three branches awarded for their outstanding efforts in ecological construction [69].

另外，跨部门的数据壁垒与共享机制不畅也制约着理赔时效。精准、高效的理赔，依赖于对承保标 的的清晰掌握。农业农村部门的土地确权数据、种植养殖档案，与保险机构的承保信息尚未实现全面、 有效联通，使得投保验标、灾后定损，都缺乏坚实的数据"底座"。 可见，农业保险"赔得快"，不仅要"查得清"，更要"定得准"。因此，提高农业保险理赔效率既是保 险机构面临的技术改进课题，更是一场需要多方协同、系统推进的治理变革。 其一，要夯实数据基础，打通信息"主动脉"。建立健全部门间涉农数据的共享机制，在确保信息安 全的前提下，推动土地、种植、气象、灾害等数据依法有序向保险行业开放，让承保更真实、定损有依 据、理赔可追溯，从源头上减少争议。 其二，要探索"技术定损"与"人工核验"相结合的协同机制。对于大范围灾害，利用卫星遥感等技术 进行快速初步定损与预赔付，解农户燃眉之急。对于局部、复杂的损失，建立科学的抽样核查与现场复 核机制，尊重农业生产的具体性与复杂性，让定损结果既讲科学精度，也符合实际情理。 2026年中央一号文件首次提出"提高农业保险理赔效率"。在积极促进农民稳定增收的目标下，这一 要求切中了当前农业保险从"扩面增品"向"提 ...

Core Viewpoint - Ping An Property & Casualty Insurance has launched the "2026 Wan Jia Deng Huo Ping An Xing" Spring Festival risk reduction initiative, focusing on proactive risk management during the Spring Festival travel season, marking a significant upgrade from its previous 15 years of Spring Festival safety activities [1][2] Group 1: Initiative Overview - The initiative is part of Ping An's "Guardian of Safety" campaign, aiming to reduce risks associated with road safety during the Spring Festival travel period [1] - The action leverages historical claims data to identify high-risk areas and implement targeted risk reduction services [1] Group 2: Implementation Strategy - The program focuses on provinces with historically high average daily claims during the Spring Festival, including Sichuan, Anhui, Henan, and Hunan, while also being implemented in Shandong, Hubei, Gansu, and Guangxi [1] - A risk reduction model combining data analysis, police-enterprise collaboration, and localized strategies is employed, including smart alerts and human services tailored to different traffic conditions [1] Group 3: Service Offerings - The initiative includes a network of service stations, smart intersection alerts, and rural road improvements to ensure comprehensive safety measures [1] - Ping An has provided various supportive services over the past 15 years, such as accident quick processing, claims consultation, travel assistance, safety checks, tire changes, and supply provisions at key locations [2]

Core Viewpoint - The property insurance industry is at a critical juncture for transitioning between old and new dynamics, with ongoing policy benefits and emerging market opportunities driven by new business models such as low-altitude economy and artificial intelligence [1] Group 1: Focus on Core Responsibilities - The 14th Five-Year Plan period is seen as a golden opportunity for the insurance industry, emphasizing the need to enhance services that boost consumption, drive innovation, and support coordinated development [2] - China Export & Credit Insurance Corporation aims to stabilize foreign trade by focusing on key areas such as support for intermediate goods and service trade, and enhancing the quality of medium and long-term insurance [2] - Local and specialized property insurance companies are prioritizing regional resources and niche markets to create differentiated advantages in 2026 [2][3] Group 2: Deepening Reform and Mechanism Optimization - Reform and innovation are essential for addressing product homogeneity and cost control pressures in the property insurance market [4] - China Life Property Insurance emphasizes the need for enhanced fine management capabilities to solidify operational efficiency [6] - Companies are focusing on systematic reforms and refined management to improve operational quality and market competitiveness [4][5] Group 3: Technology Empowerment in Risk Control - Risk management is a core focus for property insurance companies, with an emphasis on leveraging technology to enhance comprehensive risk management [7] - Companies are integrating digital transformation into their risk control strategies to improve operational efficiency and compliance [8] - The synergy between digital tools and compliance management is seen as a solution to the challenges of risk prediction and high compliance costs [8]

Core Viewpoint - The recent Central Document No. 1 emphasizes the importance of grain and oil security, directing policies to enhance the production of oilseed crops and improve financial services for agriculture [1][2]. Group 1: Policy Direction - The policy aims to promote large-scale production of oilseed crops and expand the production space for crops like rapeseed, peanuts, and oil tea [1]. - This policy guidance indicates a clear direction for the high-quality development of China's oilseed crop industry and raises expectations for financial services in agriculture [1]. Group 2: Insurance Innovation - China Pacific Insurance's Zhejiang branch has launched the country's first commercial rapeseed seed insurance, addressing the protection gaps left by traditional policy insurance [1][2]. - The insurance product is designed to provide a safety net for agricultural operators, ensuring stability in production despite risks from natural disasters and market price fluctuations [1]. Group 3: Impact on Farmers - Farmers, like Mr. Fang, express increased confidence in production due to the new insurance, which alleviates fears of losing investments due to unforeseen events [1]. - The insurance allows farmers to expand production and adopt new technologies, thereby unlocking the potential for increased rapeseed cultivation [1]. Group 4: Future Outlook - The insurance innovation is seen as a crucial step in safeguarding food security and revitalizing the seed industry, with a focus on sustainable risk management [2]. - The company plans to continue innovating financial products and optimizing service models to support rural revitalization effectively [2].

Core Viewpoint - The article highlights the urgent need for insurance solutions tailored to the unique challenges faced by rural populations in Guangxi, particularly in the context of labor migration and economic stability [1][2]. Group 1: Insurance Solutions - A comprehensive insurance scheme has been developed, focusing on "employment protection, health coverage, and basic safety net" to support rural workers [2]. - The scheme includes personal accident insurance for employment, providing compensation for death or disability due to accidents for rural laborers [2]. - A supplementary medical insurance called "Chonghui Bao" is promoted to protect low-income families from falling back into poverty due to health issues [2]. Group 2: Product Development - China Life Insurance has diversified its insurance offerings to meet the varied needs of the agricultural population, launching 23 products under the "Rural Revitalization" series, which includes life, critical illness, medical, and accident insurance [2]. - The "Rural Safety Treasure" series specifically addresses risks associated with operating agricultural machinery, providing targeted coverage [2]. Group 3: Impact and Reach - In 2025, China Life Insurance covered 227 million rural individuals, with a total insurance amount exceeding 27 trillion yuan, and compensated over 1.58 billion yuan to 4.54 million individuals [3]. - The company aims to act as an economic stabilizer and social safety net, contributing to the stability and prosperity of rural areas and improving farmers' livelihoods [3].

Core Viewpoint - The article highlights the importance of agricultural disaster prevention and reduction systems, emphasizing the role of insurance as a financial tool to mitigate agricultural risks and support modern agricultural production [1][2]. Group 1: Agricultural Risk Reduction Initiatives - The company has established 40 agricultural risk reduction service centers nationwide, collaborating with local governments and research institutions to conduct disaster warnings, agricultural training, and emergency dispatch [2]. - A total of 52 risk reduction demonstration gardens have been created in partnership with major grain producers, utilizing IoT devices for soil moisture, crop growth, and pest monitoring to enable early risk identification and intervention [2]. Group 2: Technological Empowerment in Agriculture - The company has developed a specialized risk reduction service system called "Stable Agriculture," integrating multi-source data such as meteorology and remote sensing to enable risk identification, prediction, and intervention [3]. - In the Guangdong region, a tailored disaster reduction service platform for lychee production has been implemented, resulting in a 25% reduction in labor costs and a 20% decrease in pesticide and fertilizer usage, leading to a financial saving of 500 yuan per acre [3]. Group 3: Comprehensive Monitoring and Intervention - The company connects to 3,213 national meteorological stations for real-time and long-term weather forecasts, employing satellite remote sensing and AI pest identification models for comprehensive monitoring [3]. - In collaboration with meteorological departments, the company has conducted 1,974 hail prevention operations in Yunnan, protecting nearly 900,000 acres of economic crops in 2025 [3]. Group 4: Innovations in Livestock Insurance - The company has developed a proprietary "PICC China Livestock Risk Catastrophe Model," utilizing data from nearly 1.8 billion insurance claims to enhance risk assessment and management in the livestock sector [4]. - This model addresses regional risk disparities in traditional pricing models, playing a crucial role in product design, loss assessment, and risk reduction services in livestock insurance [4].