智通财经APP获悉，2月12日，国家发展改革委、金融监管总局、中国民航局联合发布《关于推动低空 保险高质量发展的实施意见》。其中提到，优化全产业链保险保障。引导保险公司主动顺应低空经济发 展趋势，逐步建立覆盖低空研发试验、生产制造、飞行运营、基建配套等全产业链保险产品体系。探索 对低空飞行安全、技术安全、网络与数据安全、环境与设施安全以及人为操作安全等低空新型风险保障 的产品开发和服务创新。加大中型、大型无人驾驶航空器保险供给，并进一步优化完善传统有人驾驶航 空器保险供给，推动形成保障充足、服务高效的保障体系。积极运用新兴科技手段，逐步实现微型、轻 型和小型无人驾驶航空器保险便捷智能、全流程线上运营。整合专业资源，优化承保理赔，提升消费者 满意度。加大出口信用保险、出口产品责任保险及再保险等支持力度，支持低空产业拓展海外应用。 原文如下： 国家发展改革委 金融监管总局 中国民航局 关于推动低空保险高质量发展的实施意见 发改低空〔2026〕123号 各省、自治区、直辖市及计划单列市、新疆生产建设兵团发展改革委，各金融监管局，民航各地区管理 局： 低空保险是以保障低空飞行活动为核心，为低空航空器制造与运营、低空基 ...

据悉，第一生命控股成为最新一家披露违规行为的公司。该公司与包括住友生命保险公司在内的日本另 外三大寿险公司表示，被派驻至销售其保险产品的金融机构的员工存在数据处理不当行为。第一生命控 股在声明中称，在2024年8月之前，来自第一生命控股及其子公司的64名派驻员工未经批准获取了超过 1,000条数据。与此同时，保德信金融(PRU.US)本月早些时候披露员工存在不当销售行为后，已暂停在 日本销售新的寿险产品90天。 日本保险公司过去也曾卷入价格操纵和不当销售等丑闻，但最新风波发生在金融行业尤为敏感的时期。 随着人口老龄化加剧，政策制定者正努力推动家庭资产从储蓄转向投资。日本金融厅(FSA)计划设立一 个部门，专门监管保险和资产管理行业，凸显出政策层面对保险公司的关注。研究企业管理的同志社大 学教授Hajime Ota表示："如果如此规模的丑闻持续发生，对整个行业的不信任可能会影响保险销售。" 尽管利率上升通常有利于保险公司经营，但日本保险股表现仍逊于大盘。过去一年，东证指数上涨 42%，而保险指数仅上涨32,;同期日本银行股指数则大涨76%。 （原标题：日本保险业丑闻频发！四大寿险巨头悉数卷入 信任危机加剧或成股 ...

21世纪经济报道记者崔文静 春节临近，不少上市公司派发分红"大礼包"。 在1月1日—2月11日的短短42天内，已经有100余家上市公司分红派现。其中不乏达仁堂、泸州老窖、欧 派家居、招商银行、古井贡酒、格力电器等每手（最小持股单位）分红超100元的上市公司。 ④ 民企分红意愿明显提升，金额翻倍增长 民企春节前分红金额616亿元，同比增长1.3倍，在春节前分红中占比由2025年的8%升至18%。 科技型龙头工业富联，格力电器、伊利股份等"现金奶牛"均首次实施春节前分红，分别派发66亿元、56 亿元和30亿元。 （文章来源：21世纪经济报道） ② 金融和大消费行业继续成为分红主力 茅台、五粮液、海天味业等大消费龙头合计分红448亿元；银行业分红2434亿元，占比近七成；保险业 合计分红54亿元；11家券商分红55亿元。 ③ 分红时点整体前移，"又好又快"回馈投资者 2025年12月实施分红2647亿元，是2024年12月分红金额的3.7倍，占春节前分红总额的比重提升至七成 以上。 相较于往年，今年上市公司分红呈现四大亮点： ① 春节前分红金额再创新高 2025年12月至2026年1月底，沪深北证券交易所235家上 ...

Group 1 - The core viewpoint of the article highlights the increasing trend of pre-Spring Festival dividends among listed companies, with a total amount of 348.8 billion yuan, surpassing the previous year's total of 344.6 billion yuan, setting a new record [1] - The financial and consumer sectors continue to dominate dividend distributions, with the banking sector contributing 243.4 billion yuan, accounting for nearly 70% of the total, and major companies like China Merchants Bank and Industrial Bank joining the trend [1] - The willingness of private enterprises to distribute dividends has significantly increased, with a total of 61.6 billion yuan, a year-on-year growth of 130%, indicating a broader reach to investors [3] Group 2 - Major companies such as Yangtze Power and Luxshare Precision are showing strong dividend intentions, with Yangtze Power planning to distribute over 5.1 billion yuan, maintaining a high dividend rate due to its stable power generation capabilities [2] - The overall timing of dividend distributions has advanced, with a significant increase in the amount distributed in December 2025, which is 3.7 times that of December 2024, benefiting investors by allowing them to enjoy the time value of money [3] - Regulatory bodies have been promoting improvements in the dividend system, transitioning from "soft constraints" to "hard requirements," which has encouraged companies to prioritize shareholder returns [3][4]

据悉，2025年，内蒙古中央财政补贴险种包括三大主粮(水稻、小麦、玉米)、向日葵、奶牛、生猪、森 林等28个大宗险种，内蒙古财政补贴的地方优势特色险种有草原、温室大棚及附加棚内作物、肉牛、肉 羊、生鲜乳等12个险种。 （来源：饲料行业信息网） 来源：饲料行业信息网 2月9日，记者从内蒙古自治区农业保险工作小组成员单位获悉：2025年，内蒙古政策性农业保险保费规 模达到82亿元，为174万农户提供风险保障5128亿元。 2025年，内蒙古充分吸收试点经验、结合农牧业产业需求等，构建起覆盖全面、保障有力的政策框架， 促进农业保险规范健康发展，形成"主粮保险托底、特色保险增收、附加保险提标"的保险体系，实现 种、养、林、草全领域覆盖。 在养殖业方面，内蒙古以农业保险为抓手撬动金融资源，全区银行、保险公司等金融机构协同探索全产 业链风险保障，推动政策性养殖业保单增信，有效破解融资难、抵押难问题。近日，巴彦淖尔市乌拉特 中旗驼宝宝养殖场通过"保险+信贷"联动模式，拿到了200万元专项贷款，用于扩大养殖规模与基础设施 建设。此前，中华财险内蒙古分公司为该养殖场提供了207万元的风险保障，并协同乌拉特中旗农商行 以保单为有 ...

周县华、杨徐进等在《保险研究》2025年第11期《农业保险精准赔付的影响因素及路径优化研究》一文 中指出，近年来我国农业保险实现了跨越式发展，然而农业保险赔付不精准问题始终存在，已成为制约 农业保险高质量发展的重要因素。文章从农户需求视角，研究了农业保险精准赔付的主要影响因素，并 利用2010年至2020年内蒙古自治区和吉林省的种植业保险调研数据，进行实证检验。研究发现，取消绝 对免赔率、提高保障程度、增加保费补贴，都有助于提高农业保险的精准赔付效果。同时，认为"一省 一费"政策可能会产生两个问题，一是造成农民之间缴费与风险错配的不公平，二是财政补贴资金难以 向高风险地区倾斜。两者都会显著降低农业保险的精准赔付效果，而风险区划能够使上述两个问题得到 明显改善。在此基础上，提出相关对策建议：持续扩大完全成本保险和收入保险覆盖范围，提高大灾条 件下的补偿率，稳定灾后农业再生产能力；建立以自然灾害风险为基础的风险区划机制，破解"一省一 费"政策带来的风险识别不精准问题；差异化费率不仅有助于实现风险与保费的匹配，也有助于引导财 政补贴资金向高风险地区倾斜，提升高风险地区精准赔付效果；优化保费补贴结构，将补贴比例与保障 ...

从需求侧看，分红险受到关注，与居民财富结构变化有关。在存款、债券等传统低风险资产收益率下降 的背景下，部分家庭开始关注兼具保障与长期收益潜力的产品形态。分红险的浮动收益特征意味着其结 果存在不确定性，实际收益取决于公司经营情况和市场环境。对行业而言，分红险如何在保障、收益与 风险之间取得平衡，仍有待在更长时间维度内观察。 日前，中英人寿在北京发布了一款成长型分红产品，该产品的预定利率与之前发布的产品相比有所下 调。近年来，随着市场利率水平持续走低，人身险行业的负债成本和资产配置环境同步发生变化。在这 一背景下，分红险的预定利率水平、红利分配方式以及资产负债匹配问题，逐渐成为行业关注的话题。 分红险并非新生事物，其基本结构是"保证利益+浮动红利"，红利部分与保险公司的实际经营成果相 关。在较长一段时间内，分红险更多承担储蓄和财富管理功能。不同阶段的利率环境和市场偏好，也使 分红险在实际销售和设计中呈现出差异化特征。 制度层面的变化，也在重塑人身险产品的定价逻辑。2025年1月，人身险预定利率动态调整机制正式落 地。国家金融监督管理总局下发《关于建立预定利率与市场利率挂钩及动态调整机制有关事项的通 知》，明确要求 ...

Core Viewpoint - The total dividend amount distributed by listed companies before the Spring Festival has exceeded the previous year, reaching a new high of 348.8 billion yuan, indicating a strong commitment to enhancing investor returns and satisfaction [1] Group 1: Dividend Distribution Overview - From December 2025 to January 2026, 235 listed companies on the Shanghai and Shenzhen stock exchanges distributed a total of 348.8 billion yuan in dividends before the Spring Festival, surpassing the 344.6 billion yuan from the previous year [1] - The financial and consumer sectors remain the primary contributors to dividend distributions, with banking companies alone distributing 243.4 billion yuan, accounting for nearly 70% of the total [1][2] Group 2: Industry-Specific Insights - Major banks, including China Merchants Bank and Industrial Bank, have joined the trend of pre-Spring Festival dividends, distributing a total of 37.5 billion yuan [2] - Leading consumer companies such as Kweichow Moutai, Wuliangye, and Haitian Flavoring & Food have collectively distributed 44.8 billion yuan in dividends, reflecting their commitment to enhancing intrinsic value and investor confidence [3] Group 3: Changes in Dividend Timing - The timing of dividend distributions has shifted earlier, with a total of 264.7 billion yuan distributed in December 2025, which is 3.7 times the amount from December 2024, and now accounting for over 70% of the total pre-Spring Festival dividends [4] - Major banks have also advanced their dividend payments to December 2025, with a combined total of 189.9 billion yuan [4] Group 4: Private Company Dividend Trends - The willingness of private listed companies to distribute dividends has significantly increased, with a total of 61.6 billion yuan distributed, representing a year-on-year growth of 130% and an increase in their share of total dividends from 8% to 18% [5] - Notable private companies such as Industrial Fulian, Gree Electric, and Yili have also initiated pre-Spring Festival dividends for the first time, distributing 6.6 billion yuan, 5.6 billion yuan, and 3 billion yuan respectively [5]

Group 1 - The total dividend amount distributed by listed companies before the Spring Festival has exceeded the previous year, reaching a new high of 348.8 billion yuan, surpassing the 344.6 billion yuan from the previous year [1] - Financial and consumer sectors continue to be the main contributors to dividends, with banking companies distributing 243.4 billion yuan, accounting for nearly 70% of the total [1] - The trend of pre-Spring Festival dividends reflects companies' commitment to enhancing investor returns and aligning dividend distribution with shareholder expectations [1][2] Group 2 - Major consumer companies such as Kweichow Moutai and Wuliangye collectively distributed 44.8 billion yuan in dividends, indicating a strong commitment to enhancing company value and investor confidence [2] - The timing of dividend distributions has generally advanced, allowing investors to benefit from earlier cash returns and better cash flow planning for the new year [3] - The willingness of private companies to distribute dividends has significantly increased, with a total of 61.6 billion yuan distributed, a 130% year-on-year growth, now accounting for 18% of the total pre-Spring Festival dividends [3] Group 3 - Regulatory bodies are promoting improvements in the dividend system, which includes restrictions on major shareholders' sell-offs for companies with low or no dividends, encouraging companies to prioritize shareholder returns [4] - The increase in cash dividends, especially among private companies, is seen as a significant indicator of the high-quality development of the capital market [4]

Group 1 - The total amount of dividends distributed by 235 listed companies before the Spring Festival reached 348.8 billion yuan, surpassing the previous year's total of 344.6 billion yuan, marking a new high [1] - The increase in dividend distribution is attributed to stable corporate profits and a strengthened awareness of shareholder returns, reflecting improved corporate governance [1] - The financial and consumer sectors remain the primary contributors to dividends, with the banking sector distributing 243.4 billion yuan, accounting for nearly 70% of the total [1] Group 2 - Major companies such as Yangtze Power and Luxshare Precision are actively participating in dividend distribution, with Yangtze Power proposing over 5.1 billion yuan in dividends, leading the distribution [2] - Small and medium-sized enterprises are also engaging in dividend distribution, focusing on specialized fields and benefiting investors, with three companies from the Beijing Stock Exchange distributing a total of 4.45 million yuan [2] - The overall timing of dividend distributions has advanced, with 264.7 billion yuan distributed in December 2025, 3.7 times that of December 2024, enhancing investor cash flow planning [2] Group 3 - The willingness of private enterprises to distribute dividends has significantly increased, with a total of 61.6 billion yuan distributed, a year-on-year growth of 130%, now accounting for 18% of the total [3] - Regulatory efforts have been made to improve the dividend system, transitioning from "soft constraints" to "hard requirements," which has pressured companies to prioritize shareholder returns [3] - The evolving dividend ecosystem in the stock market is fostering a culture of value investment, with predictable returns enhancing investor confidence and attracting long-term capital [3]