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]

方先生的转变，正是金融活水精准滴灌"三农"的生动写照。通过保险应对农业风险，让农户敢于扩 大生产规模、敢于应用新技术，直接推动了油菜扩种潜力的挖掘。 中国太保产险浙江海宁支公司相关负责人表示："创新商业性制（繁）种保险，是保险护航粮食安 全、制种产业振兴的重要环节。希望通过这一创新产品，为油菜制（繁）种产业提供可持续的风险保 障，让农户和企业敢投入、能发展，有效推动油菜制（繁）种产业规模化、标准化。" 2026年是"十五五"规划开局之年，做好"三农"工作至关重要。中国太保相关部门负责人表示，将持 续聚焦主责主业，因地制宜创新金融产品、优化服务模式，切实发挥保险经济减震器和社会稳定器作 用，让金融活水精准滴灌乡村振兴的每一个角落。 粮油安全是"国之大者"。近日发布的中央一号文件提出，"推进粮油作物大面积提单产""拓展油 菜、花生、油茶等生产空间"。这一政策导向为我国油料作物产业的高质量发展指明了方向，也对金融 服务"三农"提出了更高要求。 为积极响应国家号召，助力粮油制种产业发展，中国太保产险浙江分公司近日成功落地全国首单商 业性油菜制（繁）种保险，为当地粮油制种产业进一步筑牢风险防护网。该保险既弥补了传统政策 ...

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].

科技赋能，让农业防灾减灾有了"智慧中枢"。 "往年就怕天冷旱情重，小麦越冬难。去年12月中旬，保险公司不仅送来了'回春'的叶面肥，还和 专家一起手把手教我施肥。"冬日里，江苏宿迁宿城王官集镇的种粮大户老王站在自家麦田边，脸上满 是笑意。他种的248亩小麦因气候原因下播偏晚，又遇上干旱降温，麦苗越冬的事一度让他忧心忡忡。 人保财险及时送来的专业防灾服务，给老王吃了颗"定心丸"。 2026年中央一号文件将"强化农业防灾减灾体系建设"摆在提升农业综合生产能力和质量效益的重要 位置。在业内人士看来，农业防灾减灾具有鲜明的公共产品属性，但过度依赖财政投入会给地方政府带 来一定压力。保险作为分散农业风险的重要金融工具，可以有效发挥市场机制作用，与政府防灾减灾工 作形成互补，为现代化农业生产保驾护航。 《金融时报》记者在采访中了解到，目前，人保财险已全面构建农业风险减量服务体系，在全国系 统性推进农业保险风险减量工作，建立"保防减救赔"一体化服务模式。这一模式促进了农业保险从传 统"事后补偿"向"事前预防、事中减损、事后快赔"全链条转型，实实在在地守住了国家粮食安全、丰富 了百姓的"菜篮子"。 据人保财险相关负责人介绍，该 ...

从最初试种10亩起步，逐步拓展至2025年在觉吉村、鹿角湾村连片建设200亩示范林，目前，雷波 县油橄榄种植面积已突破330亩，预计三年内将陆续进入丰产期，2030年总产量有望达到40万斤，形成 规模化产业。 雷波县以彝族为主体的少数民族人口占60.24%。汶兴服饰厂专注特色彝绣文化服饰生产，一度因 产品销路打不开而深陷困境。 在产中，为帮助该企业拓宽产品销路，中国平安充分调研，建议企业选定市场需求广泛的员工通 勤"托特包"作为主推产品。依托平安"妈妈的针线活"公益项目下的"橙色工坊"，引入中央美院团队提供 设计指导，组织服饰厂骨干员工赴深圳纺织企业培训，并捐赠10万元用于专业设备采购，帮助服饰厂提 升生产工艺与效率。 雷波县地处四川省西南边缘的横断山脉东段小凉山，是国家乡村振兴重点帮扶县。五年前，中央作 出重要战略部署，在西部10个省份确定160个国家乡村振兴重点帮扶县，从财政、土地等多方面给予集 中扶持。在中央纪委、四川省纪委、凉山州纪委"三级纪委"定点帮扶下，雷波县已于2019年顺利实现脱 贫摘帽，当前正依托产业全面发力，扎实推进乡村全面振兴。 中国平安集团党委副书记黄宝新提出，乡村振兴帮扶工作是一项系 ...

Investment Rating - The report maintains a "Positive" investment rating for the non-bank financial sector [11] Core Insights - The non-bank sector has shown weak overall performance this week, with a recommendation to seize allocation opportunities in the brokerage sector despite a market trading decline. The insurance sector is expected to see improved long-term return on equity (ROE) and valuation recovery, suggesting a positive allocation strategy [2][4] - The report continues to recommend companies with stable profit growth and dividend rates, including Jiangsu Jinzhong, China Ping An, and China Pacific Insurance, highlighting their strong market positions [4] - Additional recommendations include New China Life, China Life, Hong Kong Stock Exchange, CITIC Securities, Dongfang Caifu, Tonghuashun, and Jiufang Zhitu Holdings based on performance elasticity and valuation [4] Industry Performance - The non-bank financial index decreased by 0.6% this week, with a year-to-date decline of 1.1%, ranking 29th out of 31 sectors. The market's trading activity has decreased, with an average daily turnover of 24,066.54 billion yuan, down 21.43% week-on-week [5][15] - The insurance sector saw a year-on-year premium income increase of 7.43% in December 2025, with property insurance and life insurance revenues growing by 3.92% and 8.91%, respectively [18][19] - The report notes a recovery in the stock financing scale in January 2026, with equity financing reaching 134.86 billion yuan, up 103.4% month-on-month, while bond financing decreased by 15.6% [46] Key Industry News - The Hong Kong Monetary Authority released the "Management Measures for Bank Insurance Institution Licenses" to enhance regulatory compliance [59] - The People's Bank of China and other departments issued a notice to further prevent and manage risks related to virtual currencies [60] Company Announcements - CITIC Securities announced a cash dividend distribution of 0.29 yuan per share, totaling 4.298 billion yuan [63] - Red Tower Securities reported a share buyback of 16.03 million shares, accounting for 0.34% of total shares, with a total expenditure of 140 million yuan [62] - Huatai Securities plans to issue H-share convertible bonds totaling 10 billion HKD, with an initial conversion price of 19.7 HKD per share [68]

每经记者|涂颖浩 每经编辑|廖 丹 2月28日下架！最近蚂蚁保平台销售的两款定期寿险打出"即将下架"的标签，产品宣传页面称，3月1日起新产品涨价"7%+"，现在买更 划算。 事实上，这并非个例，今年以来定期寿险涨价的消息不断传出。《每日经济新闻》记者注意到，与以往寿险产品切换不同，本轮涨价 产品仅涉及定期寿险这一个险种。 那么，本轮定期寿险涨价的推动因素是什么？对于即将涨价的定期寿险，消费者需要赶在停售前购买或加购吗？ 多款热销定期寿险将停售 视觉中国图 近期，定期寿险掀起一轮停售潮。据业内发布的停售通知，多款热销定期寿险将于2月至3月停售，后续新上线的定期寿险整体费率预 计上调5%至10%。 有保险业内人士在与记者交流时提到，这是一轮定期寿险的普涨，各家公司选择的时间点不同，但迟早都要涨。 定期寿险，简单来说就是保一段时间的寿险——用很便宜的保费，买到很高的身故/全残保额，主要用来防范家庭顶梁柱突然出事，家 庭经济直接断档的风险。 慧择保险经纪保险产品总监叶鹏程在受访时介绍称，定期寿险是一个极具代表性的身价高杠杆寿险产品品类，产品责任极其简洁，核 心责任是保障因为各类风险（比如意外、疾病等）导致的身故赔付， ...

"作为中国智能网联新能源汽车领域的深度参与者，我们深刻认识到，着力破解新能源车险'投保难、保 费贵、承保亏'困局，具有重要的战略与现实意义。"全国政协常委、赛力斯集团董事长张兴海说，金融 监管总局推进新能源车险改革的一系列举措，不仅助力保障消费者权益、打通堵点卡点，更有助于护航 新能源汽车产业高质量发展。 新能源车险投保难题的不断解决，离不开张兴海等代表委员的关注与推动。2025年全国两会期间，张兴 海提出了一份关于完善新能源车险的提案，建议完善风险分担机制，切实解决投保难题。 这是金融监管总局将办理建议提案与实际工作相结合的一个缩影。2025年，金融监管总局承办建议提案 683件，其中全国人大代表建议393件、全国政协委员提案290件。内容主要集中在金融服务实体经济、 防范化解金融风险、深化金融业改革开放、全面加强金融监管等方面。 民营经济是推动创新、促进就业、改善民生的重要力量，如何进一步加强银行信贷对民营经济的支持是 一个重要课题。 全国人大代表、泰豪集团董事会主席黄代放在2025年全国两会期间建议，优化还贷续贷管理机制，扩大 无还本续贷和借新还旧的适用范围，完善合规管理机制，鼓励信贷投放。 通过"读题 ...

（来源：黑龙江日报） 登上往返景区的客运大巴，志愿者化身"安全宣传员"，逐车张贴"全程系好安全带"提示贴，面对面为乘 客科普乘车规范，引导大家养成安全出行习惯。同时，他们还为坚守春运一线的驾驶员送上慰问品，道 一声辛苦、送一份安心，叮嘱他们牢记责任，杜绝疲劳驾驶、超速行驶，用平稳驾驶守护每一位游客的 团圆之旅。 从高速口的反光锥引导，到景区周边的安全宣讲，此次警保联动活动以"小举措"筑牢"大安全"，将风险 减量工作落到实处。平安产险哈尔滨中心支公司表示，将持续深化警保合作，聚焦景区、高速等重点出 行场景，以更接地气的宣传形式、更贴心的服务举措，守护群众春运平安，让每一位游客都能安心畅游 亚布力的冰雪美景。 转自：黑龙江日报 本报讯（记者李爱民）春运大幕拉开，亚布力的冰雪美景吸引着八方游客，而一条条通往景区的道路 上，"平安守护"的暖流已然涌动。近日，平安产险哈尔滨中心支公司、平安志愿者团队与当地运管部 门，在亚布力高速出入口、西站广场及景区周边路段，共同打响"平安守护者行动——万家灯火 守护团 圆路"春运交通安全保卫战。 凛冽寒风中，一个个醒目的反光锥成为道路上的"安全坐标"，志愿者与交警默契配合，用橙红色锥 ...

Core Viewpoint - The cautious approach of insurance funds in the gold market reflects a combination of risk awareness and a lack of professional capability, despite the theoretical potential for significant investment [1][5][7]. Group 1: Policy and Market Entry - The pilot program for insurance funds to invest in gold was officially launched on February 7, 2025, with ten insurance companies approved to participate [1][4]. - By March 2025, several major insurance companies, including China Life and PICC Property and Casualty, completed their first gold transactions, marking a significant step in the integration of gold into their investment strategies [2][3]. Group 2: Investment Strategy and Caution - Despite the opening of the investment channel, insurance companies have been cautious, with many reporting low gold investment ratios, indicating a trial phase rather than aggressive investment [3][5]. - The theoretical investment cap for the ten pilot companies is nearly 200 billion, but actual allocations remain low, reflecting a careful approach amid market volatility [5][8]. Group 3: Challenges and Professional Barriers - The complexity of gold as an asset, including its price volatility and the need for sophisticated analysis, poses significant challenges for insurance companies lacking experience in precious metals investment [5][6]. - Regulatory requirements mandate that insurance companies maintain strict internal controls and risk management practices, adding to the operational challenges [6]. Group 4: Long-term Perspectives - From a long-term perspective, gold is being recognized for its strategic value in diversifying risk and enhancing portfolio resilience, especially in uncertain global market conditions [7][8]. - The shift towards including gold in investment portfolios is seen as a response to the limitations of traditional fixed-income assets, which have been under pressure due to low interest rates [7][8].