证券日报网讯1月22日，一心堂（002727）在互动平台回答投资者提问时表示，六部门发布的社区家庭 服务业税费优惠政策旨在支持养老、托育、家政等社区家庭服务业发展。公司将医疗、康复、护理、养 老、健康管理等服务紧密融合，拓展公司业务边界，构建医康养生态圈。目前社区与居家养老业务在正 常推进中。 ...

新春将至，团圆在即。近日，瑞众保险在全国多地同步启动"瑞甄选·众团圆——瑞众保险首届新春嘉年 华"活动，通过融合传统年俗体验、家庭服务场景与保险保障规划，打造兼具年味与专业度的新春服务 新场景，吸引了众多客户家庭走进瑞众保险职场，感受别样的新年氛围。 一站式解决方案，回应家庭长期关切 围绕不同家庭成员的核心需求，瑞众保险在活动中集中展示了涵盖教育、养老、健康、资产传承等方面 的综合解决方案，并引入教育、养老、法税等领域的专业资源，为客户提供多维度咨询支持。 相关负责人介绍，瑞众保险始终坚持"一个客户、一套方案、一站服务、一生守护"的经营体系，希望通 过新春这一重要时间节点，引导更多家庭关注长期规划，为未来生活提前做好准备。 据悉，本次新春嘉年华以"团圆"为核心主题，将瑞众保险职场焕新升级为集互动体验、家庭服务与专业 咨询保单体检于一体的"新春会客厅"，让客户在轻松温暖的节日氛围中，重新认识保险在家庭生活中的 长期价值。 年味场景进职场，营造沉浸式团圆体验 活动现场设置了多元新春互动板块，包括手作年味工坊、团圆照相馆、新春"吉"市打卡区等。写春联、 剪窗花、DIY灯笼等传统民俗活动吸引不少家庭参与，孩子与父母共 ...

专题：新浪财经2025年会暨第18届金麒麟论坛 "新浪财经2025年会暨第18届金麒麟论坛"于2026年1月15日在北京举办，本次会议的主题是"十五五开 局，经济新启航——重塑增长范式，共创未来繁荣"。第十三届全国政协经济委员会副主任，国务院发 展研究中心原副主任刘世锦出席并演讲。 谈及消费结构，刘世锦表示，我国现在面临的所谓"需求不足"主要是"消费需求不足"，与全球的平均水 平相比，我国消费占GDP的比重大概低20个百分点，这个缺口他称之为"结构性的偏差"。所以，首先要 把这个缺口补上，加以纠正，我国才会成为一个消费大国。 其中，他指出，既要消费国内的产品，也要增加对国外产品和服务的消费，提高消费的国际化水平。同 时，以教育、医疗、养老、文化体育娱乐等发展型消费为主的消费，从统计上来讲它算是消费，但是也 可以看成是投资，"投资于人，实际上是人力资本的投资，人力资本支持创新。" 另外，刘世锦强调，从经济增长来讲，消费对经济增长的重要性向往前移了。"以往我们稳增长重点是 抓投资，目前和以后重点是要抓消费。" 新浪声明：所有会议实录均为现场速记整理，未经演讲者审阅，新浪网登载此文出于传递更多信息之目 的，并不意味 ...

Core Insights - The conference "Sailing into 2025 Financial Annual Meeting" was held in Beijing, focusing on the theme of "New Starting Point, New Momentum, New Journey" with over 100 guests and more than 500 financial institutions and listed companies in attendance [1] Group 1: Insurance Industry Development - The insurance industry should effectively meet the financial needs of the public, particularly in areas such as pension and health insurance, and expand coverage for small and micro enterprises, private sectors, and agriculture [3] - There is a need for the insurance sector to develop pension and health insurance products that align with the national strategy for an aging population, and to actively participate in enterprise annuity management and personal pension business [3] - The integration of commercial insurance with medical insurance should be deepened to enhance health services from prevention to rehabilitation, and to promote the development of long-term care insurance [3] Group 2: Addressing Vulnerable Groups - The insurance industry must leverage digital technology to improve service quality and develop online, intelligent insurance products for small and micro enterprises and agriculture, thereby enhancing coverage and credit systems in rural areas [4] - There is a significant need for insurance services to support low-income groups, farmers, and other vulnerable populations, as their financial reserves and risk resistance capabilities are low [4] Group 3: Disaster Risk Management - The insurance industry's participation in natural disaster management is currently below global standards, with a reliance on government and social donations for disaster relief [4] - The industry should engage in the design of a multi-tiered disaster risk-sharing system, developing specialized insurance products for disasters such as earthquakes, typhoons, and floods [4] - Innovations in insurance products related to public safety, such as liability insurance for safety production and public spaces, are essential for enhancing risk prevention and emergency response mechanisms [4] Group 4: Quality of Insurance Services - The insurance industry must address both the availability and quality of services, ensuring that it can provide essential support in times of need [5]

深化客户经营，构建信任纽带 丰富产品体系，满足多元保障需求 瑞众保险始终立足客户需求，致力于为个人和团体提供全面、多元的人身保险解决方案。公司产品覆盖 生存、养老、疾病、医疗、身故、残疾等多种保障范围，满足客户在人身保险和财富管理领域的综合需 求。2025年上半年，瑞众保险累计赔付金额达27.91亿元，日均赔付1542万元，为19.3万名客户送去及时 雨般的保障。 为服务老龄化社会，瑞众保险不断丰富养老金融产品供给，拓宽年金产品投保年龄至85岁，解决高龄客 户投保产品短缺等问题，同时上市简易核保重疾险，覆盖非标体高龄客群，提高老年人保障水平，助力 养老金融发展。 提升服务品质，打造有温度的服务体验 成立以来，瑞众保险坚持以客户为中心，持续优化服务流程、创新服务模式，通过科技赋能提升服务效 率与体验。公司小额理赔时效仅0.16天，小额理赔获赔率达99.64%，理赔线上申请率97.2%，展现出高 效、便捷的理赔服务能力。 公司积极推广智能化、线上化服务，线上保全业务占比已达99.61%，在线客户满意度达99.97%。通过 智能核保、智能理赔、线上保全与智能客服等体系化服务流程，客户可实时查询理赔进度，享受高效透 ...

Core Insights - The primary focus should be on expanding domestic demand, particularly consumer demand, as a priority for economic growth [1] - The main contradiction in China's economic operation has shifted from the supply side to the demand side, making effective demand expansion crucial for stable economic growth [1] - Current weak consumer demand is attributed to both short-term shocks and long-term structural issues, with insufficient social security and unstable consumer expectations being the main factors [1] Summary by Sections Economic Strategy - Zhang Jun's emphasis on prioritizing consumer demand is essential for achieving dynamic balance in total supply and demand at a higher level [1] - A stable and sustainable economic growth environment is necessary to address issues such as technological innovation, green transformation, and risk mitigation [1] Consumer Demand - The current state of consumer demand is weak due to various factors, including insufficient social security and low consumer confidence [1] - Service consumption is lacking, which is linked to both inadequate support levels and supply-side capabilities [1] Policy Recommendations - Policies to effectively release consumer potential should focus on three areas: counter-cyclical consumption policies, optimizing support for commodity consumption, and enhancing support for service consumption [2] - Increased subsidies in sectors like education, healthcare, elderly care, and childbirth are recommended to boost consumer willingness and capacity [2]

Core Insights - Tongfang Global Life Insurance reported a comprehensive investment return rate of -2.81% for Q3 2025 and -0.09% for the first three quarters, with solvency declining due to market volatility affecting the value of available-for-sale financial assets [2][4] Financial Performance - Recognized assets for Q3 amounted to 5,105,460 million yuan, down from 5,145,506 million yuan in the previous quarter, with a forecast of 5,435,420 million yuan for the next quarter [3] - Recognized liabilities increased to 4,071,064 million yuan from 3,913,091 million yuan, with a projected increase to 4,290,585 million yuan [3] - Actual capital decreased to 1,034,396 million yuan from 1,232,416 million yuan, with a forecast of 1,144,835 million yuan [3] - Core solvency adequacy ratio fell from 161% to 130%, while comprehensive solvency adequacy ratio decreased from 205% to 165%, both remaining above regulatory requirements [3] Investment Performance - The market value of available-for-sale financial assets decreased by approximately 19.59 billion yuan due to market fluctuations, leading to a significant reduction in core capital [4] - The actual yield on 10-year government bonds rose to about 1.88%, higher than the previous quarter's prediction of 1.66%, resulting in a lower market value of available-for-sale financial assets by about 18 billion yuan [4] - The company increased its holdings in stocks and securities investment funds, leading to a rise in market risk exposure by approximately 3.21 billion yuan [4][5] Management Changes - Curtis Sherwin Chen was appointed as the new chairman of Tongfang Global Life Insurance, with three other executives also receiving approval for their positions [6] - The company reported a premium income of 37.27 billion yuan in Q1, but a net loss of 2.75 billion yuan, attributed to market fluctuations affecting the value of available-for-sale financial assets [6] Legal Issues - Since 2025, Tongfang Global Life Insurance has been involved in 33 legal cases, primarily related to personal insurance contract disputes [6]

Core Insights - The core viewpoint of the articles highlights the significant growth and strategic evolution in the collaboration between banks and insurance companies, particularly in the life insurance sector, with a notable increase in premium income and a shift towards value-driven partnerships [1][2][4]. Group 1: Premium Income and Growth - In the first half of the year, China's life insurance companies achieved original insurance premium income of 27,705 billion yuan, representing a year-on-year growth of 5.4% [1]. - The bank and postal channels generated premium income of 11,695 billion yuan, with a year-on-year increase of 9.3%, significantly outpacing the overall industry growth [1]. - The bank and postal channels contributed 42.4% to total premiums, second only to the individual insurance channel at 47.4% [1]. Group 2: Strengthening Cooperation - The bond between banks and insurance companies is deepening, with increasing cooperation potential stemming from changes in cooperation models, foundations, and ecosystems [2]. - Banks view insurance distribution as a crucial component of their non-interest income, helping to alleviate pressure from narrowing net interest margins [2]. - Insurance companies benefit from banks' customer base and credibility, facilitating customer acquisition and providing implicit credit support [2]. Group 3: Improved Cooperation Ecosystem - The strict implementation of "reporting and banking integration" has accelerated the deep transformation of bank-insurance business, shifting from a fee-driven model to a customer service-centered value co-creation phase [3]. - Insurance companies are increasingly focusing on service ecosystem development, while banks recognize the value of the service resources provided by insurance companies [3]. - This shift has cleared obstacles to the healthy development of bank-insurance cooperation, enhancing the business value attributes of the bank and postal channels [3]. Group 4: Trends and Future Outlook - The bank-insurance channel is undergoing a profound transformation from a scale-oriented approach to a value-oriented one [4]. - It is anticipated that complex insurance products will occupy a larger share of the market, with bank-insurance new single premiums expected to approach 70% by year-end [4]. - The demand for risk protection and wealth management products is increasing, with a growing preference for long-term savings and complex insurance products among bank customers [6]. Group 5: Performance of Leading Insurance Companies - In the first half of the year, major listed insurance companies reported significant growth in premium income from bank-insurance channels, with New China Life Insurance achieving a 65.1% year-on-year increase [5]. - The contribution of bank-insurance channels to total premium income for New China Life rose from 28.3% to 38.1% [5]. - Other leading companies also reported substantial growth in bank-insurance channel premiums, with the lowest growth rate at 37.5% for Ping An Life and Health Insurance [5]. Group 6: Role of Technology - Technology is expected to empower the entire bank-insurance operational chain, with advancements in big data and artificial intelligence reshaping operations [6]. - Enhanced data connectivity will facilitate precise marketing, team management, customer service, and compliance risk control [6]. - The focus on service quality and customer engagement will be critical for maintaining customer loyalty in the evolving bank-insurance landscape [6]. Group 7: Market Dynamics and Competition - The bank-insurance channel is likely to experience a "Matthew Effect," where leading insurance companies will continue to strengthen their market positions while smaller firms face multiple constraints [7]. - The competitive advantages of leading firms in brand, value-added services, capital strength, risk resistance, and product innovation will become more pronounced [7]. - The market share of leading insurance companies in the bank-insurance channel is expected to continue increasing [7].

Core Insights - The province has achieved a significant increase in urbanization rate, rising from 55.43% in 2020 to 59.22% in 2024, with an addition of 2.87 million urban residents and 38 new cities since the start of the 14th Five-Year Plan [1] Group 1: Urbanization Strategy - The province is implementing a people-centered new urbanization strategy, prioritizing high-quality urban development in urbanization construction [1] - Various plans have been introduced, including new urbanization construction and Zhengzhou metropolitan area development, to ensure the successful achievement of urbanization rate targets set in the 14th Five-Year Plan [1] Group 2: Metropolitan Area Development - The focus is on enhancing the comprehensive strength, core competitiveness, and regional influence of the Zhengzhou metropolitan area, promoting coordinated development with surrounding cities [2] - The province aims to strengthen urban integration and collaboration among cities within the metropolitan area, facilitating cross-regional administrative processes [2] Group 3: Town Development Potential - The province has cultivated 20 new-type urbanization pilot counties and identified 84 potential counties, with nearly 70% showing urbanization rate growth above the provincial average [2] - Future efforts will include supporting infrastructure development, industrial transfer, and collaborative projects to accelerate industrial upgrades and population concentration in potential areas [2] Group 4: Urban Development Projects - The province plans to initiate more key urban renewal projects, including the renovation of underground pipelines and old urban communities, while seeking additional funding support [2] - There will be a focus on investing in human capital, particularly in education, healthcare, and elderly care, to enhance urban livability and overall capacity [2]

Core Insights - The insurance industry is currently at a critical juncture for transformation and high-quality development, facing both strategic opportunities and challenges [2][3] - There is a growing demand for insurance products related to retirement, health, and long-term care, driven by changes in macroeconomic conditions, demographic structures, and technological advancements [1][2] Group 1: Industry Opportunities - The Chinese insurance market is the second largest globally, but there is still a gap in insurance depth and density compared to global averages [2] - The insurance industry is expected to evolve from a focus on risk compensation to a comprehensive management tool for quality of life and wealth management [1][4] Group 2: Consumer Demand Changes - Consumer preferences for risk management have shifted, leading to mismatches between supply and demand in the insurance sector, including issues like personalized needs versus standardized offerings [3][4] - There is a need for insurance companies to adapt to these changes by offering products and services that cover the entire lifecycle of customer needs, particularly in health, retirement, and wealth management [4] Group 3: Strategic Recommendations - The insurance industry should focus on high-quality development, enhancing compliance management, and innovating floating income products to better serve customer needs [4] - Companies are encouraged to adopt a family-centered approach to meet diverse needs in healthcare, retirement planning, and wealth preservation [4]