【纠错】 【责任编辑:王萌萌】 今年前8个月，我国保险业赔付支出约1.68万亿元，其中财产险6078亿元、人身险约1.07万亿元。 截至今年8月末，我国保险业总资产约40.11万亿元，净资产约3.84万亿元。 新华社北京10月1日电（记者张千千）国家金融监督管理总局发布的数据显示，今年前8个月，我国保险 业原保险保费收入约4.8万亿元，其中财产险约1万亿元、人身险约3.8万亿元。 ...

2025.09. 30 本文字数：2555，阅读时长大约5分钟 作者 | 第一财经 杨倩雯 "到2030年，健康保险在国家健康保障体系中的重要作用进一步发挥。"在金融监管总局9月30日发 布的《关于推动健康保险高质量发展的指导意见》（下称《意见》）中，健康保险未来一段时间发展 的总体思路和阶段性目标被明确提出。 "《意见》对商业健康险的意义重大。除了设定总发展目标之外，还有颇多业内之前一直与监管讨论 的创新点和突破点，例如账户医疗险、分红健康险，以及提高健康管理在净保费中的占比等，拓展了 商业健康险的业务形态和范围。"一名险企高管对第一财经记者表示。 账户医疗险、分红健康险来了 《意见》明确，到2030年，健康保险在国家健康保障体系中的重要作用进一步发挥。团体健康保险 和个人健康保险协同发展，满足全人群和全生命周期多样化需求的多层次健康保险市场格局基本形 成。健康保险监管制度体系更加健全，监管效能充分体现。 健康保险为被保险人因健康原因或者医疗行为的发生而导致的财务损失提供保障，是保险业发挥筑牢 社会保障网功能的重要险种，连接医疗卫生等产业，关系国计民生。随着经济社会发展和健康中国战 略的推进，人民群众健康保 ...

Core Viewpoint - The new regulatory guidelines issued by the Financial Regulatory Bureau on September 30 aim to enhance the role of health insurance in the national health security system by 2030, introducing significant innovations in commercial health insurance [1] Group 1: Regulatory Developments - The guidelines outline the overall development strategy and phased goals for health insurance in the near future [1] - Key innovations discussed include account-based medical insurance and dividend health insurance, which expand the business forms and scope of commercial health insurance [1] Group 2: Industry Impact - The guidelines are expected to have a significant impact on commercial health insurance, addressing previously discussed points with industry regulators [1] - There is an emphasis on increasing the proportion of health management in net premiums, indicating a shift towards more comprehensive health insurance products [1]

Core Viewpoint - The recent guidelines issued by the Financial Regulatory Bureau aim to promote the high-quality development of health insurance in China, addressing existing challenges and enhancing the sustainability of health insurance services to support the Healthy China strategy [1][2]. Group 1: Expansion of Health Insurance Products - The guidelines encourage the development of commercial medical insurance and the expansion of health insurance product forms and functions, including the incorporation of new medical technologies, drugs, and devices into insurance coverage [2][3]. - There is a focus on establishing a comprehensive, multi-tiered commercial medical insurance product system, which will enhance the payment capabilities for new medical products through innovative payment methods [2][3]. Group 2: Long-term Medical Insurance Development - The guidelines support the development of long-term medical insurance by encouraging pricing based on risk categories and improving the matching of insurance rates with underwriting risks [3][4]. - The introduction of personal account-based long-term medical insurance is a notable aspect, allowing funds to cover out-of-pocket medical expenses and health management services [4]. Group 3: Integration of Health Insurance and Health Management - The guidelines propose a new health service guarantee system that integrates prevention, management, and protection, promoting the provision of medical, rehabilitation, and nursing services as part of health insurance [5][6]. - Insurance companies are encouraged to establish health management subsidiaries to enhance their service capabilities and better meet the health management needs of the public [6]. Group 4: Support for Well-rated Insurance Companies - The guidelines support well-rated insurance companies in launching new business initiatives, including dividend-type long-term health insurance and trial programs for increasing the cost-sharing ratio of health management in net premiums [7]. - This initiative aims to combine the floating income mechanism with public health needs, enhancing the profitability of insurance companies while benefiting consumers [7].

Core Points - Xinhua Life Insurance Co., Ltd. announced plans to amend its Articles of Association to optimize corporate governance in compliance with relevant laws and regulations [2] - The proposal to amend the Articles of Association and abolish the supervisory board will be submitted to the shareholders' meeting for special resolution [2] - Upon approval by the shareholders' meeting, the new Articles of Association will require approval from the National Financial Regulatory Administration to take effect, leading to the dissolution of the current supervisory board and the termination of existing supervisors [2]

北京商报讯（记者 李秀梅）9月30日，金融监管总局印发了《关于推动健康保险高质量发展的指导意 见》（以下简称《意见》）。 《意见》提到，促进健康产业协同发展，加强保险公司健康服务网络建设，推进大健康产业协同发展。 促进健康保险与医疗、医药深度融合，助力卫生健康事业和生物医药产业突破发展。支持与药械企业建 立联动合作机制，探索按照市场化原则自主协商谈判、按疗效付费等创新药械多元化支付方式。 ...

8月份，从交易规模看，按法人机构统计，公司信用类债券前50名投资者交易占比60.8%，主要集中在 证券公司（自营）、基金公司（资管）和银行理财子公司（资管），前200名投资者交易占比91.1%。 北京商报讯（记者 岳品瑜 董晗萱）9月30日，人民银行公布2025年8月份金融市场运行情况。截至8月 末，银行间债券市场的法人机构成员共3984家，全部为金融机构。从持债规模看，公司信用类债券前50 名投资者持债占比53.0%，主要集中在公募基金（资管）、国有大型商业银行（自营）、保险类金融机 构（资管）等；前200名投资者持债占比83.9%。单只公司信用类债券持有人数量最大值、最小值、平 均值和中位值分别为114、1、12、12家，持有人20家以内的信用债只数占比88.8%。 ...

Core Viewpoint - AIA Group Limited (01299.HK) announced that the interim dividend of HKD 0.3330 per share, which was declared on September 26, 2019, will be forfeited and returned to the company if not claimed by October 31, 2025 [1] Summary by Category - **Company Announcement** - AIA Group Limited will forfeit the unclaimed interim dividend from 2019 if it remains unclaimed by the specified date [1]

Core Viewpoint - Tianmao Group, controlled by Liu Yiqian, has voluntarily delisted from the A-share market after 29 years due to continuous losses at its subsidiary, Guohua Life Insurance, and difficulties in disclosing its 2024 annual report [2][9]. Company History - Tianmao Group was originally established as Zhongtian Co., Ltd. in November 1993 and was later renamed Baike Pharmaceutical before becoming Tianmao Group in 2006 [3][5]. - Liu Yiqian became the largest shareholder of Baike Pharmaceutical in 2001, acquiring 28.97% of the shares for 206 million [3]. Financial Performance - Tianmao Group's performance improved significantly after acquiring 51% of Guohua Life in 2015, with revenue soaring to 16.99 billion in 2016, a 14-fold increase, and a net profit of 1.779 billion [5]. - However, Guohua Life faced declining profitability from 2020 to 2023, with net profits dropping from 1.11 billion to a loss of 1.155 billion in 2023 [8][9]. Regulatory Challenges - The company has been under investigation by the China Securities Regulatory Commission (CSRC) for failing to disclose its annual report on time, leading to its eventual delisting [9][10]. - Guohua Life's solvency ratios fell below regulatory requirements, prompting significant capital injections and raising concerns about its financial health [6][8]. Delisting Process - Tianmao Group submitted its application for voluntary delisting on September 4, 2025, and the Shenzhen Stock Exchange decided to terminate its listing on September 25, 2025, with the actual delisting occurring on September 30, 2025 [9][10]. Investor Concerns - Investors have raised concerns regarding the low cash option price of 1.60 per share, which is significantly below the net asset value of 4.41 per share, leading to accusations of market manipulation [10][11]. - The stock price of Tianmao Group has dropped over 50% since the announcement of its annual report difficulties, from 3.38 to 1.45 per share [11].

据了解，近年来，极端天气频发，城市内涝、车辆浸泡等风险日益突出，给人民群众生命财产安全带来 严峻挑战。为有效应对这一难题，中山市积极探索"气象+保险"服务新模式，在全省率先构建"气象+保 险+通信"多元联动体系，推动防灾减灾工作从"灾后补偿"向"灾前干预"转变，构建起"灾前预防—灾中 响应—灾后理赔"全链条风险减量机制。 中山市气象局党组书记、局长李良介绍，2025年上半年，该模式在中山南部的三乡镇、坦洲镇和神湾镇 开展试点，经济效益显著，赔付金额大幅下降。"在台风'桦加沙'影响过程中，据不完全统计，截至9月 26日上午，中山市保险行业预计车辆损失金额约80多万元，较台风'韦帕'过程有明显减少。"李良表 示，该模式已获中山市人民政府推荐，纳入广东省气象高质量发展专项试点。 9月29日上午，气象数据赋能"一辆车"保险服务新模式专项试点实施方案解读专场新闻发布会举行，发 布会介绍了中山市在"气象+保险"融合服务方面的创新举措与试点成效。 中山市应急管理局党委委员、副局长王建国表示，中山市已实现暴雨内涝风险的米级精准识别和提前1 小时预警，"依托'气象+保险'新模式，通过精准预警和提前干预，南部试点镇街的车辆受淹受 ...