记者了解到，目前内地有一些物业管理公司会为小区内的共用部分购买保险。 朱俊生指出，但内地住宅保险的保障缺口主要集中在三个领域：一是房屋结构损失保障不足，当前市场 上的家财险产品大多不涵盖建筑物本身的损失，而此类损失在火灾等大规模灾害中往往最为严重；二是 共用部分损失覆盖缺失，若火灾波及走廊、楼道等共用区域，现有家财险通常无法覆盖相关损失，且公 共财产本身也缺乏足额保险保障；三是责任险保障不足，在火灾中，若由于建筑方、物业公司等责任方 的失误引发的事故，家财险一般也无法承担责任赔偿。 近年来，越多覆盖不同领域的保险产品受到大众关注，比如此前少被人注意到的房屋住宅保险。有业内 专家指出,房屋住宅保险在灾难救援与损失补偿中的具有一定兜底价值；它更像一枚"信号灯"，其保险 角色或已超越单纯的"灾后补偿工具"，只有成为贯穿楼宇设计、施工建设、日常运营全周期的风险治理 伙伴，才能真正筑牢城市居住安全的第一道防线。如何量体裁衣，精准购置这一保险，专家为此"支 招"。 住宅理赔引起公众关注 北京大学应用经济博士后、教授朱俊生在接受南都·湾财社记者采访时指出，有地方的住房保险制度可 为住宅楼宇的公共财产提供全面保障，不仅涵盖了 ...

公开数据显示，上半年家财险保费规模为165.24亿元，同比增长11.46%。赔付支出方面，家财险累计赔 款24.89亿元，同比下降6.23%。2024年全年，家财险累计保费收入达到284.99亿元，同比增长15.01%， 占到财险行业原保费收入比重约1.7%。 不过，目前普惠型家财险覆盖率仍然较低。截至2024年7月28日，上线一年的"沪家保"共为37.2万多户 上海居民提供保障，以户籍人口总户数约为578万户计算，"沪家保"的覆盖率仅为6.4%。 一场突如其来的大火，"烤"问着保险行业。连日来，香港大埔住宅楼火灾不仅引起市民对于城市住宅安 全的关注，也引发社会对于家庭抵抗风险能力的重新审视。此前一度被市场忽视的家财险，再次推到聚 光灯下。 你的房子"上保险"了吗？南都湾财社记者从深圳业界了解到，家庭财产保险在保险市场属于一个小险 种，在保费市场份额中占比在1%上下，整体体量偏小。 与此形成反差的是，近年来，极端天气频发、基础设施老化、社区高密度居住等因素，使城市家庭面对 的潜在风险不断叠加。然而，在风险加剧的同时，家庭财产损失往往难以依靠公共救助获得完全覆盖， 暴露出明显的保障缺口。 在此背景下，普惠型家财 ...

11月26日下午，香港新界大埔屋邨宏福苑多栋住宅楼发生重大火灾，造成严重人员伤亡。 香港特区政府28日下午3时许举行发布会称，当日上午10时18分完成大埔宏福苑火灾灭火及救援工作。 香港特区政府保安局局长邓炳强表示，截至目前，大埔宏福苑火灾已造成128人遇难，不排除稍后警方进入现场调查时再发现遗体。仍有约200 人情况未明。 灾难发生后，香港保险业监管局与各大保险机构迅速行动，启动应急机制，开辟理赔绿色通道，为受灾民众提供及时支援。 南方财经全媒体记者 林汉垚 中国太保旗下中国太保产险香港公司、中国太保寿险香港公司均已推出设立专线电话、开通保单服务绿色通道、简化理赔手续、取消理赔医院 限制、提供人文关怀等多项举措，最大程度保障受灾民众权益。 香港保监局成立专责小组 为确保受灾民众能第一时间获得保险保障，香港保险业监管局（以下简称"香港保监局"）已成立了由管理层领导的专责小组，全力推进相关保 险公司的工作，确保业界投入足够资源处理查询和理赔申请。 香港保监局主席姚建华先生表示："保险作为社会的稳定器，在出现严重事故时必须提供紧急支援。我知悉保险公司在火灾发生后马上采取应 变措施，成立专人接听热线、简化及加快赔偿 ...

下文中资本补充债是广义的资本类补充债券，涵盖2015 年以来发行的保险公司资本补充债券，以及 2023 年以来发行的保险公司无固定期限资本债券。 资本补充债是指保险公司发行的用于补充资本,发行期限在5年以上(含5年)，清偿顺序列于保单责任和其他普通负债之后，先于保险公司股权资本的债 券。 正文： 2015 年 1 月，人民银行联合原银保监会发布《保险公司发行资本补充债券有关事宜》，允许保险公司或保险集团(控股)公司发行资本补充债券，用于补 充附属一级资本。 2022年8月人民银行联合原银保监会发布公告《关于保险公司发行无固定期限资本债券有关事项的通知》，允许保险公司发行无固定期限资本债券，明 确可用于补充核心二级资本。 其中，2025年已经有16家寿险公司发行了17次资本补充债，发行规模高达664亿元。 大家知道，一方面保险业偿付能力充足率近两年有所下降！ 仅2025年三季度，行业的综合和核心偿付能力充足率同比分别下降25.7和19.2个百分点。 而另一方面，2025年保险公司发行的资本补充债规模664亿元！（其中永续债规模500亿元） 那么，发行资产补充债能为行业的偿付能力提升多少呢？ 本次，"13精"将分 ...

11月26日下午，香港新界大埔屋邨宏福苑多栋住宅楼发生火灾，造成重大人员伤亡。火灾灭火工作已于11月28日上午完成。 在香港，楼宇结构保险普遍被称作火险。 其中，大厦及公共地方财产保险受保项目为大厦屋壳及公共地方，保额为20亿港元，对应的保费为12.01万港元/年。北京联合大学商务学院金融系教师杨泽 云在受访时指出，该方案中大厦及公共地方财产保险主要保障建筑物本体及公共区域的损失，保险责任可参考市场常见火险条款。 据了解，银行一般都会要求业主购买火险作为批审按揭条件，但业主不一定要向该按揭银行购买，也可自行物色保险公司投保。另外，若居所的物业管理公 司或业主立案法团已为大厦购买集体火险（俗称大保单），业主则可无须重复购买，只需向按揭银行提供有关保险文件副本证明便可。 "根据相关保险责任和除外责任，保险公司应向被保险人支付所保财产损毁前的价值赔偿金或损毁金额，或选择恢复其损失前的原状或更换、修理全部或部 分财产。因此，保险公司要赔偿房屋主体损失。"杨泽云称，此次保额为20亿港元，估计此次火灾房屋的损失超过20亿港元，如果被认定，保司需足额赔 偿。 记者了解到，目前多家险企就此次火灾启动应急理赔，但截至发稿，还未 ...

智通财经APP获悉，11月28日，香港政府统计处发表2024年经济活动按年统计调查─资讯及通讯、金融 及保险、专业及商用服务业的结果，2024年金融业（银行除外）录得最大的总收益，其次为保险业，银 行业，资讯及通讯业，专业、科学及技术活动业，以及行政及支援服务活动业。 在金融业（银行除外）方面，2024年的总收益达7,329亿港元，较2023年上升4.8%，而平均每间公司的 总收益较2023年上升1.4%至7,310万港元。营运开支和雇员薪酬合共同比上升7.5%至2024年的3,573亿港 元。该行业的盈余总额（即总收益扣除营运开支、雇员薪酬及（如适用）货品成本）较2023年上升 2.4%至2024年的3,756亿港元，占2024年总收益的51.3%。行业增加价值（投资及控股公司除外）较2023 年上升13.3%至2024年的1,228亿港元。该行业增加价值可大致量度这行业对香港本地生产总值的贡献。 在2024年，从事金融业（银行除外）的公司约有10000间，从业人数约96400人，平均每间公司的从业人 数为9.6人。 在保险业方面，2024年的总收益达7,286亿港元，较2023年上升7.4%，而平均每间公 ...

21世纪经济报道记者雷若馨深圳报道 当前，深圳金融业正处在动能迸发、跨越提升的黄金机遇期。"十四五"期间，深圳金融业年均增速达 6.45%，2025年前三季度金融业增加值实现3987.6亿元，同比增长14.5%。 而"打造全球一流的财富管理中心"，深圳的底气则来自于其庞大的高净值客户群体与快速增长的财富管 理规模。数据显示，目前深圳辖内机构财富管理规模已超过31万亿元。在此基础上，深圳计划招引培育 一批具有全球影响力的财富管理机构与家族办公室，不断丰富REITs、养老理财等产品，让市民共享发 展红利。 在发挥"敢闯敢试"基因的同时，深圳也深知金融安全的重要性与基石作用。因此提出"打造全球一流的 金融安全示范地"，强调将"牢牢守住不发生系统性金融风险底线"，为整个金融体系的稳健运行保驾护 航。 深圳市人民政府副秘书长吴坤生在此次金博会开幕发言中明确，深圳将在"十五五"期间聚焦打造六 个"全球一流"：全球一流的科技产业金融互促发展高地、全球一流的创新资本形成中心、全球一流的金 融科技中心、全球一流的跨境人民币服务高地、全球一流的财富管理中心、全球一流的金融安全示范 地。 这六大方向并非空中楼阁。而是基于深圳在"十 ...

Core Insights - A severe fire broke out in Hong Kong's Tai Po district, resulting in 94 fatalities, highlighting deep-seated fire safety and emergency management issues in aging residential buildings [1][3] - The insurance industry played a crucial role in the aftermath, with multiple companies activating emergency response mechanisms and green claims channels to support affected families [1][2] Insurance Industry Response - Several insurance companies, including China Life Overseas, initiated emergency claims services, simplifying procedures and ensuring rapid disbursement of funds to victims [1][3] - Ping An Property & Casualty and Ping An Life quickly formed emergency response teams to assess client claims, demonstrating heightened corporate social responsibility [2][3] Insurance Coverage and Awareness - The residential buildings in Hong Kong are typically required to have comprehensive insurance, including fire and public liability insurance, which provides a financial safety net for disaster recovery [3][4] - In contrast, mainland China's residential insurance coverage is significantly lower, with many older communities lacking adequate fire insurance, leaving them vulnerable [5][6] Consumer Awareness and Market Gaps - There is a notable gap in risk awareness and insurance understanding among mainland residents, with many neglecting the importance of property insurance [7][8] - The lack of mandatory insurance requirements in mainland China contributes to low penetration rates of household property insurance, particularly in older urban areas [8][9] Recommendations for Improvement - Experts suggest enhancing product design and consumer education to improve the attractiveness and understanding of fire and household insurance [7][8] - Collaboration between insurance companies, government, and real estate developers is recommended to promote the adoption of insurance products and improve coverage [8][9]

Core Viewpoint - The article discusses the tragic fire incident at Hong Kong's Mong Kok, highlighting the safety concerns associated with high-rise buildings and the systemic failures in fire safety management and building regulations that contributed to the disaster [4][23][25]. Group 1: Incident Overview - On November 26, a fire broke out at Mong Kok's Hong Fu Court, escalating to a level 5 fire alarm, resulting in at least 75 fatalities and over 200 missing individuals [4][5]. - The fire is noted as the deadliest in Hong Kong since 1948, raising significant concerns about high-rise residential safety [4][5]. Group 2: Building Safety Regulations - High-rise buildings are required to have smoke-proof stairwells, refuge floors, and automatic fire alarm systems, with firewalls having a fire resistance of at least 3 hours [5]. - The construction standards for high-rise buildings include specific evacuation width calculations based on occupancy [5]. Group 3: Fire Dynamics in High-Rise Buildings - High-rise buildings are prone to rapid fire spread due to the "chimney effect," where smoke and heat rise quickly, exacerbated by the building's design and external conditions [8][12]. - The proximity of buildings and high winds can facilitate the rapid spread of fire, as seen in the Mong Kok incident [9]. Group 4: Challenges in Firefighting - Firefighting efforts are hampered by the height of buildings, with existing equipment having limited operational heights, leaving significant areas inaccessible for rescue operations [14][15]. - The average effective rescue height of most firefighting equipment in China is around 50 meters, which is insufficient for many high-rise structures [15]. Group 5: Aging Infrastructure and Fire Risks - The Mong Kok complex, built in 1983, was undergoing extensive renovations, raising concerns about the presence of flammable materials and inadequate fire safety measures during construction [17][20]. - The presence of combustible materials used in construction, such as bamboo scaffolding and plastic sheeting, contributed to the fire's rapid escalation [20]. Group 6: Emergency Preparedness and Response - Residents reported a lack of effective fire alarm systems and emergency communication during the incident, highlighting deficiencies in emergency preparedness [21][22]. - Previous fire drills and safety training were insufficient, with many residents unaware of evacuation procedures [21][22]. Group 7: Regulatory and Systemic Issues - The incident revealed systemic failures in building safety regulations, with calls for stricter enforcement of fire safety standards and better oversight of construction materials [23][36]. - Legal experts emphasized the need for comprehensive risk assessments and improved regulatory frameworks to prevent similar tragedies in the future [36][39]. Group 8: Implications for Future Urban Development - The fire serves as a warning for urban development practices, particularly regarding the safety of high-rise buildings and the need for rigorous safety standards in construction and renovation [41]. - The incident has prompted discussions on the importance of integrating fire safety into urban planning and building design to enhance community safety [41].

Core Viewpoint - The article emphasizes the importance of finance as a vital component of national economic strength and highlights the Chinese government's commitment to developing five key areas of finance: technology finance, green finance, inclusive finance, pension finance, and digital finance, as outlined by President Xi Jinping [2][4][12]. Group 1: Financial Development Strategies - The Chinese government aims to deepen the understanding of the essence of socialist finance with Chinese characteristics, focusing on serving the real economy, risk prevention, and promoting financial innovation [3][9]. - The "five major articles" in finance are identified as key areas for high-quality financial development, which include technology finance, green finance, inclusive finance, pension finance, and digital finance [12]. Group 2: Policy Implementation and Achievements - Recent years have seen the introduction of various policies and frameworks to support the development of the "five major articles," including the establishment of a 200 billion yuan technology innovation relending program and a 5,000 billion yuan technology innovation and transformation relending program [5][6]. - By the end of September 2023, technology loans accounted for 30.5% of all new loans, with a year-on-year growth of 22.3% in loans to technology SMEs, significantly outpacing overall loan growth [7]. Group 3: Sector-Specific Developments - The green finance sector has seen a loan balance of 43.5 trillion yuan, with a year-on-year increase of 22.9%, and a total issuance of green bonds reaching 4.9 trillion yuan [7]. - Inclusive finance has expanded from simple credit offerings to a comprehensive service model that includes credit, insurance, and wealth management, ensuring financial services are accessible at the community level [6][10]. Group 4: Future Directions - The government plans to enhance support for technology finance by improving incentive mechanisms and providing comprehensive financial services for technology enterprises, aiming to create a virtuous cycle between technology, industry, and finance [9]. - There is a strong focus on developing green finance to facilitate a comprehensive green transformation of the economy, with an emphasis on funding for environmentally friendly projects [10].