上月底，横琴人寿保险有限公司（下称横琴人寿）宣布获地方国资注入、完成超18亿元关键增资后，董事长钱仲华发微信朋友圈公开表示"我的任务基本完 成了"。此举被外界解读为官宣退位。当时公司相关工作人员表示，目前公司正在核实，现阶段不便置评，请以公司后续正式公告为准。 近日另有消息称，华金证券总裁燕文波将调任横琴人寿拟任董事长。该消息目前还未得到横琴人寿的回应。 作为"太保系"的"60后"老将，钱仲华在中国太保工作时间接近三十年，直至2011年后晋升为太保寿险副总经理、总经理，并正式步入太保寿险乃至太保集团 高管行列；2019年3月-2022年7月，任中国太保总审计师、审计负责人，审计中心党委书记。 2023年他在退休后被聘为横琴人寿独立董事，2024年，横琴人寿原董事长兰亚东辞职，随后与其相关的多位高管出走。彼时横琴人寿急需有能力的高管力挽 狂澜，在此背景下，时值62岁的钱仲华被选举为横琴人寿第二任董事长，任职资格在当年7月获监管核准。 据悉，自钱仲华正式上任横琴人寿之后，除了在人事方面做了诸多调整外，在业务层面主要确定了"坚定发展个险，稳健经营银保"的双轮驱动战略。在个人 营销渠道着力打造"金莲花"模式，选择了广 ...

Core Viewpoint - The financial education campaign organized by Ping An Health Insurance Beijing Branch aims to enhance financial consumer risk awareness and safeguard the financial safety of various consumer groups, particularly focusing on foreign nationals, the elderly, new citizens, and youth [1][8]. Group 1: Event Overview - The event took place on February 6 and was guided by the Beijing Regulatory Bureau of the National Financial Supervision Administration, collaborating with multiple local organizations [1]. - The theme of the campaign was "Spreading Financial Knowledge, Brewing Wealth Life," utilizing a combination of professional presentations, interactive activities, public health services, and convenience services [1][8]. Group 2: Target Audience and Content - The campaign specifically targeted four consumer groups: foreign nationals, the elderly, new citizens, and students/youth, providing tailored financial knowledge and services [1][8]. - It included a focus on high-frequency fraud scenarios such as stock trading, gold bar purchases, and investment management, with practical advice on recognizing scams [3]. Group 3: Interactive Learning - The event featured engaging activities like a choir performance of an anti-fraud song, a quiz game with rewards, and a financial safety obstacle course, making learning enjoyable and memorable [5]. - Participants could win prizes by answering questions correctly, reinforcing their understanding of financial safety in a fun environment [5]. Group 4: Health Services - A special public health consultation area was set up, where experienced medical volunteers provided free health consultations, blood pressure and blood sugar tests, and advice on common health issues [6]. - This initiative aimed to address the health needs of different consumer groups while they learned about financial knowledge, showcasing the institution's commitment to community service [6]. Group 5: Future Plans - Ping An Health Insurance Beijing Branch plans to continue its efforts in financial consumer rights protection, focusing on innovative educational formats and addressing the financial needs of special consumer groups [10]. - The company aims to extend its consumer protection services and collaborate with various sectors to strengthen the financial safety net for the community [10].

党的二十届四中全会擘画了"十五五"发展宏伟蓝图，对加快高水平科技自立自强、引领发展新质生产力作出科学部署，为做好金融"科技大文章"明确了行动 方向。人保财险各级党组织坚决贯彻党中央决策部署，落实人保集团党委工作要求，以守正创新的金融实践，推动保险保障精准覆盖"实验室—生产线—大 市场"创新全链条。 党建引领强化源头保障， "这种科研项目虽然应用前景好，但技术难度高，不确定性大。投保后，我们推进项目研发的信心和底气都更足了。"雄安新区某科创企业的负责人拿到概念 验证与小试综合保险保单后如此表示。近年来，人保财险聚焦创新起步阶段，在雄安新区、江苏、安徽、湖北等地同步签发首批概念验证与小试保险、中试 验证保险。截至2025年末，全系统为AI诊断、医疗健康等前沿领域科创项目提供风险保障超67亿元，以明确的风险兜底推动一批原始创新成果萌发落地。 党建共建聚焦产业转化， 支撑"从1到100"的跨越发展 为推动科技成果跨越产业化的"死亡之谷"，实现从实验室零星样品走向规模化生产的"从1到100"跃升，人保财险各级推动服务模式转型，对接重点实验室与 产业园区，通过联学联建开拓服务前沿阵地，共同突破成果转化的风险瓶颈。 "技术 ...

Core Viewpoint - The insurance industry maintains a recommended rating, supported by a "slow bull" market trend that benefits both asset returns for insurance companies and sales of floating income-type dividend insurance [1] Group 1: Life Insurance Companies - In 2023, life insurance companies achieved a cumulative premium income of 43,624 billion, with a year-on-year growth of 8.9%, slightly down from 9.1% [3] - December's premium income for life insurance companies was 2,152 billion, showing a year-on-year increase of 6.0%, with life insurance premiums at 1,683 billion, up 10.1% [3] - The strong performance in life insurance is expected to continue into 2026, particularly in the bancassurance channel, where new single premiums are anticipated to double [3] Group 2: Property Insurance Companies - Property insurance companies reported a cumulative premium income of 17,570 billion in 2023, with a stable year-on-year growth of 3.9% [4] - December's premium income for property insurance was 1,413 billion, with a year-on-year increase of 4.4%, and auto insurance premiums at 977 billion, up 2.2% [4] - Non-auto insurance premiums in December reached 437 billion, showing a significant year-on-year growth of 9.6%, driven by low base effects from the previous year [4] Group 3: Overall Industry Performance - The total premium income for the insurance industry in 2023 was 61,194 billion, reflecting a year-on-year growth of 7.4% [5] - By the end of December, the total assets of the insurance industry reached 413,145 billion, a 15.1% increase from the beginning of the year, while net assets grew by 10.2% to 36,640 billion [5] - Investment recommendations include China Ping An, New China Life, China Life, and China Taiping, with a focus on the long-term investment value of China Property Insurance [5]

Core Viewpoint - The financial consumers are facing new challenges despite enjoying convenient services, including hidden credit card fees, deposits turning into insurance, and misleading investment practices, which complicate their ability to protect their rights [1][2] Group 1: Consumer Issues - Financial consumers are encountering issues such as "invisible" credit card charges, deposits being converted into insurance products, and difficulties with investment products and claims [1][2] - New tactics like algorithm-driven lending and accidental insurance purchases through apps are emerging, making it harder for consumers to prove their cases and prolonging the process of defending their rights [1][2] Group 2: Initiative for Consumer Protection - Sina Finance has launched the "2026 Financial 315 Exposure Platform" to protect the legal rights of financial consumers and promote a fair, transparent, and healthy financial consumption environment [2] - The initiative invites the public to report various issues and infringement clues encountered with banks, insurance companies, internet finance, and third-party payment institutions [2] - The platform has been running for thirteen years, emphasizing that real feedback contributes to industry progress and helps improve the financial consumption ecosystem [2]

2026年2月10日星期二 ➢ 英政坛危机；Alphabet发债获热捧。A 股突破上周压力位，强势上行。上证指 数收涨1.41%报4123.09点，深证成指涨 2.17%，创业板指涨2.98%。光伏涨幅居 前。恒指跳空高开，午后走势顽强，香 港恒生指数收涨1.76%报27027.16点，恒 生科技指数涨1.34%，恒生中国企业指数 涨1.52%。保险、半导体、科技等集体反 弹。大市成交额2551.416亿港元。外盘 方面，欧洲三大股指收盘全线上涨，美 国三大股指全线收涨，道指涨0.04%报 50135.87点，续创收盘新高，标普500 指数涨0.47%报6964.82点，纳指涨0.9%。 在得到内阁全员表态支持后，英国首相 斯塔默的执政危机暂时缓解。Alphabet 料通过发行美元债筹资200亿美元。 资料来源：彭博 | 27027.16 | 1.76 | 5.45 | | --- | --- | --- | | 9168.33 | 1.52 | 2.86 | | 5417.60 | 1.34 | -1.78 | | 118.71 | -0.61 | -3.85 | | 4123.09 | 1.41 | 3. ...

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Core Insights - The article highlights the strong market entry of Chow Tai Fook Life Insurance's "Craftsmanship • Inheritance" savings insurance plan, which has gained significant attention due to its high expected returns and flexible withdrawal options [1] - The plan has been upgraded to offer a comprehensive wealth solution that includes multi-currency options, intelligent services, and innovative features [1] Product Features - The "Craftsmanship • Inheritance" 2 plan now includes five additional policy currencies: GBP, AUD, CAD, EUR, and SGD, expanding the total to eight currencies, which enhances global coverage and breaks the limitations of single currency policies [2] - The premium payment process has been upgraded, allowing customers to use a dedicated Citibank account for seamless transactions without the need for currency exchange or reconciliation [2] - The new "ePay" feature allows customers to pay premiums directly via Alipay Hong Kong, significantly improving payment convenience [4] - The plan includes a "currency conversion option" that allows policyholders to switch between the eight currencies after the third policy anniversary, catering to various cross-border financial needs [4] Customization and Flexibility - The plan introduces a customizable "life event option" for death benefit payments, allowing policyholders to define specific life events for beneficiaries, enhancing the emotional significance of the payout [5] - Policyholders can designate representatives to access benefits if they become mentally incapacitated, streamlining the process without complex legal procedures [7][8] Financial Performance - The plan boasts a 100% dividend payout rate over the past ten years, indicating strong reliability in expected returns [9][13] - It offers flexible premium payment options with a guaranteed return period of 13 years, and projected internal rates of return (IRR) of 4.18% over 10 years and up to 6.02% over 20 years, significantly outperforming industry averages [9][11] - A promotional period until March 31, 2026, offers a guaranteed annual interest rate of up to 7.1% for USD policies, enhancing wealth accumulation potential [9][11] Company Background - Chow Tai Fook Life Insurance, part of the Chow Tai Fook Group, has a 40-year history in the Hong Kong insurance market, emphasizing long-term trust and customer-centric values [11][13] - The company is recognized for its robust investment capabilities and risk management, ensuring customer wealth protection [13]

Core Viewpoint - UBS reported that AIA Group's stock price fell by 8% over two trading days (February 5 and 6), with no specific news related to the company, suggesting profit-taking after outperforming the Hang Seng Index by 13 percentage points in the past two months [1] Group 1 - UBS highlighted concerns among some investors regarding the pressure on new business value growth due to a high base caused by temporary factors [1] - Despite the concerns, UBS emphasized growth opportunities from the migration of deposits from mainland China, indicating that while bancassurance is not AIA's primary focus, it can leverage its elite agency team targeting middle-class and affluent clients [1] - AIA is expected to benefit significantly from its focus on protection products and strong distribution capabilities, positioning it well to capitalize on the demand for Hong Kong insurance products that offer broader investment options and higher expected returns for mainland tourists [1] Group 2 - UBS set a target price of HKD 106 for AIA and maintained a "Buy" rating [1]

国家金融监督管理总局等五部门联合发布风险提示，剑指此类"全额退保"陷阱仅仅三天后，北京商报记 者在社交平台上，依然能轻易地"偶遇"这些幽灵般的账号。它们像狡黠的捕猎者，将短视频平台作为公 开的"诱饵投放点"，一旦有潜在客户上钩，便迅速将交流阵地转移到更为私密的社交应用，在"一对 一"的聊天中，继续兜售着"1—3个月全额退保"的虚假希望。 图说：北京商报记者浏览到的仍活跃于短视频平台的"退保"视频图说：北京商报记者浏览到的仍活跃于 短视频平台的"退保"视频 这些视频里，常常闪现着金融机构的标识与场景，配以"新政已开通道""专业法务团队"等极具迷惑性的 说辞，甚至用"葆费"代替"保费"，以躲避平台的文字审核。一面是监管层高调拉响的警报，另一面是地 下黑灰产如野草般在算法缝隙中继续滋生。在这场围绕保单现金价值的隐秘战争中，谁是猎人，谁又是 猎物？当"维权"成为一门被精心包装的生意，消费者乃至整个保险行业，又暴露在怎样的风险之下？ 手机屏幕的光，映照着一张张看似专业、诚恳的脸。"律师事务所"的认证标识赫然在目，短视频中弹出 诱人的承诺："年前就能帮你拿回全部保费""不管哪家公司，通通都能退"。这并非发生在某个隐秘的地 ...