中国邮政官微于2025年10月发布的信息显示，中国邮政拥有6.4万个末端网点。因此，业内人士分析，此次中国邮政保险代理牌照落地，意味 着中国邮政能够直接整合其遍布城乡的、数量更为庞大的实体网点开展保险代理业务。 此外，值得注意的是，中国邮政的入局发生于保险中介行业正经历深度"清虚提质"的收缩期。在众多中小中介机构纷纷离场之际，"国家队"入 场，其背后的战略考量和市场影响引发业内高度关注。 逆势入局保险中介市场 南方财经全媒体记者 林汉垚 实习生 徐若萱 近日，国家金融监督管理总局发布批复，同意中国邮政集团有限公司（下称"中国邮政"）经营保险代理业务。批复信息显示，其代理险种范围 广泛，涵盖机动车辆保险、企业财产保险、家庭财产保险等财产险产品，以及人寿保险、年金保险、健康保险、意外伤害保险等人身险产品， 共计15类。 近年来，保险中介市场清虚提质正在加速。 据媒体报道，2024年全年共有21家保险专业中介机构牌照被注销或吊销，而2025年前10个月，注销数量已与2024年全年相当。 地方上，保险中介分支机构注销也推进。如国家金融监管总局吉林监管局数据显示，截至2025年6月末，吉林地区已注销保险专业中介机构62 ...

批复要求，中国邮政集团有限公司应严格遵守保险代理有关法律法规，接受金融监管总局及其派出机构监管，不断提升代理保险业务管理能力，建立代理保 险业务防火墙，切实保护金融消费者合法权益。 11月24日，国家金融监督管理总局发布批复，同意中国邮政集团有限公司经营保险代理业务，代理险种范围为：机动车辆保险、企业财产保险、家庭财产保 险、货物运输保险、船舶保险、工程保险、特殊风险保险、农业保险、责任保险、信用保险、保证保险、人寿保险、年金保险、健康保险、意外伤害保险， 代理保险业务的营业网点范围为代理营业机构。 （国家金融监督管理总局） ...

声明：本系列文章基于原期刊目录和摘要内容整理而得，仅限于读者交流学习。如有侵权，请联系 删除。 期刊介绍： 《Journal of Risk and Insurance》为季刊，每年4期，每期发表文章8-10篇左右。2024年影响因子为 2.1，是风险管理与保险领域的顶级权威学术期刊。该期刊主要发表保险经济学和风险管理主题的理 论和实证方面的学术论文，可以为保险市场的实践、决策和监管以及企业和家庭风险管理提供重要 的信息。 本期看点： ●欧美保险公司的投资策略存在差异：在市场收缩的第一个月，保险公司会顺周期地将投资组合转 向低信用风险资产。随着危机持续，欧洲保险公司表现出逆周期的风险投资行为（尤其青睐高收益 工具），押注市场复苏，而美国公司不存在这种逆周期行为。 ●德国寿险公司的数据表明，保险公司公开报告的偿付能力比率会影响保费增长和退保率，支持通 过公共风险披露来加强市场约束的结论。 ●系统重要性银行机构的系统性风险受多重冲击驱动，而系统重要性保险机构的系统性风险主要源 于新冠疫情的影响。 ●保额保险产品形式日益复杂，其每当出现良性创新后，便会涌现混淆性产品（隐性包装）。 ●保险会计信息对低破产风险企业更具 ...

报告显示，保险业扩大健康保险覆盖面，将更多医疗新技术、新药品、新器械的应用纳入保障范围。去 年，长期健康险新增保单4489.35万件，新增保险金额150.30万亿元，赔付支出1187.77亿元、同比增长 3.07%，年末有效保险金额330.55万亿元。 （文章来源：人民日报） 中国保险行业协会近日发布的《中国保险业社会责任报告（2024）》显示，保险业聚焦国家重大战略和 重点领域，为科技创新和现代化产业体系等领域提供一揽子风险管理和保险服务。2024年，科技活动主 体签单42.44亿件，赔款支出177.28亿元；保险业提供科技保险保障约9万亿元。险资运用方面，保险业 为战略性新兴产业投资6800亿元，同比增长17%；支持科技自立自强存量资金8800亿元，同比增长 107%。 ...

本报讯 （记者冷翠华）中国保险行业协会（以下简称"中保协"）近日正式发布《中国保险业社会责任报告（2024）》（以 下简称《报告》）。这是中保协连续第6年组织行业编写社会责任报告，系统呈现了2024年保险业履行社会责任的具体举措和 突出绩效。 在服务社会治理过程中，保险业充分发挥行业风险管理等专业优势，聚焦助力筑牢灾害防控网，大力发展巨灾保险，拓展 巨灾保险保障范围和保障水平，建设巨灾保险共同体，积极探索巨灾保险区域试点，推进巨灾保险保障机制建设。2024年，国 家新出台巨灾保险相关制度，将台风、洪水、暴雨、泥石流等自然灾害纳入保障范围，实现巨灾保险基本保险金额翻倍。城乡 居民住宅巨灾保险共同体为6439万户次居民提供22.36万亿元巨灾风险保障。责任保险为全社会提供保险金额7053.10万亿元， 赔款支出749.55亿元、同比增长12.34%。 《报告》从七个方面展示2024年保险业履行社会责任的生动实践。一是服务国家战略，助推新质生产力；二是以人民为中 心，增进人民福祉；三是优化应急管理，强化风险减量；四是加强公司治理，确保合规经营；五是强化消费者保护，培育保险 文化；六是加强人文关怀，助力公益慈善；七是 ...

Core Insights - Southbound funds increased their holdings in China People's Insurance Group by 6.452 million shares on November 18, 2025, marking a 0.24% increase in total shares held [1][2] - Over the past five trading days, there were three days of net increases, totaling 10.745 million shares, while in the last twenty trading days, there were eleven days of net reductions, totaling 13.60 million shares [1] - As of now, southbound funds hold 2.654 billion shares of China People's Insurance Group, accounting for 30.4% of the company's total issued ordinary shares [1] Shareholding Summary - On November 18, 2025, total shares held reached 2.654 billion, with a change of 6.452 million shares [2] - On November 17, 2025, total shares held were 2.647 billion, with a change of 0.964 million shares [2] - On November 14, 2025, total shares held were 2.646 billion, with a decrease of 1.946 million shares [2] - On November 13, 2025, total shares held were 2.648 billion, with an increase of 5.877 million shares [2] - On November 12, 2025, total shares held were 2.642 billion, with a decrease of 0.602 million shares [2] Company Overview - China People's Insurance Group is a holding company primarily engaged in providing insurance products, including property insurance, health insurance, life insurance, reinsurance, Hong Kong insurance, and pension insurance [2] - The property insurance segment includes products for both corporate and individual clients, such as motor vehicle insurance, agricultural insurance, property insurance, and liability insurance [2] - The health insurance segment focuses on health and medical insurance products, while the life insurance segment includes various life insurance products such as participating, whole life, annuity, and universal life insurance [2] - The Hong Kong insurance business encompasses property insurance operations in Hong Kong, and the pension insurance segment includes corporate annuities and occupational annuities [2]

Core Points - ICBC-AXA Life Insurance Co., Ltd. received an administrative penalty of 1.15 million yuan due to violations including failure to strictly implement sales traceability, unauthorized changes to business locations, and inaccuracies in provided data [1] - The company emphasized that these issues occurred in 2023 and prior, and it is taking corrective actions to enhance compliance and internal control management [1] - The administrative penalty is not expected to have a significant impact on the company's operations, and it will adhere strictly to regulatory requirements moving forward [1] Regulatory Penalties - In July 2025, the Sichuan branch of ICBC-AXA Life was fined 450,000 yuan for not using approved insurance rates and providing false financial data, with four responsible individuals receiving warnings and fines totaling 100,000 yuan [1] - In August 2025, the Shandong branch was fined 240,000 yuan for not using approved insurance terms, with one responsible individual receiving a warning and a fine of 40,000 yuan [2] - The marketing service department in Zibo, Shandong, was fined 130,000 yuan for deceiving policyholders, with one responsible individual receiving a warning and a fine of 10,000 yuan [2]

Core Viewpoint - Fuze Life Insurance Co., Ltd. has been officially approved for an insurance license, marking its entry into the insurance market with a focus on various personal insurance products, including life, health, and accident insurance [1][2]. Company Overview - Fuze Life was established on June 19, 2023, with a registered capital of 17 billion yuan [2]. - The company is headquartered in Jinan, Shandong Province, specifically at Jin控大厦, 16th and 17th floors [4]. - The major shareholders include Jinan Jintou Holding Group Co., Ltd. (49.71%) and Jinan Zhengjintongda Investment Group Co., Ltd. (3.53%), collectively holding over 53% of the shares [2][3]. Business Scope - Fuze Life's business scope includes various types of personal insurance, reinsurance for these products, and investment of insurance funds as permitted by laws and regulations [1][2]. Management Team - The chairman and legal representative of Fuze Life is Feng Yi, who is also the director of the Jinan Municipal Financial Supervision Administration [4]. - The general manager is Xie Zhufeng, who previously held senior positions at China Post Life Insurance [4]. Strategic Context - The establishment of Fuze Life is seen as a strategic move to address the risks associated with Jun Kang Life Insurance, with plans to take over its assets and liabilities [5]. - Jun Kang Life, which has undergone several changes in ownership and management, faced significant financial challenges, including a reported net loss of 1.911 billion yuan in 2019 [7].

Core Insights - Fuzhou Life Insurance Co., Ltd. has recently obtained an insurance license, with the approval date set for June 10, 2025, and the issuance date on November 7, 2023, by the Shandong Financial Regulatory Bureau [1] Company Overview - Fuzhou Life has a registered capital of 17 billion yuan and is located in Jinan, Shandong Province. Its business scope includes life insurance, health insurance, and accident insurance, along with reinsurance and other approved business activities [1] - The major shareholders include Jinan Jintou Holding Group Co., Ltd. with 8.45 billion yuan investment (49.71% stake), China Insurance Protection Fund Co., Ltd. with 6 billion yuan (35.29%), China PICC Asset Management Co., Ltd. with 1.95 billion yuan (11.47%), and Jinan Zhengjintongda Investment Group Co., Ltd. with 600 million yuan (3.53%) [1] - The actual controller of Jinan Jintou Holding Group is the Jinan Municipal Finance Bureau, making it a significant financial investment platform in Jinan. The local state-owned assets hold a combined stake of 53% [1] Management Team - The chairman of Fuzhou Life is Feng Yi, who is also the director of the Jinan Local Financial Management Bureau, while the general manager is Xie Zhufeng, a seasoned professional in the life insurance industry [1][2] Industry Context - The establishment of Fuzhou Life may be linked to the risk management of Jun Kang Life Insurance, which has faced significant financial challenges, including the misappropriation of nearly 100 billion yuan, leading to a prolonged operational crisis [3] - The insurance industry typically resolves such risks through the introduction of new investors or shareholders, restructuring, and the involvement of regulatory bodies and insurance protection funds [3]

Core Insights - The 12th "Peking University Saisir Forum 2025" was held at Peking University, focusing on the theme "Looking Ahead to the 14th Five-Year Plan: Strategic Opportunities and Risks" [1] - The forum gathered over 200 experts from regulatory bodies, universities, financial and insurance institutions, and research organizations to discuss opportunities and challenges in economic and social development during the 14th Five-Year Plan period [1] Group 1 - The 14th Five-Year Plan period is a critical stage in China's progress towards achieving socialist modernization, with the recent approval of the "Suggestions on Formulating the 14th Five-Year Plan for National Economic and Social Development" by the 20th Central Committee [1] - The forum aims to gather diverse insights to promote high-quality development in the insurance industry, improve the social security system, and facilitate coordinated economic and social development [1] Group 2 - The opening speech was delivered by Sun Qixiang, Honorary Director of the China Insurance and Social Security Research Center at Peking University, followed by a keynote address from Liang Tao, former Vice Chairman of the China Banking and Insurance Regulatory Commission, emphasizing high-quality development and the alignment of insurance with economic needs [2] - Experts including Chen Wenhui, former Vice Chairman of the National Social Security Fund Council, and others discussed topics such as digital transformation in insurance, healthcare reform, and new challenges in pension insurance [2] Group 3 - A roundtable forum on the development of the Chinese insurance industry was held, featuring the launch of the "China Insurance Industry Development Report 2025," with discussions on enhancing health insurance services, building risk management systems, and applying actuarial techniques [2] - The forum included eight sub-forums covering various topics such as insurance and economic growth, pension insurance, healthcare insurance, and family risk management, with over thirty scholars presenting their research findings [3] Group 4 - The forum concluded with a summary speech by Suo Lingyan, Vice Dean of the School of Economics at Peking University, expressing gratitude to participating experts and organizations, and reaffirming the forum's role as a platform for government, industry, academia, and research collaboration [3] - Since its establishment in 2003, the China Insurance and Social Security Research Center has focused on bridging academic research and policy practice, actively serving national strategies and promoting continuous innovation and institutional improvement in the insurance and social security sectors [3]