人寿保险产品

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渤海人寿:践行金融使命 护航美好生活
Cai Fu Zai Xian· 2025-07-04 03:30
Core Viewpoint - The company emphasizes its commitment to enhancing the insurance industry's image and fulfilling its role as an economic stabilizer and social safety net, aligning with the theme of the "7.8 National Insurance Publicity Day" which focuses on love and responsibility [1][8] Group 1: Product and Service Development - The company is focusing on supply-side structural reforms to enhance insurance product offerings, particularly in the fields of pension and health insurance, launching new annuity and life insurance products that cater to wealth management and asset inheritance needs [2] - In 2024, the company paid out insurance claims totaling 181 million RMB, an increase of 11.04% compared to 2023, with a claims settlement rate of 99.95% and an average settlement time of 1.54 days, which is 18.95% faster than the previous year [2] Group 2: Disaster Response and Emergency Management - The company integrates disaster prevention and emergency management into its operational framework, implementing a tiered management system for significant events and enhancing its emergency financial service capabilities [3] - The company has initiated a green claims channel during major disasters, simplifying claims processes and removing restrictions on designated hospitals and self-paid medications [3] Group 3: Technological Innovation and Service Quality - The company is advancing its digital customer service capabilities through the "Six Hearts Project," which focuses on providing high-quality, warm financial services [4] - In 2024, the company established a multi-channel interactive service platform, significantly improving service efficiency and winning awards for outstanding customer service [4] Group 4: Consumer Protection and Financial Education - The company is enhancing its consumer protection framework by improving internal control management and conducting extensive training programs, achieving a 100% participation rate in consumer protection training [6][7] - In 2024, the company reached nearly 26.7 million consumers through various financial education initiatives, promoting financial literacy and risk awareness [7]
李大霄:险资入市是重大利好 或助推中国股市向3400点发起总攻
Quan Jing Wang· 2025-05-23 02:16
而中国股市最大的问题是资金来源短期化,这是股市大起大落的根源。而险资天然的长期性有效地解决 了这个问题,股市中高流动性优质资产又成为险资的最佳选择。这是一个互惠互利的最佳组合。 保险资金作为金融体系重要组成部分,其长期性和稳定性特征构建了区别于其他金融资本的独特运作逻 辑。这两个核心属性不仅影响着保险企业的资产配置策略,更对股票市场发展产生深远影响。 在长期性维度上,保险资金的生命周期与保险合同存续期保持高度契合。人寿保险产品普遍具有10-30 年的保障周期,养老保险资金沉淀时间甚至跨越代际。这种时间跨度为资金管理者创造了跨周期配置的 可能。 金融监管总局新闻发言人、政策研究司司长郭武平5月22日在国新办新闻发布会上表示,保险资金长期 投资改革试点的首批试点规模是500亿元,第二批试点是1120亿元,最近还要做第三批600亿元的批复, 规模合计是2220亿元。 总的来说,险资和其他长期资金的加盟,有效地改变了中国股市的资金短期化特征,中国股市或步入长 期健康稳定发展新阶段。由于本文篇幅有限,有兴趣读者可以在新书《李大霄投资战略》第三版中详细 阅读。 对此,前券商首席经济学家李大霄表示,该举措为重大利好消息,非 ...
【保障】除了贷款买房,公积金原来还能这样用
中国建设银行· 2024-10-28 06:01
个人征信线上查询,安全便捷更省心 11 t 货款买房 杂我金原来还能这样用! 00 10 唉,好烦,每次交完房 租都没剩多少零花了 ... 这有啥的,你可以用公 积金交房租啊 哈? 公积金还能用来交 房租! ? 众所周知,公积金能用 来贷款买房。但是你知 道吗? 其实, 公积金还 有以下这些用途噢! 01. 支付房租 连续足额缴存住房公积金3个月,目在 购买公积金的区域内名下无房产,可申 请提取公积金用以支付房租噢~需提供 租房合同,且只能按季度提取。 *具体提取金额以当地公积金管理中心为准 住房公积金管理条例中规定,购买/建 造/翻修/大修自住房, 可提取公积金账 户的存储余额。 02. 支付医药费 当面临重大疾病或重大手术住院治疗时, 可提取公积金用于支付本人/家人的医药 费, 例如恶性肿瘤、肾功能衰竭、慢性白 血病、帕金森氏病等。 *若非政策规定的重疾,需满足一年内支付的医疗 费用超过上一年度城镇居民收入可支配收入的6倍 *装修≠翻修噢,翻修指牵动房屋主体构件, 而装修是指对住房进行装饰美化。 H H H H 04. 生活贷款 这里的贷款是指个人信用贷款,俗称公积 金信贷,公积金按揭贷款只能用于买房, ...