岁末年初是车险续保高峰期，关于车险续保"逆向涨价"的讨论持续升温。多位车主在社交平台反馈车险续保费用 上涨，即便自身无出险、无违章记录，保费仍有明显上调。 南都·湾财社记者通过市场调查与采访发现，车险市场呈现"分化定价"的特征。有专家表示，在"报行合一"监管深 化与行业风险结构变化的双重作用下，车险价格并非简单普涨，而是出现显著的差异化调整态势。车辆型号、年 限、行驶情况、历史出险记录乃至投保渠道等多重因素，共同决定了最终保费的涨跌走向。 续保遭遇"逆向涨价" 车主吐槽原因各异 "原本以为没出险能享最大折扣，结果报价比去年还高。"近期，不少车主在社交媒体上吐槽车险续保费用上涨， 且涨价原因五花八门。 一名北京车主表示，2025年底续保保费较上一年增加近2000元，业务员解释这与自然灾害频发推高行业赔付率有 关；一名宁夏新能源车车主则称，自己没出险也没违章，保费却"逆势上涨"，原因是"新能源车维修成本高企带动 行业整体定价上调"；还有一位北京车主透露，因去年车辆行驶里程超1万公里，"被保险公司判定为疑似网约车用 途，所以保费涨价了。" 对外经济贸易大学保险学院教授王国军对南都·湾财社记者表示，市场有涨有跌才是正 ...

盘面上看，保险、银行、地产等板块走低，有色、军工、零售、石油等板块强势，商业航天、军贸概 念、AI应用概念等活跃。 9日早盘，沪指盘中强势上扬，一度突破4100点，全A成交额半日突破2万亿元。 东莞证券表示，在连续放量上涨后，短期A股可能已进入必要的回落整固阶段，继续上攻前或先震荡整 理。往后看，随着"十五五"产业指引、海外流动性宽松、国内政策托底效应等多重利好因素释放，将继 续为A股市场提供支撑。后续增量稳经济政策的出台将不断驱动市场风险偏好回升，市场有望继续向上 演绎，迎接春季行情。建议关注红利、AI、半导体等科技自立自强核心赛道以及商业航天、电池、新 能源等景气度抬升的成长赛道。 截至午间收盘，沪指涨0.3%报4095.33点，深证成指涨0.57%，创业板指涨0.1%，沪深北三市合计成交约 2.08万亿元。 （文章来源：证券时报网） ...

Core Insights - China Life Insurance Company reported a total of over 62.24 million claims and over 100.4 billion yuan in claims payments for 2025, marking a year-on-year increase of 7% and 10% respectively [2][3] Group 1: Claims Performance - The total number of claims reached over 62.24 million, with a total payout exceeding 100.4 billion yuan, indicating strong performance in the insurance sector [2] - Health insurance claims accounted for over 78.8 billion yuan, with the distribution of claims across categories being 18.7% for death, 60.6% for medical, 17.9% for critical illness, and 2.8% for disability [2][3] Group 2: Service Innovations - The company has implemented a paperless claims process, reducing the need for paper documentation by over 51.21 million cases, which is more than 80% of total claims [2] - Over 75% of claims can be processed within one hour once all necessary documents are submitted, enhancing customer convenience [2] Group 3: Community Support - China Life served over 4.54 million rural residents with claims amounting to over 15.8 billion yuan, contributing to poverty alleviation efforts [3] - The company provided services to over 15.17 million elderly clients, with claims exceeding 11.3 billion yuan, demonstrating a commitment to supporting vulnerable populations [3] Group 4: Technological Advancements - The company has integrated technology into its claims process, utilizing internet, big data, and artificial intelligence to enhance efficiency and customer experience [4] - A new "one-stop settlement" service allows for claims to be processed immediately upon discharge from hospitals, serving over 5.3 million clients with nearly 1.6 billion yuan in claims [4] Group 5: Critical Illness Support - A "one-day claim" green channel was established for critical illness clients, processing claims for eligible cases on the same day, serving 234,000 clients with claims exceeding 10.6 billion yuan [5] - The "Kangning series" insurance products have become popular among clients, providing extensive health coverage [5] Group 6: Future Outlook - The company aims to deepen its integration into the multi-tiered national medical security system, focusing on providing diverse and intelligent services to ensure comprehensive protection for policyholders [6]

1月8日，宁波保险创新公众号消息，近日，宁波于全国团体标准信息平台发布《电梯安全风险减量综合 保险服务规范》团体标准。电梯安全综合保险是宁波依托国家保险创新综合试验区的政策优势，于2016 年8月在全国首创的综合性风险保障模式。该模式核心为"保险+服务+科技"，通过保险机制全面介入电 梯安全管理，融合财产损失险、责任险等保障，并借助科技手段对维保全过程进行监督，实现了电梯安 全治理从单一行政监管向"事前预防、事中监控、事后补偿"全流程社会综合治理的转变。 关键词阅读：宁波 责任编辑：栎树 ...

公告显示，汇丰保险（亚洲）有限公司于2026年1月6日签署书面决议，同意本次增资事项的议案。本次 拟增资金额为人民币5.56亿元，由公司唯一股东汇丰保险（亚洲）有限公司全额出资，无新增股东，增 资后汇丰保险（亚洲）有限公司持有公司100%股权比例维持不变。 1月8日，汇丰人寿保险有限公司发布公告称，该公司唯一股东汇丰保险（亚洲）有限公司，拟向公司增 资人民币5.56亿元，增资后公司注册资本将由人民币26.76亿元增至人民币32.32亿元；增资事项获得监 管批准之际，对公司章程注册资本相关条款进行相应修订。 ...

Group 1 - The Shanghai Composite Index reached a high of 4100 points in early trading but narrowed its gains to close at 4095.33 points [1] - A-shares showed mixed performance in early trading, with over 60 stocks hitting the daily limit up [2] - The internet and cultural media sectors led the gains, while banking, insurance, oil and chemical, and household goods sectors experienced the largest declines [2] Group 2 - Rare metals surged over 5%, leading the popular concepts, while platforms like Xiaohongshu, Kimi, AIGC, and influencer economy also saw increases [3] - Industrial gases, silicon energy, photovoltaic, and semiconductor equipment concepts fell by more than 1% [3]

Core Viewpoint - The Financial Regulatory Administration has issued a notification to clarify policies and standards for the non-auto insurance sector, addressing issues arising from the implementation of the "reporting and issuing together" policy, aiming to unify industry execution standards [1][3]. Group 1: Policy Clarification - The notification aims to address irrational competition in the non-auto insurance market, which has led to high costs, continuous underwriting losses, and high accounts receivable, negatively impacting cash flow and financial stability of insurance companies [1]. - The notification specifies that property insurance companies must issue policies and invoices after receiving premiums, while insurance intermediaries collecting premiums do not qualify as "reporting and issuing together" [1][2]. Group 2: Implementation Challenges - The notification acknowledges that certain business scenarios, particularly those involving government agencies and public interests, may not meet the "reporting and issuing together" requirement, allowing for exceptions under specific conditions [2]. - It emphasizes that insurance companies should reasonably determine the structure of installment payments, ensuring that subsequent payments are consistent or decreasing, with the final payment not exceeding the average installment amount [2]. Group 3: Industry Impact - Experts indicate that the notification represents a comprehensive effort to address existing issues in the non-auto insurance sector, promoting high-quality development by enforcing the "reporting and issuing together" policy [3].

今天分享的是：益索普：2025年链接大湾区-解码香港未来消费图景报告 报告共计：54页 益普索2025年大湾区-香港消费图景报告总结 益普索2025年专项调研报告深入剖析了大湾区与香港之间的消费流动趋势，揭示了香港消费市场的挑战与机遇。报告围绕香港居民北上消费、大湾区游客南 下消费及内地新来港居民消费三大核心维度展开，为香港市场发展提供了数据支撑与行动指引。 香港居民北上消费已成为主流生活方式，45%的18-64岁香港居民每月至少前往大湾区一次，人均月出行1.3次，66%的居民计划未来三个月内出行。千禧一 代与高收入人士是核心推动群体，出行模式以"悠闲慢游"为主，55%的受访者会选择过夜，人均消费达2763港元，远超一日游的1049港元。核心动机集中在 美食体验（73%）、物美价廉（67%）和周末观光（66%），且随出行频率增加，消费动机从休闲娱乐向生活方式融合演进。这一趋势导致香港每月约106亿 港元消费外流，主要流向餐饮、日用百货等领域，超半数居民认为这对本地商铺经营产生负面影响，但59%仍认可其对个人生活的积极作用。 大湾区游客南下为香港带来显著经济动力，2025年上半年内地游客零售消费218亿港元，餐 ...

| 附件 1: 变更注册资本及股东前后股权结构对照表 | | --- | 公司股东厦门象屿集团有限公司拟将其所持有的全部公司股权（合计22500万股股份，总股本占比15%）以及由该 股权而派生的所有权益，转让给公司股东福建省投资开发集团有限责任公司。本次股份转让和增资完成后，厦门 象屿集团有限公司将退出海峡金桥财险股东行列，福建省投资开发集团有限责任公司持股比例由20%提升至 48.652%。上述变更注册资本及股东事项待福建金融监管局批准程序后生效。 责任编辑：栎树 关键词阅读：海峡金桥财险 增资 1月7日，海峡金桥财险发布公告称，公司于2025年12月30日召开的2025年第五次股东大会（临时会议），审议通 过了《海峡金桥财产保险股份有限公司关于变更注册资本及股东的议案》。公司拟增资10亿元，发行股份32.26亿 股。经股东优先认购程序和投资者认购后，最终确定福建省投资开发集团有限责任公司、福建发展高速公路股份 有限公司、福州市投资管理有限公司、福建省船舶工业集团有限公司认购公司新增股份。以上投资者认购公司股 份的认购金额均计入公司注册资本，增资后注册资本变更为25亿元。 | 月 | | | 变更注册资本及 ...

关键词阅读：农业保险 责任编辑：栎树 安徽省财政厅官网消息，1月8日，安徽省财政工作会议在合肥召开。会议提到，要坚持守正创新、先立 后破，大力推进财政科学管理，以零基预算改革为牵引深化财税体制改革，全面推进"农业保险+一揽 子金融产品"改革，防范化解地方政府债务风险，兜牢基层"三保"底线，提升财会监督震慑力。 ...