作出这一判断，源于银行和保险公司在合作模式、合作基础与合作生态三方面发生的变化。首先， 合作模式日益紧密。近年来，银保双方积极建立新型合作关系，探索构建深层次战略协同，多数大型银 行已设立了自己的保险公司。不少大型保险公司也战略投资商业银行，在获得较好收益的同时也逐步深 化了银保合作。 其次，合作基础更加稳固。对银行来说，保险代销是中收的重要组成部分和稳定来源，有助于缓解 银行净息差收窄的压力；另外，保险产品也是银行发展综合金融、构建"金融产品超市"不可或缺的组成 部分，可有效满足银行客户在风险保障、财富传承和跨周期资产配置等方面的需求。对保险公司来说， 银行作为全社会的资金账户管理方，天然具有客群优势和信誉优势，便于保险公司触客、获客，也在无 形中提供了增信支持。 最后，合作生态明显改善。严格执行"报行合一"加速了银保业务的深度转型，双方合作从过度依赖 费用驱动，转向以服务客户为中心的价值共创新阶段。在这个过程中，保险公司愈发重视服务生态建 设，银行也愈发认可保险公司提供的服务生态资源，双方共同搭建起优势互补、长期共赢的合作新局 面，从"切蛋糕"走向"做蛋糕"。 严格执行"报行合一"为银保合作的良性发展扫清 ...

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]

● 本报记者 陈露 梁涛表示，从规模上看，我国已经成为全球第二大保险市场，但是从保险深度与保险密度等来看，我国 离全球平均水平还存在差距。 此外，业内人士认为，随着经济、社会环境的变化，消费者的风险管理偏好也发生了变化，但保险业作 为服务供给侧并未针对消费者需求变化作出及时调整。益普索（中国）董事李海岚认为，目前保险业供 需两端仍存在四大错配，包括个性化需求与标准化供给错配、足额健康保障需求与低覆盖供给错配、跨 周期财富需求与短期化供给错配、多元化养老需求与弱协同供给错配。 向全面风险管理体系升级 业内人士认为，当前，消费者在选择风险保障方案时，其决策维度早已超越单一产品功能，转而聚 焦"产品+服务"的全链条体验。未来保险公司需顺应消费者需求变化，从单一的经济补偿机制向全面风 险管理体系升级。 白皮书调研结果显示，消费者需求已从标准化向个性化迭代，客户对保险公司的期待已超越保单本身， 延伸至健康、养老、财富等生活场景，保险服务供给唯有围绕不同客群构建覆盖客户家庭全生命周期的 分层体系，才能形成差异化竞争力。 "在宏观经济环境、社会人口结构、技术变革等因素共同作用下，民众在投资、储蓄、消费等方面呈现 出新特征。 ...

财政部联合相关部门发布的《个人消费贷款财政贴息政策实施方案》《服务业经营主体贷款贴息政策实 施方案》，分别从消费需求端和服务业供给端发力，通过给予贷款利息补贴，支持促消费、惠民生。这 一政策"组合拳"，不仅瞄准当前消费市场的痛点堵点，更着眼于构建供需良性循环的长效机制，满足人 民群众日益增长的美好生活需要。 要让政策红利充分转化为市场活力，还要在精准滴灌和有效监管等方面下功夫。一方面，应确保贴息贷 款真正流向提升服务供给能力的消费领域。经办银行须通过合同约定、贷后跟踪等方式，严防资金"脱 实向虚"或被挪作他用。另一方面，相关部门可引导企业将贴息资金优先用于技术改造、人才培训和模 式创新，而不是简单地扩大规模，要让资金真正用在刀刃上。 期待服务业经营主体以高品质供给为引擎，满足广大消费者多样化的需求，有效激发消费市场活力。 （文章来源：经济日报） 更高品质的供给，是释放服务消费潜力的必要因素。服务业经营主体多为中小企业和个体工商户，其经 营受融资成本、信贷支持规模和现金流稳定性等因素影响较大。此次出台的贴息政策，将为经营主体提 供金融支持，推动服务业供给端创新。例如，在健康领域，经营主体能够借助贴息贷款购置更先 ...

Core Viewpoint - The company is focusing on the aging population by investing heavily in the medical and elderly care sectors, aiming to create a professional and caring service system to demonstrate its social responsibility [1]. Group 1: Business Strategy - The company is integrating medical, rehabilitation, nursing, elderly care, and health management services to expand its business boundaries [1]. - The goal is to build a comprehensive ecosystem that combines medical care and elderly support [1].

公益健步走，传递绿色理念与金融知识 为积极响应东营市保险行业协会及总分公司号召，工银安盛人寿东营中支于2025年"7.8全国保险公众宣传日"期间，精心组织开展了以"爱和责任，保险让生 活更美好"为主题的系列活动，传递行业温度，服务市民需求。 2025年7月8日，公司组织员工代表环绕东营市清风湖开展5公里"保险绿色健步走"。参与者高举主题旗帜，沿途向市民发放保险知识手册与反诈指南，并同 步进行垃圾捡拾与分类投放，以实际行动诠释"保险守护美好环境"理念。活动吸引众多市民驻足咨询，工作人员现场解答养老、健康保险等疑问，受到群众 欢迎。 升级暖心驿站，细节彰显人文关怀 公司柜面专区精心设立"保险温暖驿站"，配备爱心专座（带软垫靠背）、老花镜、应急药箱、直饮冷热饮水机及环保水杯。驿站日均服务老年客户、户外工 作者等群体超10人次，收获100%客户满意度，多位市民称赞服务"细节显真情"。 H l la . l s a t 本次活动将保险知识融入生活场景，显著提升了公众认知。工银安盛人寿东营中支表示，将持续秉持"以客户为中心"理念，创新服务形式，深化合规经营， 为东营保险业高质量发展贡献专业力量，切实履行守护美好生活的"爱 ...

Core Viewpoint - China Life Insurance Company (referred to as "China Life") successfully hosted its 19th Customer Festival, emphasizing customer engagement through innovative online and offline activities, enhancing emotional connections with clients [1][10]. Online Activities - The festival featured an "Interstellar Tour" using AIGC technology, creating five interactive "planets" for customers to explore, including games, product information, and live broadcasts [2][4]. - Over 11.06 million customers participated in the online activities, engaging with the "Interstellar Map" to unlock various rewards and experiences [4]. Offline Activities - China Life organized numerous community outreach initiatives across the country, focusing on different demographics, including elderly care, support for special groups, and assistance for high school students during exams [5][6]. - The company conducted over 4,600 offline events nationwide, attracting nearly 700,000 customers, integrating local cultural elements into the activities [7]. Customer Engagement and Innovation - The festival showcased innovative customer appreciation activities, such as collaborative art projects and cultural experiences, enhancing the overall customer experience [7]. - The commitment to customer-centric service continues beyond the festival, with plans for ongoing innovation in service offerings [10].

Core Points - The Supreme People's Procuratorate released four typical cases of illegal fundraising crimes on June 10, highlighting the risks associated with fraudulent investment schemes [1][2] Group 1: Case Summaries - In the case of "Zhou and Li's fundraising fraud and illegal public deposit acceptance," a Shanghai company illegally raised over RMB 50.3 billion from the public between August 2013 and December 2021, with an unpaid amount of over RMB 15.4 billion [1] - The company promoted retirement and travel-related financial products through unauthorized tourism seminars, promising guaranteed principal and fixed returns [1] - In the "Wang and others' fundraising fraud and illegal public deposit acceptance" case, a company created a fake forex trading platform, misleading investors into believing they could earn high returns through real forex transactions, while most funds were used for personal expenses and interest payments [2] Group 2: Investor Warnings - The procuratorial authorities emphasized the importance of risk awareness among investors, advising them to be cautious of promises of high returns and "zero risk" investments [2] - Investors are encouraged to verify the qualifications of companies and consult with professional departments or regulatory agencies when necessary [2] - In case of irregularities such as delayed payments or discrepancies between promotions and actual offerings, investors should cease further investments and retain evidence for potential legal action [2]

Core Viewpoint - The article emphasizes the importance of public awareness and prevention against illegal financial activities, particularly through the dissemination of typical cases of illegal fundraising by the Supreme People's Procuratorate [1]. Group 1: High-Interest Investment Schemes - High-interest investment schemes often disguise illegal fundraising as legitimate online lending, using promises of guaranteed returns and high interest rates to attract investors [2]. - A case involving Zhang and others illegally raised over 2.69 billion yuan, resulting in losses of 1.05 billion yuan for investors, by promoting debt-related financial products with annual returns of 6% to 12.5% [2]. Group 2: Elderly Financial Scams - Scams targeting the elderly, such as "retirement finance" schemes, have emerged, promoting products like "prepaid travel cards" and "retirement apartments" under false pretenses [4]. - A case led by Shen and others illegally raised over 50.3 billion yuan, with unpaid amounts reaching 15.4 billion yuan, by falsely promising guaranteed returns and high-quality services to elderly investors [4]. Group 3: Forex Trading Frauds - Fraudulent forex trading platforms often mislead investors by claiming to offer real forex margin trading, while in reality, funds do not enter legitimate markets [6][7]. - A case involving Wang and others raised over 19.2 billion yuan through a fake forex platform, with unpaid principal amounting to 3.9 billion yuan at the time of the incident [7]. Group 4: Prevention Measures - Investors are advised to verify the qualifications of financial service providers, the authenticity of underlying assets, and the actual use of funds before investing [3][5]. - It is crucial for investors, especially the elderly, to consult with family or professionals and report any suspicious activities to authorities [5].