北京商报讯（记者李秀梅）10月11日，吉林金融监管局发布关于警惕"炒停售"的风险提示表示，个别保 险销售人员利用部分保险产品停售的时间窗口，渲染"最后购买机会"，利用信息不对称和金融消费 者"怕错过"的心理，诱导其仓促购买保险产品，进而引发消费投诉纠纷。主要有以下套路：炒作"停 售"与"末班车"。通过社交平台、电话推销等渠道密集发布信息，采用"产品即将停售""最后一波高收益 产品"等话术，制造紧张氛围，误导金融消费者匆忙决策。混淆保险产品与理财产品。将保险产品包装 成"理财产品""储蓄存款"进行销售。将保险产品收益与银行存款利率进行简单对比，夸大收益，隐瞒其 保险属性及提前退保产生损失的可能性。混淆"保证"与"演示"收益。尤其对于分红险和万能险，模糊保 证利率与演示利率的区别，或用历史较高收益率进行宣传并承诺保证收益。 了解收益表述，防止概念混淆。所有保险产品收益演示均为假设，历史业绩不预示未来表现。针对保险 产品销售中易混淆的收益概念，请务必知悉：预定利率仅用于产品定价演示，不代表实际收益承诺；保 底利率仅适用于万能账户，实际结算利率可能浮动且不得低于合同约定保底值；分红收益来源于保险公 司可分配盈余，具有 ...

北京商报讯（记者 李秀梅）10月11日，吉林金融监管局发布关于警惕"炒停售"的风险提示表示，个别 保险销售人员利用部分保险产品停售的时间窗口，渲染"最后购买机会"，利用信息不对称和金融消费 者"怕错过"的心理，诱导其仓促购买保险产品，进而引发消费投诉纠纷。主要有以下套路：炒作"停 售"与"末班车"。通过社交平台、电话推销等渠道密集发布信息，采用"产品即将停售""最后一波高收益 产品"等话术，制造紧张氛围，误导金融消费者匆忙决策。混淆保险产品与理财产品。将保险产品包装 成"理财产品""储蓄存款"进行销售。将保险产品收益与银行存款利率进行简单对比，夸大收益，隐瞒其 保险属性及提前退保产生损失的可能性。混淆"保证"与"演示"收益。尤其对于分红险和万能险，模糊保 证利率与演示利率的区别，或用历史较高收益率进行宣传并承诺保证收益。 查证官方渠道，拒绝销售误导。面对"停售"保险等不当宣传时，请您保持冷静，通过保险公司官方网 站、客服电话等渠道查验信息真伪，避免被不实信息误导而冲动购买保险产品。警惕个别保险销售人员 在销售过程中"保证收益""稳超存款""高收益""稳赚不赔"等误导宣传。认真阅读合同，重点关注"保险责 任"" ...

来源：上海证券报·中国证券网 上证报中国证券网讯（记者 韩宋辉）金融监管总局最新披露，"十四五"期间，保险业累计赔付9万亿 元，较"十三五"时期增长61.7%；农业保险为8亿户次农户提供风险保障；商业养老、健康保险积累准备 金11万亿元。 展望未来，何小伟认为，新时代保险业的高质量发展需要实现质量变革、效率变革、动力变革，特别是 要下大力气解决制约高质量发展的结构性、体制性矛盾和问题。 对外经济贸易大学保险学院副院长何小伟近日接受上证报记者采访时表示，"十四五"期间，保险业在防 范化解金融风险、实现高质量发展、服务实体经济水平都取得了显著成就。 "从普通居民的生活视角观察，无论是驾车出行、搭乘飞机、跟团旅游，还是家庭投资、养老规划、健 康护理，或者网上购物、贷款担保、抵御黑客，在众多的生活场景中，保险产品都在积极地发挥作用， 成为人们生活中不可或缺的组成部分。"他表示。 对行业自身而言，何小伟表示，过去，一些保险机构的投资者和保险从业人员对行业风险缺乏敬畏，对 合规不够重视，成为行业的"投机者""冒险者"，甚至成为行业的"破坏者"。"十四五"期间，经过持续的 制度建设与重拳治理，合规正在成为保险机构的基因，合 ...

9月22日，国务院新闻办举行"高质量完成'十四五'规划"系列主题新闻发布会，介绍"十四五"时期金融业 发展成就。据国家金融监督管理总局局长李云泽介绍，"十四五"以来，行业高质量发展实现新跨越，金 融服务再上新台阶，金融监管开创新局面。 北京大学经济学院风险管理与保险学系主任郑伟表示，"十四五"期间，保险业围绕"高质量发展"这条主 线，综合实力更加雄厚，实现了新跨越。2024年全年保费收入56963亿元，比2020年增长26%。2025年6 月，保险资金运用余额362343亿元，比2020年12月增长67%。2025年6月，保险业综合偿付能力充足率 204.5%，比2022年四季度末(即"偿二代"二期实施首年年末)提高8.5个百分点；核心偿付能力充足率 147.8%，比2022年四季度末提高19.4个百分点。 中央财经大学保险学院院长李晓林认为，经济社会越是进步，风险事件造成的损失常常就越大，对社会 的影响就越加剧烈，风险保障的挑战就越大。十四五期间，我国保险业针对自然条件、人口结构、地域 结构、收入水平、经济发展阶段、风险集约程度、应险科技水平、文化传统等国情因素，根据各群体、 区域的风险观、风险分层与风险视 ...

存款安全网：即便银行倒闭，您的资金也受层层保护 当银行倒闭的传言甚嚣尘上，储户心中难免泛起涟漪，焦虑情绪油然而生。然而，请您不必过度惊慌。在中国健全的存款保险制度之下，您的每一分钱都早 已被牢牢守护。 核心保障：50万元以内，本息全额无虞 最关键的一点，请您务必牢记：只要您的存款不超过50万元人民币，无论发生何种情况，您的本金和利息都将得到百分之百的赔付。这并非一句空话，而是 有法律法规作为坚实后盾。 存款保险制度：您的资金守护神 1. 法律基石与保障范围 在中国境内，所有吸收存款的金融机构，无论是大型商业银行、地方性合作银行，还是农村信用合作社，都必须依法加入存款保险制度。这意味着，一旦发 生不幸，作为存款人的您，在同一家银行的所有账户（包括活期、定期、大额存单等）的本金与利息合并计算，最高可获得50万元人民币的赔付。需要注意 的是，这项保障仅限于存款类产品，银行代销的理财产品、基金、保险等非存款类投资，则不在其列。 分散风险，确保万全：给您的两点贴心建议 为了让您的资金安全再添一层保障，我们为您梳理出以下两点至关重要的建议： 建议一：大额资金，分散布局，规避单一风险 1. 核心策略： 如果您在某家银行的总 ...

Core Viewpoint - The conference highlighted the need for insurance institutions to adapt their asset allocation strategies in a low interest rate environment while maintaining a long-term investment approach to support the high-quality development of the real economy [1][3]. Group 1: Market Environment and Confidence - Insurance institutions are experiencing increased confidence due to positive changes in the capital market since September of last year, with notable improvements in market performance despite economic slowdowns [4]. - Key factors contributing to this confidence include the rapid development of technology industries driven by artificial intelligence, expectations of intensified reforms during the 14th Five-Year Plan, and the resilience of exports amid global economic uncertainties [4]. Group 2: Asset Allocation Strategies - The risk appetite of insurance institutions is rising, necessitating adjustments in asset allocation strategies to align with the current market environment [5][6]. - The allocation structure is shifting towards a more diversified approach, with an emphasis on both fixed income and equity assets, while maintaining a cautious stance on fixed income investments [7]. - Insurance funds have increased their equity investments, with over 8% of investments in stocks this year, reflecting a significant rise from the beginning of the year [7]. Group 3: Alternative Investments and Long-term Strategies - There is a growing focus on diversifying income sources through alternative investments to extend duration, smooth volatility, and enhance yield flexibility [8]. - The appeal of REITs is highlighted as they offer predictable cash flows in a low interest rate environment, making them attractive for insurance capital [8]. Group 4: Investment Capability Enhancement - The changing investment environment demands improved asset identification and operational management capabilities from insurance institutions [9]. - A shift from a credit-focused approach to a more asset-understanding capability is essential for long-term stability and risk management [9]. - The industry consensus emphasizes the importance of deepening value investment and focusing on high-quality growth sectors such as new energy, technology, and advanced manufacturing [9].

Core Viewpoint - The article highlights the launch of the 2026 campus recruitment by China Insurance, emphasizing the company's commitment to innovation and the opportunity for graduates to contribute to the insurance sector while pursuing their careers [3][4]. Company Overview - China Insurance, established in 1986, began with agricultural insurance and has evolved into a significant player in the insurance market. The company is now positioned for higher development following its ownership transfer to Central Huijin in 2025 [4]. - As the only state-owned insurance company with the "China" name, it boasts a registered capital of 14.64 billion yuan and a comprehensive solvency adequacy ratio of 227.2% as of December 2024. The company reported annual premium income of 68.15 billion yuan, ranking fifth in the property insurance market [5]. Recruitment Details - The recruitment is aimed at graduates from domestic and international institutions for various roles, including management training, technology, marketing, and claims [9]. - The company offers a comprehensive training system and growth platform, ensuring that employees have clear career development paths and competitive compensation packages, including basic, performance, and reward salaries [11]. Employee Benefits - Employees are provided with high-competitive salaries and benefits, including five insurances and one fund, supplementary commercial insurance, paid annual leave, and regular health check-ups [11]. Application Process - The recruitment process includes resume submission, written tests, and interviews, with specific timelines for offer issuance and campus visits outlined [13][14]. Targeted Fields of Study - The company welcomes graduates from various fields, including actuarial science, finance, mathematics, public health, and engineering, indicating a broad scope for potential candidates [10].

Group 1 - The core viewpoint of the articles highlights the proactive measures taken by Agricultural Bank of China Bozhou Branch to enhance financial literacy and risk prevention among key demographics, including the elderly, youth, and business owners [1][2] Group 2 - The bank has established a professional team to conduct targeted financial education activities in various locations such as universities, markets, and senior centers, focusing on real-life cases to educate students about campus loan traps and telecom fraud [1] - In Bozhou College, the bank organized a "First Financial Knowledge Class" for college students, aiming to instill rational consumption concepts [1] - The bank also provided specialized training for traditional Chinese medicine merchants in Bozhou to help them identify illegal fundraising and intermediaries, thereby improving the business environment [1] Group 3 - The bank has implemented service enhancements for the elderly, including the installation of caring service windows and barrier-free access at all branches, as well as providing reading glasses and emergency medical supplies [1] - During outreach activities, staff demonstrated the large-font version of mobile banking and introduced suitable deposit and insurance products for seniors, making financial services more accessible [1] Group 4 - The bank has leveraged its social security service advantages to offer convenient social security card processing and actively promote personal pension accounts [2] - Since September 2025, the bank has conducted 13 offline promotional events, benefiting over 10,000 citizens [2] - The bank aims to continue its commitment to "finance for the people" by providing higher quality services, a richer product range, and comprehensive risk control to create a harmonious financial environment [2]

Group 1: Company Analysis - 亚联机械 (001395) - The company has experienced high revenue and profit growth for two consecutive years, with a revenue growth rate of over 30% and net profit growth of 18.3% and 49.7% for 2023 and 2024 respectively [2][11] - The company is expected to maintain a gross margin of around 30% and a net margin above 15%, with a gross margin of 38% and a net margin of 26% in the first half of 2025 [11] - The penetration rate of particleboard is expected to increase, with only 20% of the domestic engineered wood production being particleboard, compared to 35% in Europe historically [11] - The company holds a leading market share in continuous pressing fiberboard and particleboard equipment, with market shares of 48.08% and 28.72% respectively [11] - The company has signed 18 production line orders with international clients, indicating a significant acceleration in overseas orders [11] - Investment analysis predicts revenues of 997 million, 1.123 billion, and 1.255 billion yuan for 2025-2027, with corresponding net profits of 196 million, 232 million, and 270 million yuan, leading to a PE ratio of 22, 18, and 16 times [2][11] Group 2: Company Analysis - 三峡旅游 (002627) - The company has transitioned from a traditional passenger transport business to a leader in the Yangtze River cruise tourism sector, focusing on a diversified product strategy [3][12] - The company is constructing a fleet of cruise ships to meet multi-level demand, with plans to build four luxury cruise ships for inter-provincial routes by 2028 [12][14] - Investment analysis forecasts net profits of 142 million, 164 million, and 228 million yuan for 2025-2027, with a corresponding PE ratio of 32, 28, and 20 times [3][12] Group 3: Company Analysis - 阿里巴巴 (BABA) - The company plans to invest 380 billion yuan over three years to build AI infrastructure, significantly increasing its computing power [4][13] - The company aims to become one of the few global super AI cloud platforms, focusing on a full-stack AI service model [4][13] - Investment analysis maintains profit forecasts of 125.5 billion, 155.3 billion, and 178.8 billion yuan for the fiscal years 2026-2028, with a target price of 228 USD per share, indicating a 29% upside potential [4][15] Group 4: Industry Analysis - Insurance Sector - The insurance sector is expected to see a significant increase in equity allocation, with state-owned insurance companies projected to allocate 875.2 to 943.4 billion yuan to A-shares from 2025 to 2027 [24][25] - The sector has shown stable profit growth, with a year-on-year increase of 45.8% in net profit for 2024, reaching 5.449 billion yuan [20][25] - The net investment yield for listed insurance companies is projected to be between 2.8% and 3.8%, with a focus on optimizing asset allocation [25]

2025年9月16日下午，人保寿险日照中支在主要负责人的带领下，主动融入日照市银行保险业2025年金融教育宣传周联合宣传活动，以扎实举措践行"人民 保险 服务人民"的宗旨，全力守护金融消费者合法权益。 在联合宣传活动现场，人保寿险日照中支聚焦消费者核心需求，精准开展知识普及与风险提示。一方面，深入宣传金融产品适当性知识，引导金融消费者 和投资者立足自身实际，理性选择适配的金融产品，远离虚假宣传、非法中介、非法金融活动及电信诈骗的侵害；另一方面，系统解读新《反洗钱法》核 心内容、洗钱预防基本知识。通过专业讲解，既强化了消费者的维权意识与风险责任意识，也助力其树立理性消费、价值投资的科学理念，更深化了公众 对金融行业的信任，为"金融为民"实践注入鲜活动力。 为构建常态化宣传阵地，人保寿险日照中支统筹推进职场宣传规范化建设。联合各县区网点，在五家柜面高标准完成"消保信息公示区"与"金融消保宣传 区"打造，将柜面升级为持续输出金融保险知识的固定教育基地。同时，通过张贴宣传海报、悬挂主题条幅、LED屏滚动播放"保障金融权益 助力美好生 活"口号等形式营造浓厚氛围，并在营业网点醒目位置设立专属咨询台，实行"即问即办、上门 ...