人保财险陕西分公司负责人介绍，华天科技（宝鸡）有限公司作为集成电路封测企业，拥有光刻机、刻 蚀机等价值数千万元的精密设备。此类设备一旦因突发故障或自然灾害受损，不仅维修成本高昂，还可 能导致产线停滞，影响企业订单交付与市场份额。此次提供的保险产品为该企业提供了从硬件资产到经 营利润的全链条保障，有效降低技术敏感性风险对企业的冲击。 此次业务的落地，是人保财险陕西分公司聚焦战略性新兴产业、主动对接科创企业风险保障需求的重要 成果，破解了集成电路企业高价值资产保护等问题，助力培育新质生产力。 本报讯 （记者 杨光）记者9月15日从陕西省保险协会获悉：中国人民财产保险股份有限公司陕西省分公 司（以下简称"人保财险陕西分公司"）近日落地全国首单集成电路运营期综合保险业务，为集成电路企 业华天科技（宝鸡）有限公司在运营期的风险防护提供了创新金融解决方案。 这款保险产品针对集成电路企业运营期的核心风险特点，整合财产一切险、机器损坏险及营业中断险三 大保障维度，精准覆盖企业因自然灾害、意外事故导致的厂房设备直接物质损失，设备自身缺陷、操作 失误引发的精密设备损坏，以及上述损失造成的间接经营利润损失与维持费用支出。目前，人保 ...

中国财险公布25H1 业绩，上半年公司保险服务收入和净利润分别增长5.6%和32.3%至2490 亿元和245 亿元，综合成本率同比下降1.4pps 至94.8%，未年化ROE 同比上升1.3pps 至9.0%，中期每股派息同比增 加15.4%，未年化总投资收益率同比提升0.2pps 至2.6%，承保和投资业务均较为出色。 车险业务：严格执行报行合一降低费用率，车险质量持续提升 1. 中国财险的车险业务25 上半年保险服务收入同比增长3.5%至1503 亿元，综合成本率同比下降2.2pps 至94.2%，主要源于费用率同比下降4.1pps 至21.1%，而费用率的大幅下降则是源于监管和行业23 年末 起推行的一系列严格执行车险报行合一的举措，具体包括23 年9 月金融监管总局下发的《关于加强车险 费用管理的通知》、23 年11 月八家头部财产险公司制定签署的《车险合规经营自律公约》、24 年4 月 中保协召开会议要求落实监管总局在全行业试行"查处、通报、挂钩"三项机制等； 2. 中国财险的车险业务质量进一步提升，质量较高的家自车保险占车险总保费的比例较去年同期提升 1pps 至73.4%，自22H1 以来累计 ...

今年以来，多家港股上市公司发行"零息"可转债吸引了市场的关注。 继中国平安今年6月完成117.65亿港元零息可转债发行后，中国太保近日宣布，完成155.56亿港元零息可 转债发行，创下"历史上最大规模的港元零票息可转债""境内外同时上市国有金融企业首单境外可转 债"及"2025年至今亚太区金融机构板块最大的海外再融资项目"等多项纪录。 据证券时报记者梳理，今年以来，已有阜博集团、百度集团、中国平安、顺丰控股、阿里巴巴、中兴通 讯、中国太保等多家港股上市公司公告发行"零息"可转换债券或"零息"可交换债券。 顾名思义，零息可转债是指既没有定期利息，又可以转换成股票的债券，能够降低企业的融资成本。 （文章来源：证券时报） 值得注意的是，零息可转债的"零票息"特性虽然降低了融资成本，但其转换溢价普遍较高，成为市场关 注焦点。 比如，今年3月，作为携程集团大股东的百度集团宣布完成20亿美元零息可交换债券发行，该等债券的 初始交换率将为该等债券每10万美元本金交换1107.05股携程集团股份，相当于每股携程集团股份约 702.13港元的初始交换价，较对冲配售中的每股价格（每股携程集团股份491.00港元）的交换溢价约 4 ...

北京地区2025年"金融教育宣传周"拉开帷幕。9月15日，北京商报记者了解到，本次"金融教育宣传 周"活动以"保障金融权益 助力美好生活"为主题，为期一周，旨在聚焦群众关切开展金融知识普及，帮 助金融消费者和投资者理性选择金融产品，远离虚假宣传、非法中介、非法金融和电信诈骗等侵害。 为金融消费者送上"消保大餐" 9月15日，金融监管总局、中国人民银行、中国证监会联合启动"金融教育宣传周"活动。 北京金融监管局表示，该局组织辖内金融机构共同开展"金融集市"活动，正式拉开北京地区2025年金融 教育宣传周帷幕。本次活动设置两个会场，金融街广场安装静态金融教育宣传装置，展现各类金融知 识、金融政策、风险提示等，吸引居民、行人等驻足观看；金融街购物中心广场搭建各类展区展台，汇 聚近40家政府部门、金融机构与消费者、投资者面对面交流，让金融知识和风险提示以喜闻乐见的形式 送到人民群众手中。 9月15日，北京商报记者来到了金融街购物中心广场实地探访"金融集市"。记者发现，机构展区内有银 行、保险、证券、支付等多类型金融机构，包括工行北分、建行北分、农行北分、太保财险北分、平安 财险北分、国寿寿险北分、元保保险经纪、银河证 ...

Group 1 - The core viewpoint is that the National Financial Regulatory Administration and the Ministry of Public Security are intensifying efforts to combat illegal activities in the financial sector, particularly focusing on "black and gray" industries [1][2] - The first batch of typical cases includes loan fraud and credit card fraud involving individuals posing as "professional debtors" and extortion cases disguised as "insurance refund agency" [1] - There is a commitment to a comprehensive crackdown on illegal activities in the credit sector, particularly targeting illegal loan intermediaries that disrupt financial order and security [1] Group 2 - Criminals are using "agency rights protection" as a cover for illegal profit motives, misleading policyholders and disrupting the financial market [2] - These activities involve false claims of high refund amounts and coercing insurance companies to pay more than the cash value of insurance contracts, which undermines normal complaint channels [2]

Group 1 - The macro growth factor continues to rise, while inflation indicators show a weakening rebound, with domestic CPI turning negative at -0.4% and PPI's decline narrowing to -2.9%, indicating persistent internal demand issues [4] - The Federal Reserve's interest rate cut expectations are driving upward global liquidity expectations, benefiting Asian equity markets, with the Korean Composite Index rising by 5.94% and the Hang Seng Tech Index by 5.31% [4][9] - The A-share market shows a preference for growth styles, with the Sci-Tech 50 Index increasing by 5.48%, while small-cap indices outperform large-cap blue chips [4] Group 2 - Recommendations for asset allocation include favoring high-grade credit bonds in the bond market, adjusting duration flexibly, and focusing on bank and insurance sector movements [5] - In the overseas equity market, the report suggests monitoring interest rate-sensitive sectors due to limited short-term rebound potential for the dollar and significantly raised interest rate cut expectations [5] - For gold, it is recommended to increase allocations to gold and silver as they are core assets during the interest rate cut cycle, with expectations for Shanghai gold to break previous highs [5] Group 3 - The report indicates that the overall liquidity environment remains supportive for market valuation recovery and structural trends, with a significant decrease in average daily trading volume in the A-share market [56] - The A-share valuation levels have increased, with the price-to-earnings ratio rising to 50.38 times and the price-to-book ratio reaching 5.60 times, suggesting that market expectations for future corporate earnings may be overly optimistic [60] - The report highlights that the earnings expectations for A-shares are weaker than historical averages, with a projected rolling one-year earnings growth rate of 10.3% and revenue growth rate of 5.9% [61]

Group 1 - US President Trump is visiting the UK from September 16 to 18, with discussions expected to focus on trade and tariffs [2][3][5] - The UK government announced over £1.25 billion in new investments from major US financial firms, including PayPal, Bank of America, Citigroup, and S&P Global, ahead of Trump's visit [9][11] - Bank of America plans to create up to 1,000 jobs in Northern Ireland, while Citigroup intends to invest £1.1 billion in its UK operations [11] Group 2 - Sainsbury's has terminated negotiations with JD.com regarding the sale of Argos, citing that the revised terms were not in the best interest of stakeholders [18][19] - Sainsbury's is focusing on improving Argos' performance by expanding product variety and enhancing digital capabilities [21] - The UK Generation Z faces significant challenges in home ownership, with the average deposit required now ten times higher than 30 years ago [24] Group 3 - The average house price in the UK has risen to £290,395, nearly six times higher than 30 years ago, while average salaries have only slightly more than doubled [24] - Average monthly rent in the UK has increased by 31% over the past five years, from £1,025 to £1,343 [27]

Investment Rating - The industry is rated as "stronger than the market," indicating an expected increase of over 10% in the industry index relative to the CSI 300 index over the next six months [16]. Core Viewpoints - The A-share market experienced slight fluctuations with notable performance in the automotive, gaming, agriculture, and coal sectors, while jewelry, precious metals, insurance, and aerospace sectors lagged [2][3]. - The average price-to-earnings ratios for the Shanghai Composite Index and the ChiNext Index are 15.78 times and 48.51 times, respectively, which are above the median levels of the past three years, suggesting a favorable environment for medium to long-term investments [3][15]. - The total trading volume on the two exchanges reached 23,034 billion, indicating a strong market activity level [3][15]. - Government policies are expected to support economic recovery, with a focus on consumer promotion and real estate stabilization, providing a solid foundation for the market [3][15]. - Global capital is flowing into the A-share market, with domestic savings shifting towards capital markets, creating a continuous source of incremental funds [3][15]. - The market is anticipated to present new investment opportunities amid fluctuations, with a recommendation to focus on sectors such as automotive, gaming, energy metals, and healthcare services [3][15]. Summary by Sections A-share Market Overview - On September 15, the A-share market faced resistance after an initial rise, with the Shanghai Composite Index encountering resistance around 3,879 points [8]. - The Shanghai Composite Index closed at 3,860.50 points, down 0.26%, while the ChiNext Index rose by 1.51% [9][10]. - Over 60% of stocks declined, with the gaming, agriculture, automotive, and coal sectors showing the most significant gains [8][10]. Future Market Outlook and Investment Recommendations - The market is expected to maintain a steady upward trend in the short term, with a focus on monitoring policy, capital flow, and external market changes [3][15]. - Short-term investment opportunities are recommended in the automotive, gaming, energy metals, and healthcare sectors [3][15].

比亚迪以531.95亿元的研发投入位列第二位。中国新能源汽车的技术突破，离不开头部企业的持续深耕。比亚迪长期坚持高强度研发投入，在2011 年-2024年的14年间，比亚迪有13年的研发投入超过当年净利润。目前，比亚迪共有超12万名技术研发人员，每天专利申请45件、专利授权20件。 9月15日，中国企业联合会、中国企业家协会发布"中国企业500强"（以下简称"企业500强"）榜单，深圳共有26家企业上榜，前100名企业名单中深圳共有 8家企业上榜，分别为：中国平安（12）、华为（23）、比亚迪（26）、腾讯（31）、招商银行（48）、万科（79）、顺丰（92）、深投控（99）。据 悉，该榜单以2024年企业营业收入作为入围标准。 从榜单来看，企业500强营业收入达110.15万亿元，较上年500强有所增加；入围门槛实现23连升，达479.60亿元，提升5.79亿元，共有15家企业的营业收 入超过万亿元。 中国平安位列其中，2024年整体经营业绩保持稳健，核心业务回升向好，营收11408.14亿元。位居"2025中国企业500强营业收入万亿级企业"名单第12 位。 | 排名 | 企业名称 | 营业收入/亿元 | ...

欢迎扫描下方二维码关注： 年薪制可以每两个月发一次工资吗？试用期工资可以"八折"吗？哪些情形企业可以代 扣工资？病假工资具体怎么算？关于职场新人工资的这些问题，一起来看相关解答↓ 年薪制可以每两个月发一次工资吗？ 小詹今年研究生毕业，上月收到了一家通讯企业的Offer，从事研发工作。上周小詹到企业办理入职手续，签订劳动合同时，双方约定小詹属于实 行年薪制的员工，将每2个月支付一次工资。小詹不解，工资难道不应该每月发一次吗？公司的做法对吗？ 试用期工资可以"八折"吗？ 8月初，应届生小米入职一家美妆企业。双方签订3年劳动合同，约定工资8000元，试用期4个月。本月初，小米发现银行卡上到账的工资不是约定 的8000元，而是6400元。询问HR之后，对方回复说，试用期期间，工资打八折。小米疑惑，可是合同上明明没有写啊……这也可以吗？ 哪些情形企业可以代扣工资？ 今年刚刚从大学毕业的小朱上月入职了一家广告公司，在办理入职手续时，人事告知她，她的税前工资是9千元。这两天银行短信提醒小朱，她的 工资已入账，但却只有7000多元。询问HR后，对方回复说，因为公司为小朱代扣了她的社保、公积金还有税。这些都是企业可以代扣工资的 ...