Core Insights - The core message of the presentation by Sheng Ruisheng, Secretary of the Board and Brand Director of Ping An, is to highlight how the company is leveraging technology as a core driver to reshape its development strategy through a dual-driven approach of "comprehensive finance + healthcare and elderly care" to tap into trillion-level market opportunities [1][2]. Group 1: Strategic Focus - Ping An aims to shift market perception from short-term performance to its long-term strategic positioning and core competitiveness, emphasizing the importance of understanding its foundational strategies amidst a recovering valuation post-pandemic [2][3]. - The company has established a dual-driven development strategy focusing on "comprehensive finance + healthcare and elderly care," which addresses the diverse wealth allocation needs of consumers and the unmet demands arising from societal changes due to deep reforms and aging population [2][4]. Group 2: Business Model and Competitive Advantage - Ping An is one of the few comprehensive financial service groups in China, with insurance as its core business while also covering banking, asset management, and other diversified services. The company emphasizes a customer-centric approach, providing integrated financial solutions that enhance customer retention and reduce risks associated with single business cycles [3][6]. - The healthcare and elderly care sectors represent a significant market opportunity, with Ping An innovatively adopting a Chinese version of the HMO model, integrating high-quality resources without heavy asset investments, and offering a cost-effective service model [4][6]. Group 3: Technological Integration - Technology is identified as the core driver for the diversified strategy of Ping An, with advancements in AI enhancing service efficiency and customer experience. The company has implemented a global operational management center and integrated technology into its service processes, achieving significant improvements in claims processing and customer service [5][6]. - The company has achieved a high level of digitalization, with 80% of service scenarios being handled through AI, significantly improving operational efficiency [5][6]. Group 4: Customer Service and Future Outlook - As of now, Ping An has served 250 million customers, providing a full lifecycle of services from basic financial products to comprehensive health management and elderly care solutions [7]. - Looking ahead to 2026, Ping An plans to enhance AI applications with three major innovative services: a universal service entry point, AI family doctors with high accuracy rates, and a unified global emergency rescue service [8].

第一，中国平安是国内少有的综合金融服务集团，保险为核心主业，同时覆盖银行、资产管理等多元业 务。其中，资产管理板块囊括了平安证券、方正证券、资管公司、基金公司、租赁公司等多个核心牌 照，但平安的综合金融并非简单的牌照叠加。 盛瑞生强调，平安始终以客户需求为核心，打造"一个客户、一个账户、多种产品、一站式服务"的一体 化服务场景，为客户提供便捷、高效、个性化的综合金融解决方案。这种模式的核心优势在于能够平滑 不同金融业态的周期波动——银行、证券、保险等业务的发展周期存在差异，多元布局使平安在不同周 期中均能把握机会，增强经营稳健性，降低单一业务风险。同时，通过交叉服务提升客户留存率与粘 性，实现长期稳定的资本回报。 转自：新华财经 新华财经北京12月22日电（丁晶） 在12月20日举办的2025雪球嘉年华上，中国平安董事会秘书兼品牌 总监盛瑞生发表了题为《平安的估值新叙事》的专题演讲，深入解析了这家金融巨头如何以科技为核心 驱动力，通过 "综合金融+医疗养老"双轮驱动战略重构自身发展格局，凭借差异化布局与创新服务挖掘 万亿级市场机遇。 市场热度下的长期价值聚焦 近年来，中国资本市场活力持续迸发，投资者信心显著提 ...