Core Viewpoint - The company emphasizes the importance of disaster prevention and risk management, showcasing its proactive measures in response to Typhoon "Danas" to protect clients' lives and property [1][6]. Group 1: Emergency Response Measures - Upon receiving the typhoon warning, the company activated its emergency plan, coordinating manpower and resources to enhance risk warning and customer collaboration [1]. - A total of 426 personnel in the claims department were on standby, with 311 rescue vehicles deployed in the auto insurance sector and 12 preservation sites established in key areas [1]. - The company identified 143 flood-prone areas and completed visits to alert vehicle owners to move their cars, while also forming a rain intensity monitoring mechanism with industry partners [1]. Group 2: Client Disaster Prevention Services - As of July 7, the company conducted 102 on-site visits for key corporate property insurance clients and issued risk reports, while establishing communication groups for 18 engineering insurance clients with identified hazards [3]. - The company sent disaster prevention guidelines to 1,773 corporate property insurance targets and 215 engineering insurance projects through SMS, phone calls, and WeChat [3]. - In the agricultural insurance sector, 72 contracts for greenhouse early harvesting were implemented to minimize disaster losses, with full coverage of early warning notifications through village committees and farmers' WeChat groups [3]. Group 3: Technological Empowerment - Utilizing the "Eagle Eye DRS" risk control platform, the company accurately identified core areas affected by the typhoon and provided customized disaster prevention guidelines to high-risk enterprises [3]. - A professional risk control team conducted on-site inspections in vulnerable industries such as aquaculture and logistics in coastal areas, employing drones for dam inspections and infrared devices for electrical hazard detection [3]. - The company encouraged clients to download the "Car Owner" and "Enterprise Treasure" apps for self-service claims and one-click rescue applications, issuing over 12.56 million disaster prevention alerts and guidelines through various platforms [3]. Group 4: Commitment to Risk Reduction - The company’s management stressed that the value of insurance lies not only in post-disaster compensation but also in pre-disaster prevention, urging all levels of the organization to prioritize early warning and service [6]. - Multiple information exchange channels have been established for real-time updates on typhoon and flood prevention efforts, with management personally overseeing operations to ensure professional and efficient assistance to clients [6].

Core Viewpoint - The Financial Regulatory Bureau plans to implement "reporting and execution as one" for non-auto insurance to address ongoing losses in the sector and improve compliance and efficiency [1][2][11]. Group 1: Non-Auto Insurance Losses - Non-auto insurance has been experiencing significant losses, with cumulative losses of approximately 40 billion from 2020 to 2024 [8][19]. - The implementation of "reporting and execution as one" is aimed at addressing the underlying issues causing these losses, including high expense ratios and low premium rates [25][30]. Group 2: Implementation of "Reporting and Execution as One" - The new regulation will be implemented in phases, starting with all new non-auto insurance products needing to comply by August 1, 2025 [15][14]. - The non-auto insurance categories affected include liability insurance, corporate property insurance, and others, which together account for about 20% of the market share [19][21]. Group 3: Regulatory Adjustments - The regulatory framework will shift focus from premium growth to compliance, quality, and consumer satisfaction, reducing the emphasis on market share and growth rates [24][21]. - The new rules will enforce strict limits on expense ratios and require detailed reporting of fees, aiming to curb excessive costs and improve profitability [30][36]. Group 4: Addressing Industry Challenges - The regulation targets three main issues: low premium rates, high expense ratios, and the broadening of liability coverage [25][29]. - Companies will be required to establish mechanisms for regular review and adjustment of their fee structures to prevent deviations from approved rates [37][38]. Group 5: Consumer Protection and Industry Standards - The new guidelines emphasize the importance of consumer protection, ensuring that companies do not compromise service quality in pursuit of cost reductions [46][47]. - The insurance industry association will work on developing standard clauses and self-regulatory guidelines to enhance market practices and consumer trust [46][48].

专业服务，护航客户安全 今年6月，阳光财险山东分公司全面开展第24个"安全生产月"活动，活动紧扣"人人讲安全、个个会应急——查找身边安全隐患"主题，精心组织、全省联 动，累计在16地市开展宣教活动30余场次，组织消防培训与应急演练20余次，全面提升安全素养与风险防控能力，成效显著。 山东分公司延伸风险减量服务，风控团队深入淄博、聊城等地，以"伙伴行动"为抓手，运用红外线测温仪等技术，为62家在保企业提供电气线路检测等专业 风险减量服务，并出具防灾减损方案，筑牢客户夏季安全生产防线。 多维宣传深化安全共治 阳光财险山东分公司将持续巩固活动成果，推动安全管理常态化、智能化，深化风险减量服务，为高质量发展筑牢安全基石。 精准发力，夯实安全根基 阳光财险山东分公司所辖16地市组织全员学习安全论述、观看警示片，开展形式多样的隐患辨识科普行动，激励员工争当安全"吹哨人"；所有营业场所均按 照"安全生产月"要求，对办公职场、消防通道、水电气设施及燃气安全等进行"拉网式"排查，建立隐患台账，重大隐患严格"五落实"整改；全省开展消防应 急演练20余次，通过火灾模拟、疏散逃生、灭火救援等实战训练，确保员工熟练掌握"会报警、会灭火 ...

保险公司线下网点的核心价值正在重构。 金融监管总局保险许可证信息机构退出列表显示，截至6月3日，今年全国保险公司共撤销1037家分支机 构，同比增长超20%，其中人身险公司占比高达八成。 "短期来看，大量裁撤分支机构可能会给保险消费者带来不便，但这是一个长期趋势，保险公司顺势而 为才是对的。"对外经贸大学保险学院教授王国军在接受《金融时报》记者采访时表示。 "瘦身潮"：坚持效益优先的普遍选择 在经历快速调整后，低产能机构大量出清，裁撤步伐有所放缓。今年以来，保险公司裁撤分支机构数量 又出现明显增长，再次引发了市场的关注。具体来看，被裁撤的分支机构主要集中在县域地区以及少量 的三、四线城市，且以支公司和营销服务部为主。 "三、四线城市及以下地区的市场容量有限。在人身险行业转型的背景下，优化分支机构网络布局成为 许多险企提质增效的战略选择。"泰康人寿相关负责人表示。 在王国军看来，大量裁撤分支机构是保险公司考量多重因素的结果。其中，线上运营的性价比远超线下 渠道是一个重要原因。 《2024年中国互联网保险消费者洞察报告》(以下简称《报告》)显示，2024年，线上购保险率从2023年 的73%提升至78%，线下购保 ...

财险COR 显著改善，保费延续稳增长。1Q25 公司COR 94.5% /yoy-3.4pct，预计主要得益于大灾风险减 弱、风险减量工程推进、精细化费用管理等贡献。1Q25 财险总保费1,804 亿元 /yoy+3.7%，其中车险/非 车险保费规模分别为717 亿元/1,087 亿元，yoy+3.5% /+3.8%，整体保持稳健增长；但非车险中增速分 化，其中意健险/农险/责任险/企财险/其他险种分别yoy+6.5%/-4.1% /-1.3% /+1.2% /+11.3%，预计和承保 节奏以及消费偏好相关。展望25 年，在大灾风险同比减弱、全渠道报行合一推进、公司风险减量和费 控推进，COR 预计将延续显著改善趋势，承保利润有望大幅增长。 事件：中国人保披露1Q25 业绩，符合预期。1Q25 公司归母净利润128.5 亿元 /yoy+43.4%（与业绩预告 基本一致）；COR 94.5% /yoy-3.4pct，承保利润66.5 亿元 /yoy+183%；人保寿险NBV yoy+31.5%（可比 口径）。 财险利润增长拉动集团利润提升，投资业绩表现较好。1Q25 公司归母净利润128.5 亿元 /yoy+4 ...

4月12日，北京市突发大风天气，某企业厂房采光顶遭异物猛烈撞击，四块玻璃严重破损，其中一块完全碎裂，碎片 摇摇欲坠。平安产险北京分公司接报案后，仅用4小时完成查勘、定损、加固及赔付全流程，以高效行动化解企业安 全危机，赢得客户高度认可。 "没想到当天就能拿到赔款启动修缮，平安的专业能力让人安心！"企业负责人表示，此次高效处置不仅避免了高空坠 物伤亡风险，更将停产影响控制在3小时以内，保障了生产线正常运转。据悉，平安产险针对企业客户推出"灾险联 防"服务体系，通过建立应急服务商储备库、开发智能风控巡检程序等举措，实现大灾场景下"查勘-施救-赔付"全链条 无缝衔接。 平安产险北京分公司相关负责人指出，此次案件是企财险"防重于赔"理念的生动实践："我们不仅要做好事后赔付，更 要在灾情发生时第一时间介入风险管控，这是对企业安全生产的真正守护。"目前，公司已为受损厂房提供定制化风 控方案，计划加装防风锚固装置及智能监测传感器，全面提升抗灾能力。 "当时碎玻璃悬在十几米高的屋顶，底下就是作业区，太危险了！"企业负责人回忆道。平安产险理赔员侯荣、高仕武 接到报案后，30分钟内抵达现场，迅速攀至屋顶查勘。经排查，确认系大风卷 ...