| 序 | 当事人 | 行政处罚 | 主要违法违规行 | 行政 | 作出决 | | --- | --- | --- | --- | --- | --- | | 름 | 名称 | 决定书文 | 为 | 处罚 | 定机关 | | | | 름 | | 内容 | | | | 中华联 | | 管理不善导致许 | | | | | | | 可证遗失,未按 | 警告 | | | | 合财产 | | | | | | | | 陕金罚决 | 规定新领、换 | 并罚 | | | | 保险股 | | | | 陕西金 | | | | 字 | 领、缴回许可证 | 款人 | | | 1 | 份有限 | | | | 融监管 | | | | (2025) | 且未按规定向市 | 民币 | | | | 公司西 | | | | 局 | | | | 108号 | 场监督管理部门 | 0.5万 | | | | 安中心 | | | | | | | | | 办理登记、领取 | 元。 | | | | 支公司 | | 营业执照。 | | | 中国经济网北京1月12日讯 国家金融监督管理总局网站1月9日公布的陕西监管局行政处罚信息公示表（陕金罚决字〔2025〕1 ...

Core Viewpoint - The China People's Property Insurance Company, Haidong Branch, faced administrative penalties due to inadequate execution of internal control systems, resulting in a warning and a fine of 10,000 yuan [1][2]. Summary by Relevant Categories Administrative Penalties - The Haidong Financial Regulatory Bureau issued a warning and a fine of 10,000 yuan to the China People's Property Insurance Company, Haidong Branch, for failing to properly implement internal control systems [1][2]. Individual Sanctions - Han Tao, former team leader of the social medical insurance service department, was banned from the insurance industry for 15 years [1][2]. - Zhang Lingjun, former team leader of the social security claims department, was also banned from the insurance industry for 15 years [1][2]. - Wang Xin, former auxiliary staff member, received a 15-year ban from the insurance industry [1][2]. - Min Xiaorong, former general manager of the Haidong Branch, received a warning and a fine of 10,000 yuan [1][2]. - Bai Zhixiang, former deputy general manager, received a warning and a fine of 10,000 yuan [1][2]. - Du Daqing, former assistant to the general manager, received a warning and a fine of 10,000 yuan [1][2]. - Wang Xiangang, former assistant to the general manager, received a warning and a fine of 10,000 yuan [1][2]. - Ma Jizong, former manager of the health insurance department, received a warning and a fine of 10,000 yuan [1][2].

1月12日金融一线消息，保险板块震荡走低，中国太保、中国平安跌超2%。 1月12日金融一线消息，保险板块震荡走低，中国太保、中国平安跌超2%。 责任编辑：王馨茹 责任编辑：王馨茹 ...

安全生产责任保险(以下简称"安责险")背后的事故预防服务投入不足问题被一地揪出。1月11日，北京 商报记者了解到，近日广西壮族自治区安委会办公室召开集体约谈会。此次集体约谈直指部分保险公司 安责险实施中的两大核心问题："预防费用占比低"和"人均保额不达标"。 有关部门提出了具体整改措施和完成时限。要求相关保险公司制定2026年度安责险事故预防服务费用预 算时，严格按照不低于保费总额的20%计提和投入。在业内人士看来，这一明确比例的规定，旨在从根 本上改变过去预防投入不足的状况。同时，部分保险公司在开展安责险业务时的重保费、轻预防问题亟 待解决。 预防费用投入迎硬性比例 近日，广西壮族自治区安委会办公室召开集体约谈会，对9家安责险重点保险公司进行集体约谈。会 上，通报了当前该区安责险事故预防工作情况，重点就"预防费用占比低"和"人均保额不达标"等问题的 原因进行了深入剖析，并提出了具体整改措施和完成时限。会议要求，各保险公司要深刻反思问题根 源，做到立行立改；要建立健全责任体系，确保整改到位。 会议强调，各保险公司要立下书面承诺，明确投入底线，在制定2026年度安责险事故预防服务费用的预 算和目标时，将严格按照 ...

Core Viewpoint - The recent policy relaxation by the Financial Regulatory Bureau marks the return of participating critical illness insurance products, which could stimulate new growth in the health insurance market amid high protection gaps and weakening growth in traditional critical illness insurance [1][2][3]. Policy Relaxation and Market Context - The return of participating critical illness insurance is a significant shift after a two-decade ban, with the first introduction of such products in 2001, which quickly gained a 49.8% market share by 2002 [2]. - The regulatory crackdown in 2003 aimed to address marketing issues and protect consumers, leading to the withdrawal of participating health insurance from the market [2]. Industry Response and Product Innovation - Major insurance companies like China Ping An, China Pacific Insurance, and New China Life have begun developing participating health insurance products in response to the new policy [7]. - Foreign insurers such as AIA and Cigna have already launched innovative products combining whole life insurance with critical illness coverage, emphasizing the dual benefits of protection and value growth [4][5]. Market Potential and Challenges - The introduction of participating critical illness insurance is seen as a key strategy to revitalize the sluggish critical illness insurance market, addressing the dual consumer demand for risk protection and asset appreciation [9]. - The market for health insurance is projected to have a significant demand gap, estimated at $143 billion in 2024, driven by factors such as aging population and ongoing medical reforms [9]. - Challenges include the complexity of product design, the need for clear communication to consumers regarding the dividend mechanisms, and the necessity for robust investment management capabilities to ensure sustainable returns [10].

责任编辑：王馨茹 1月12日金融一线消息，上海金融监管局近日发布消息称，2025年，在金融监管总局的指导下，上海金 融监管局按照"联防移打治"的"五个一"工作思路，联动公安、检察机关落实金融领域"黑灰产"集群打击 工作部署，共发起全国集群战役15次，合力破获银行保险领域"黑灰产"案件117起，摧毁了犯罪集团40 多个，抓获犯罪嫌疑人370余名，有力遏制金融领域"黑灰产"蔓延势头，持续净化金融生态。 责任编辑：王馨茹 1月12日金融一线消息，上海金融监管局近日发布消息称，2025年，在金融监管总局的指导下，上海金 融监管局按照"联防移打治"的"五个一"工作思路，联动公安、检察机关落实金融领域"黑灰产"集群打击 工作部署，共发起全国集群战役15次，合力破获银行保险领域"黑灰产"案件117起，摧毁了犯罪集团40 多个，抓获犯罪嫌疑人370余名，有力遏制金融领域"黑灰产"蔓延势头，持续净化金融生态。 ...

另一方面，要发展多层次农业保险，将更多农业基础设施纳入保障范围。近年来，我国农业的生产方式 发生重大变革。高标准农田、智能温室、仓储冷链等成为现代农业的重要基础设施，家庭农场、农民合 作社等新型农业经营主体成为乡村全面振兴的重要推动力量。农业基础设施投入大、价值高，传统的农 险模式已无法覆盖现代农业生产的新型风险。未来应强化财政补贴引导，鼓励保险公司创新产品服务， 将更多农业基础设施纳入保障范围，更好满足"三农"领域日益增长的风险保障需求。 此外，要创新承保、查勘、定损、理赔方式，推动农险转向科技驱动的精准理赔。"理赔难、手续繁、 到账慢"曾广受农户诟病，现如今保险机构可以利用无人机、大数据、遥感等技术手段查勘定损，有利 于投保主体能够及时、足额得到应有的赔偿。在发生损失后，人工智能可以分析损失照片、气象数据、 卫星图像等数据，进行智能化审核与定损，快速判断损失程度，提高了理赔的准确性和效率。未来要鼓 励保险公司扩大科技手段在农业保险领域的应用，持续推进业务线上化，以多种方式解决痛点难点，促 进农业保险提质增效，更好地服务农业强国建设。 (责任编辑：孟茜云) 近期，太保产险完成全国首单农作物(水稻)新品种制种 ...

据《北京商报》不完全统计，当前已有37只专属商业养老保险产品披露了2025年结算利率。稳健型账户 2025年结算利率在1.5%—4.01%之间，结算利率平均数为3.2%；进取型账户2025年结算利率在0.75%— 4.02%之间，平均结算利率为3.12%。37只产品中，绝大多数产品2025年结算利率超3%，还有部分产品 结算利率超4%。具体而言，稳健型账户中，结算利率在3%以上的产品有30只；进取型账户中，结算利 率在3%以上的产品有34只。 ...

Investment Rating - Goldman Sachs upgrades the investment rating for the Asia-Pacific region, specifically the MX APJ index, with a 12-month target raised to 825 points, indicating a 14% price return in USD and a total return of 17% [1][2]. Core Insights - The macroeconomic environment is viewed as constructive, with U.S. GDP growth expected to exceed market consensus at 2.6%, and the Federal Reserve likely to cut interest rates twice before mid-year, which typically benefits Asian markets [3][4]. - Earnings growth for 2026 is projected to be strong, increasing from 10% to 19%, with significant contributions from North Asia, India, and cyclical sectors [1][5]. - Valuations are considered reasonable but slightly high, with a forecasted slight compression from 15x to 14.6x, indicating that corporate earnings will be the primary driver of stock market returns [6]. Summary by Sections Macroeconomic Outlook - The macroeconomic outlook is positive, with U.S. GDP growth at 2.6% and AEG growth around 4.8%. The Federal Reserve is expected to lower interest rates twice this year, leading to a weaker dollar, which is favorable for Asian markets [3][4]. Earnings Expectations - Earnings growth is anticipated to rise significantly, with overall growth expected to reach 19%. The recovery in quarterly earnings is attributed to easing base effects, and the ERI indicator suggests a positive outlook for earnings revisions [5]. Valuation Perspective - Current valuations are slightly above historical averages, with the region's price-to-earnings ratio at 1.2 standard deviations above the long-term mean. Earnings will be crucial for driving stock market returns this year [6]. Fund Flow Trends - There has been a significant outflow of approximately $100 billion from overseas investors, with current mutual fund allocations 75 basis points below benchmarks, indicating potential for rebuilding positions in the region [7][8]. Sector and Industry Focus - Investment in large-scale enterprises is expected to grow by 34% to approximately $550 billion, benefiting sectors such as hardware, semiconductors, and AI. The "Asian Energy Upgrade" theme is highlighted, focusing on nuclear power, electricity, and renewable energy [9]. - The geopolitical tension between the U.S. and China presents opportunities for U.S. re-industrialization, with countries like South Korea and Japan increasing investments in response to U.S. demand [10]. China Market Outlook - The Chinese stock market is expected to remain robust, with the MSCI China index projected to rise by 15%-17% and the CSI 300 index by about 10%. Profit growth is forecasted to increase significantly from 4% to 14% [13][14]. India Market Strategy - The Indian market rating has been upgraded to "overweight," with expected earnings growth of around 15%. Key sectors include finance, consumer goods, and industrials, particularly in defense and energy security [16][19].

蓝鲸新闻1月9日讯（记者 陈晓娟）2025年，保险业继续延续"严监管"态势。记者不完全统计，2025 年，监管针对保险业开出约2300张罚单，罚款总额累计约4.07亿元。主要涉及给予合同以外利益、财务 数据不真实、虚构业务套取资金等违规行为。从处罚金额来看，大额罚单频现，人保财险、泰康在线领 千万级罚单，大地财险、北大方正人寿、天安财险等机构亦被罚超过200万元。 此外，伴随着监管问责机制的持续细化与强化，"双罚制"成为常态，个人处罚力度加码。记者梳理统 计，年内约警告2268人次，罚款2239人次，处罚金额累计8376万元，取消任职资格共计21人次，禁止从 事保险业共计119人次，其中49人被终身禁入保险行业，行业合规监管正迈向重质效、严问责阶段。 业内专家指出，当前监管不仅注重处罚的覆盖面，更侧重于针对核心经营主体与重点违规领域的深度打 击，通过高额罚金倒逼机构和管理层摒弃粗放式经营，强化合规意识。 2300余张罚单合计罚没超4亿 蓝鲸新闻记者根据公开数据不完全统计，2025年，监管针对保险业开出约2300张罚单，涉及保险公司及 分支机构约1381家，责任人约2364人次，罚款总额累计约4.07亿元。对比 ...