在资产端，保险业努力探索通过多种形式扩大绿色项目投资，为绿色产业注入源头活水。太平资产管理 有限公司参与投资"国家电投—渝恒1号—成渝双城经济圈能源基础设施碳中和绿色资产支持专项计 划"，太平资本保险资产管理有限公司落地华能新能源引战项目，助力水电、光伏电站基地建设，促进 能源产业绿色低碳转型。数据显示，2024年，中国太平深入践行可持续发展理念，大力发展绿色金融， 绿色保费同比增长27.4%，绿色投资同比增长16.9%。 业内人士表示，随着我国绿色金融政策体系日趋完善，保险业在全面支持低碳转型与绿色发展方面加大 力度，但仍存在绿色保险创新基础薄弱、发展动力不足、定价风控难度高等问题，建议进一步优化激励 约束政策、监督评价体系、信息共享机制，促进绿色保险更好服务于实体经济和社会民生。 （责任编辑：关婧） 绿色保险作为绿色金融的重要组成部分，可以充分发挥损失补偿、风险减量、资金引导的作用，助力经 济社会全面绿色转型。国家金融监督管理总局办公厅、中国人民银行办公厅近期联合发布《银行业保险 业绿色金融高质量发展实施方案》，提出保险公司要围绕服务经济社会发展全面绿色转型，研发有针对 性的风险保障方案，完善绿色保险体系 ...

Core Viewpoint - The recent private enterprise symposium signals strong national support for the private economy, guiding the insurance industry on how to better serve its development [1] Group 1: Support for Private Economy and SMEs - China Life Insurance Company aims to leverage its role as an economic stabilizer and social stabilizer to provide diverse and high-quality financial services to the private economy and small and micro enterprises [1] - The company has innovated products and services to support the growth of private enterprises, including the "Employee Welfare Insurance" series, which covers accidental death, disability, and medical expenses [2] - In 2024, the company served over 6,000 enterprises, providing risk protection for over 450,000 employees, with a total claim amount of 62.87 million yuan [2] Group 2: Risk Management Solutions - In Hainan, the company focuses on developing group health insurance and accident insurance for small and micro enterprises, providing comprehensive risk management solutions [3] - In 2024, the company insured 2,204 small and micro enterprise clients, covering 375,500 individuals, with total risk protection exceeding 158 billion yuan [3] Group 3: Innovative Service Models - The company has introduced a "Full Cycle Escort Plan" to help private enterprises reduce costs and improve efficiency, offering services such as cleaning and equipment maintenance [4] - In Shandong, over 20 enterprises have received free initial cleaning services, achieving a customer satisfaction rate of 100% [4] Group 4: Investment in Private Economy - China Life Insurance Company has invested 3 billion yuan in the National SME Development Fund, holding an 8.39% partner share [6] - The company has supported various private enterprises, including NIO, BYD, Meituan, Alibaba, and Xiaomi, through equity investments to facilitate industrial upgrades and high-quality development [6] - The company emphasizes its commitment to supporting national strategies and the real economy through market-oriented operations [6]

扩大长期投资改革试点范围、开展投资黄金业务试点、支持参与金融资产投资公司（AIC）股权投 资……在我国经济迈向高质量发展的新征程中，保险资金迎来一系列政策加持，正以更加积极多元的姿 态，展现出更大作为，成为推动实体经济发展与助力资本市场稳定的重要力量，充分彰显出其作为耐心 资本的独特担当。 截至2024年年末，我国保险公司资金运用余额达33.26万亿元，较2023年年末增长15.08%。这一增速不 仅超越了2023年的11.1%，更是连续两年维持在两位数的高位，彰显出保险资金强大的发展活力与巨大 的发展潜力。 越来越多的保险"长钱"积极响应资金入市号召。自2024年下半年以来，我国多部门合力推动长期资金进 一步入市，金融监管总局全力推进保险资金长期投资改革试点工作。由中国人寿和新华保险联合设立的 鸿鹄基金，首期500亿元已全部投资落地。今年年初，金融监管总局批复第二批试点，规模达520亿元， 太保寿险、泰康人寿及阳光人寿纷纷入围；2025年3月，又新增了第三批试点，规模达600亿元，人保寿 险、太平人寿、平安人寿等5家头部险企加入。截至目前，已有8家保险公司获批开展试点，累计获批总 金额达 1620亿元，为资 ...

智通财经3月26日讯（记者 王宏）2025年1月监管正式实施人身险产品预定利率动态调节机制，并公布 了首期预定利率研究值为2.34%。按照调节机制要求，当预定利率最高值连续两个季度高于研究值25个 基点以上，有可能触发人身险预定利率调整和产品调整。 4月即将公布的预定利率研究值将如何变化？智通财经记者独家获悉，预定利率研究值的方式存在具体 参考公式，参照5年期LPR、5年期定期存款利率和10年期国债收益率等综合确定。按照当前的市场利率 情况，业内人士预计预定利率四季度有可能下调。也有业内人士对智通财经记者表示，三四季度保险产 品出现规模下架存在一定可能。 预定利率研究值是如何产生的？ 对人身险产品预定利率的引导，监管一直十分重视。 2024年8月，金融监管总局发布《关于健全人身保险产品定价机制的通知》中提出，对人身险产品预定 利率上限进行调整，建立预定利率与市场利率挂钩及动态调整机制。2024年9月，新版"国十条"—— 《关于加强监管防范风险推动保险业高质量发展的若干意见》提出，支持浮动收益型保险发展。 2025年1月10日，智通财经记者曾独家报道，金融监管总局发布了《关于建立预定利率与市场利率挂钩 及动态调 ...

《实施方案》聚焦金融支持科技创新的重点领域和薄弱环节，多个部门政策组合，增加金融资源供给， 畅通科技三资循环，促进科创产业融合，持续推进科技金融服务提质、扩面、增效，加快实现高质量发 展。 《实施方案》提出，加强科技金融专业能力建设。一是强化数字赋能，鼓励金融机构研发数字化经营工 具，增强企业识别和筛选能力，提升经营管理质效和风险防控水平。二是健全科技金融风险分担机制， 实施支持科技创新专项担保计划，通过组建共保体、再保险等方式分散科技保险风险。三是促进企业信 息共享，推动强化科技创新相关领域信息基础设施建设，为科技信贷评审和保险定价提供信息支持。四 是改进第三方中介服务，提供有公信力的科技咨询、科技价值评估、技术风险评价服务。（赵白执南） 金融监管总局4月1日消息，金融监管总局、科技部、国家发展改革委近日联合发布《银行业保险业科技 金融高质量发展实施方案》提出，加大科技型企业信用贷款和中长期贷款投放，灵活设置贷款利率定价 和利息偿付方式；深化保险资金长期投资改革试点，支持保险公司发起设立私募证券基金，投资股市并 长期持有。 （责任编辑：马欣） 《实施方案》要求，加强科技金融产品体系建设。一是加大科技信贷投放 ...

中国经济网北京4月29日讯 国家金融监督管理总局网站近日发布的国家金融监督管理总局牡丹江监管分局行政处罚信息公开表（牡金监 罚决字〔2025〕20号）显示，新华人寿保险股份有限公司牡丹江中心支公司内控制度执行不到位，被警告并罚款1万元。 | 序 | 当事人名 | 行政处罚决定 | 主要违法违规行为 | 行政处罚 | 作出决定 | | --- | --- | --- | --- | --- | --- | | 름 | 称 | 书文号 | | 内容 | 机关 | | 1 | 中意人寿 保险有限 | | 内控制度执行不到位 | 警告并罚 款1万元 | | | | 公司黑龙 | 牡金监罚决字 | | | #1564# | | | 江省分公 | (2025) 19 | | | 融监管分 | | | 司材丹江 | 글 | | | 局 | | | 中心支公 | | | | | | | 司 | | | | | | 2 | 新华人寿 保险股份 有限公司 | 牡金监罚决字 (2025) 20 | | | #1500# 融监管分 | | | | | | 警告并罚 | | | | | | | 款1万元 | | | | #母江中 | ...

Core Insights - The increasing frequency and severity of natural disasters due to climate change necessitate the importance of catastrophe insurance as a risk management tool, providing over 20 trillion yuan in risk coverage for residents in 2024 [1][3] - The development of catastrophe insurance in China is supported by government policies aimed at expanding coverage and improving the insurance system [7][8] Group 1: Importance of Catastrophe Insurance - Catastrophe insurance plays a crucial role in disaster risk management and economic stability, with over 70% of cities and more than 50% of the population located in disaster-prone areas [3] - In 2024, the catastrophe insurance community provided 22.36 trillion yuan in risk coverage to 64.39 million households [3] Group 2: Current Challenges - The coverage of catastrophe insurance is limited, with voluntary participation leading to low awareness and willingness to pay among residents, resulting in varying coverage rates across regions [4] - The insurance industry in China only covers about 10% of losses from major disasters, compared to the global average of 40% [5] Group 3: Technological and Structural Improvements - There is a need for improved data sharing and risk assessment models, as current systems are fragmented across various government departments, hindering effective risk evaluation [6] - The establishment of a national catastrophe data sharing platform and investment in high-precision catastrophe risk models are recommended to enhance the effectiveness of catastrophe insurance [8] Group 4: Future Development - Recent policy initiatives, such as the "National Ten Articles" and the "National Emergency Response Plan," emphasize the expansion of catastrophe insurance coverage and the integration of commercial insurance into disaster management [7] - The insurance industry is encouraged to adopt flexible product designs and learn from successful international models to broaden the scope of coverage [7][8]

Core Viewpoint - Taiping Life Insurance has launched a new inclusive product, "Warm Forward," aimed at providing accident insurance for specific industries that employ a large number of new citizens, thereby enhancing risk protection for this demographic [1][4]. Group 1: Product Features - "Warm Forward" targets five specific industries: manufacturing, construction, wholesale and retail, transportation and warehousing, and residential services [2]. - The product includes coverage for occupational risks specific to new citizens, such as accidental death, disability, and medical expenses [2]. - High-risk occupations, including high-altitude workers and heavy truck drivers, are now included in the coverage, expanding the reach of inclusive insurance products [2]. Group 2: Pricing and Flexibility - The product adheres to inclusive principles with reasonable premium settings to ensure accessibility for more new citizens [2]. - It offers three different coverage plans based on varying insurance amounts and provides flexible insurance periods ranging from one month to one year [2]. Group 3: Strategic Direction - Taiping Life Insurance is committed to enhancing its inclusive insurance offerings, focusing on underserved populations and providing multi-layered insurance coverage [3]. - The company plans to continue expanding the "Warm Series" of products to meet the diverse needs of key demographics, including the elderly and children [3].

Group 1 - The recent LPR (Loan Prime Rate) adjustment has led to a decrease in both the 1-year and 5-year LPR by 10 basis points, now standing at 3.0% and 3.5% respectively, which is expected to impact various sectors including the insurance industry [1][3] - The decline in LPR is anticipated to push the predetermined interest rates for life insurance products to historical lows, with the industry expected to see a dynamic adjustment mechanism triggered in the third quarter [1][3] - As of May 15, the 10-year government bond yield has decreased to 1.69%, which, along with the LPR and fixed deposit rates, will influence the pricing and sales strategies of life insurance products [3] Group 2 - The insurance industry is preparing for a potential adjustment in the predetermined interest rates, with the first quarter's research value reported at 2.13%, down 0.21 percentage points from the previous value [3][4] - If the second quarter's research value remains below 2.25%, it will necessitate a reduction in the maximum predetermined interest rates for ordinary life insurance products, potentially leading to a further decline to around 2% [4] - The industry is facing increased business pressure due to the narrowing interest margin between life insurance products and other financial products, contributing to a decline in premium income [6] Group 3 - Regulatory bodies have conducted thorough research on the product switching cycle for life insurance companies to ensure a smooth transition amid the interest rate adjustments [5] - Many insurance companies have proactively prepared new products to adapt to the changing market conditions, with some companies already having new products ready for launch [6] - The industry is advised to enhance asset-liability management and focus on balancing various financial risks while also improving investment capabilities [8] Group 4 - The insurance sector is encouraged to leverage its unique risk management capabilities to provide comprehensive solutions that meet the diverse needs of clients, especially in health, retirement, and wealth management [9]

中国经济网北京6月9日讯 近日，国家金融监督管理总局湖北监管局披露的行政处罚信息公开表显 示，新华人寿保险股份有限公司湖北分公司因管理不善导致许可证遗失，遗失许可证未按规定向发证机 关报告，被湖北金融监管局警告并罚款2万元。 （责任编辑：李荣） | 序 | 当事人名 | 主要违法违规行为 | 行政处罚内容 | 作出决定 | | --- | --- | --- | --- | --- | | 를 | 称 中国人寿 | | | 机关 | | 1 | 保险股份 | 因管理不善导致许可 未按规定向发证机关 报告 | | 湖北金融 监管局 | | | | 证遗失,遗失许可证 | | | | | 有限公司 | | | | | | 武汉市分 | | 警告并罚款2万元 | | | | 公司江岸 | | | | | | 营销服务 | | | | | | 場 | | | | | 2 | 新华人寿 保险股份 | 因管理不善导致许可 证遗失,遗失许可证 | 警告并罚款2万元 | 湖北金融 | | | 有限公司 | | | | | | | 未按规定向发证机关 | | 监管局 | | | 湖北分公 | 报告 | | | | | 司 | ...