格隆汇1月13日｜A股市场保险股集体走强，其中，中国人寿涨超4%，新华保险、中国人保涨超3%，中 国太保、中国平安涨近3%。 MACD金叉信号形成，这些股涨势不错！ | 代码 | 名称 | . | 涨幅%↓ | 总市值 | 年初至今涨幅% | | --- | --- | --- | --- | --- | --- | | 601628 | 中国人寿 | 1 | 4.41 | 14590亿 | 13.45 | | 601336 | 新华保险 | + | 3.76 | 2591亿 | 19.18 | | 601319 | 中国人保 | 1 | 3.27 | 4475亿 | 13.07 | | 601601 | 中国太保 | 安 | 2.97 | 4496亿 | 11.50 | | 601318 | 中国平安 | 1 | 2.77 | 12570亿 | 1.49 | ...

这一判断，与人口结构变化高度契合。国家统计局数据显示，截至2024年底，我国60岁及以上人口已超 过3亿人。与人口老龄化同步出现的，是疾病结构和服务需求的变化。高血压、糖尿病、心脑血管疾病 等慢性病在老年人中高度集中，失能、半失能以及长期护理需求快速增加，医疗和照护支出呈现出"长 期化、持续化"的特征。 瑞华健康保险股份有限公司董事长陈剖建在论坛上表示，老龄化带来的最大挑战，并不只是就医人数增 加，而是医疗费用随年龄增长呈现出明显的阶梯式上升。65岁以上人群的人均医疗费用远高于劳动年龄 人口，慢性病则需要多年甚至终身管理，单纯依靠住院报销型保障，很难覆盖长期风险。 从支付结构看，这种压力已经开始显现。我国基本医疗保险长期坚持"广覆盖、保基本"的定位，但在老 龄化加速、医疗技术不断进步的背景下，医保基金支出增速持续高于收入增速。与此同时，大量康复、 护理、特需医疗、目录外用药等费用，仍需要家庭自行承担。由此形成的，是一个规模不断扩大的"保 障缺口"。 正是在这个缺口中，商业健康险与医康养产业的结合，开始被赋予更现实的意义。《研究报告》提出， 保险的独特价值在于其能够同时连接客户需求、服务供给与资金支付，形成闭环 ...

对于刘智代表关于数字连接农业保险科技、打造现代化农业保险体系的建议，金融监管总局答复称，下 一步，将联合财政部、农业农村部等有关部门，加强涉农数据的多源整合和集约应用，持续推进全国农 业保险信息管理平台建设，实现行业数据共享共用。鼓励保险机构加大科技创新投入，不断优化农业保 险精准投保理赔管理服务，提升风险管理能力，更好地满足"三农"领域日益增长的风险保障需求，助力 农业保险高质量发展。 对于施卫东委员关于建立健全绿色农业保险服务体系的提案，金融监管总局答复称，绿色农业保险是以 促进农业可持续发展为目标，通过保险机制分散农业生态风险，保障农业生产与生态环境协调发展的保 险体系，其核心在于通过保险手段支持农业绿色转型。 目前，金融监管总局指导保险公司积极开展相关实践探索。有的保险公司引入"3S"地理空间信息技术， 基于移动互联基础，综合运用航天卫星遥感、航空无人机、地面人工调查和移动信息采集等新技术手 段，打造高效精准、互联互通的农险承保理赔数据资源和技术架构。但中小保险公司往往投入较为薄 弱，金融监管总局将指导保险公司进一步加大科技投入力度，提升科技赋能成效。 （来源：经济参考报） 近日，金融监管总局公开了一 ...

周一，南非富时/JSE非洲领先40可交易指数收涨2.03%，至11.20万点上方，时隔三个交易日再创收盘历 史新高。成分股哈莫尼黄金收涨9.61%，因帕拉白金控股涨8.48%，Northam Platinum控股涨7.12%， Valterra铂业涨6.19%，Sibanye Stillwater涨6.04%，安格鲁阿山帝黄金涨5.96%，金田公司涨5.53%，嘉能 可涨2.97%，Prosus涨2.44%，Naspers涨2.13%表现第十，南非桑勒姆保险则收跌1.7%，让幕果跌 2.03%，盟迪跌3.48%，OUTsurance Group跌3.58%。 本文源自：金融界AI电报 ...

资本锚定新质生产力，构建产业金融中心——伴随着"十五五"建议出炉，深圳正以"产融共生"为核心， 探索一条金融深度赋能产业升级的新路径，战略目标愈发清晰。 作为金融"优等生"，深圳行业整体发展水平居于全国前三。从成绩单看，2025年前三季度深圳金融业实 现增加值3987.6亿元，同比增长14.5%；占GDP比重约14.3%。银行业总资产、存贷款规模均居全国大中 城市第三。法人保险公司总资产9.1万亿，居全国第二。A股上市公司424家，数量居国内第三；总市值 11.58万亿元，居国内第二。由"十四五"到"十五五"，记者看到，深圳的重心已从规模增长进化到生态培 育，从单点创新跃升为系统协同，从追求效率转向平衡安全，映照了这座金融城市更深邃的思考。 今年，作为APEC峰会中国第三城，聚光灯下的深圳金融业如何把握"国际级出圈"机会，提升能级规 划，以更高水平开放链接世界？而对标伦敦、曼哈顿，香蜜湖新金融中心能否崛起成为全球新名片？深 圳"十五五"意在打造"全球重要影响力的产业金融中心"，究竟底气何在？当进入"双2万亿"的信贷格 局，深圳又将如何突破结构瓶颈？而当百亿AIC基金落地，"长钱"如何真正润泽"硬科技"？剑指中 ...

Core Viewpoint - The 2025 settlement interest rates for exclusive commercial pension insurance products have been released, showing a range of 2% to 4.35% for stable accounts and 2.5% to 4.55% for aggressive accounts, with over 80% of stable accounts exceeding 3% [1][5]. Summary by Sections Settlement Interest Rates - A total of 39 exclusive commercial pension products have stable account settlement rates between 2% and 4.35%, with an arithmetic mean of 3% and aggressive account rates ranging from 2.5% to 4.55%, with an arithmetic mean of 3.34% [5]. - The median settlement interest rate for both account types is 3.2% [4][5]. Leading Products - The highest settlement rates are observed in the products from Agricultural Bank Life Insurance, with both stable and aggressive accounts yielding 4.35% and 4.55% respectively [5]. - National Pension's products follow closely, with stable and aggressive account rates of 4.01% and 4.02% [5]. - Xinhua Pension's product also exceeds 4% for stable accounts, with an aggressive account rate of 3.6% [5]. Performance Trends - National Pension's products have maintained a stable settlement rate above 4% since their launch in 2022, while Xinhua Pension's stable account rates have fluctuated but remained above 4% [6]. - Some products have settlement rates below 3%, with several of these products already discontinued [6]. Changes in Settlement Rates - The settlement rates for exclusive commercial pension insurance products have shown fluctuations, with some products maintaining rates while others have decreased or increased [7]. - In 2025, among 28 comparable products, 13 stable accounts maintained their rates, while 9 saw declines and 6 experienced increases [7]. New Product Dynamics - A significant number of products have been discontinued, with only 14 currently available, reflecting a trend of new product launches with lower minimum guaranteed rates [8]. - Despite the reduction in guaranteed rates, actual settlement rates for many new products have not decreased, with some maintaining the same rates as older products [8]. Investment Considerations - Higher minimum guaranteed rates do not necessarily correlate with higher actual returns, as they can restrict investment strategies and potentially limit long-term returns for clients [9].

（一）科技金融与产业金融的核心区别与内在联系。科技金融是指服务于科技创新全过程的金融活动的 总称，其核心目标是促进科技成果的研发、转化和产业化，最终驱动技术进步；而产业金融是指服务于 特定产业或产业链的金融活动的总称，其核心目标是支持产业的规模化发展、结构升级和生态优化，最 终提升整个产业的竞争力。虽然科技金融与产业金融的金融供给时序是不同的，但是，在科技成果转化 及产业化正呈现机制创新、智能赋能、生态协同的新趋势的今天，科技金融与产业金融二者绝非割裂 的，更不是非此即彼的对立物，而是创新链条上不同环节的"专属燃料"和"助推器"，它们共同服务于经 济发展的全过程，形成一个连续的金融光谱。（见图） （二）"十五五"时期加强科技金融与产业金融深度融合战略意义重大。"十五五"时期是我国迈向全面建 设社会主义现代化国家新征程的关键五年，推动科技金融与产业金融的深度融合，不仅是金融支持实体 经济的本意体现，更是塑造新发展动能、赢得国际竞争主动权的战略抉择。 首先，从国家发展全局层面看，"十五五"时期加强科技金融与产业金融深度融合，可以有力推动我国的 产业体系现代化升级，构建新发展格局。因为深度融合的核心在于打通"科技— ...

1月9日，据深圳金融监管局网站，招商局仁和人寿获批在全国银行间债券市场公开发行无固定期限资本债券，发行规模不 超过23亿元（含）。 关键词阅读：永续债 责任编辑：栎树 ...

专属商业养老保险2025年成绩单陆续揭晓。1月11日，北京商报记者注意到，多家人身险公司已在官网 披露最新的专属商业养老保险结算利率。去年专属商业养老保险产品结算利率集中在0.75%—4.02%， 多数产品的结算利率在3%及以上，个别产品的结算利率超过4%。在预定利率整体下行的行业趋势下， 专属商业养老保险交出了一份颇具竞争力的成绩单。 作为我国多层次养老保险体系第三支柱的重要组成部分，专属商业养老保险自2021年试点以来，历经区 域扩围、业务常态化等发展阶段，已成为补充居民长期养老储备的重要产品体系。业内人士表示，专属 商业养老保险产品具有投保便捷、缴费灵活、收益稳健等特点，且养老保险市场潜在需求在增加，尤其 是在人口老龄化趋势下，专属商业养老保险的发展具有潜力。 整体表现稳健 作为养老保险体系第三支柱的重要组成部分，专属商业养老保险是一种资金长期锁定，专门用于个人养 老保障的保险产品，具有投保简便、缴费灵活、收益稳健等特点。 从产品设计来看，专属商业养老保险分为积累期和领取期两个阶段。积累期采取"保证+浮动"的收益模 式，根据投资组合的不同，为投保人提供稳健型账户和进取型账户进行选择。 生（智享版）专属商 ...

Core Viewpoint - The development of technology finance is crucial for promoting the dual advancement of technology and finance, as emphasized in China's economic planning and regulatory frameworks [1][3][4]. Group 1: Importance of Technology Finance - Technology finance is positioned as a key support for achieving high-level technological self-reliance and building a strong technological nation [2][3]. - The development of technology finance helps accelerate breakthroughs in critical core technologies and supports the transformation and upgrading of traditional industries [3][4]. - It broadens the boundaries of financial services, creating new growth points for financial institutions amid narrowing net interest margins [3]. Group 2: Policy and Structural Developments - The implementation of the "14th Five-Year Plan" emphasizes the construction of a financial service system that aligns with technological innovation [4][6]. - By the end of 2025, the banking and insurance sectors are expected to enhance their financial service mechanisms to better support technological innovation [4]. - The scale of technology finance continues to expand, with significant increases in loan balances for high-tech enterprises and technology-based SMEs, indicating a growing financial service coverage [4][5]. Group 3: Enhancements in Financial Services - The People's Bank of China has introduced various financial tools to support major technological projects and SMEs in their growth phases [5]. - Financial support for advanced manufacturing, high-tech manufacturing, and strategic emerging industries has been continuously strengthened, with notable annual growth rates in relevant loans [5]. - The establishment of multiple technology finance reform pilot zones aims to reduce financing costs for technology enterprises and optimize financial resource allocation [13][14]. Group 4: Role of Patient Capital - Patient capital is essential for supporting long-term technological innovation, focusing on projects with long-term returns rather than short-term profits [8][9]. - The development of patient capital is crucial for guiding production factors towards new quality productivity, which is characterized by high technology and efficiency [9][10]. - Initiatives to encourage patient capital investment in technology innovation include increasing the investment ratio of pension and insurance funds in early-stage hard technology funds [11][12]. Group 5: Challenges and Future Directions - Despite the potential of patient capital, challenges such as an unbalanced supply structure and a lack of market-driven capital remain [11][12]. - Future efforts should focus on optimizing the market ecosystem, enhancing incentive mechanisms, and strengthening cross-cycle capabilities to attract more long-term capital into technology innovation [12][17]. - The establishment of technology finance reform pilot zones has shown promise, but further improvements in policy support and market mechanisms are necessary to enhance the sustainability of financial support for technology innovation [17].