近日，由金融界主办的"启航•2025金融年会"暨金智奖颁奖盛典在北京举行。中荷人寿保险有限公司凭 借其卓越的经营管理能力、扎实的企业社会责任实践以及在行业转型中的杰出表现，荣膺"杰出寿险公 司"奖项。这一荣誉不仅代表了业界与媒体对中荷人寿过去一年卓越成就的高度肯定，更是对其长期坚 持高质量发展路径的权威认可。 面对数字经济的蓬勃浪潮，中荷人寿深刻洞察科技与保险融合的大趋势，推动"保险+科技"深度融合， 致力于打造更便捷、智能、个性化且有温度的服务新生态。公司围绕"一个中心、二套体系、三张网 络、四个群体"的整体思路，系统化推进康养服务能力建设。通过搭建"荷护健康"综合服务平台，为客 户提供涵盖健康管理、就医协助、康复照护、旅居养老等40余项服务，累计服务客户已超过15.2万人 次。同时，公司持续优化全流程线上服务，构建覆盖保单全生命周期的数字化服务链，核心业务环节智 能化水平显著提升，核保自动通过率达84.75%，线上保全与理赔使用率分别91.3%和87%，真正实现 了"让数据多跑路，让客户少奔波"。 履行担当，以社会责任回馈时代期许 中荷人寿一直坚信企业的长远价值源于对经济绩效与社会责任的平衡担当。公司坚守 ...

Core Insights - The Chinese asset management industry is at a critical juncture of scale and paradigm shift, influenced by the integration of AI technology and a market size exceeding 32 trillion yuan [1] Group 1: Industry Challenges and Transformations - The industry faces structural issues characterized by "high savings, financing difficulties, and asset scarcity," necessitating a shift from product sales to client-centric services and from homogeneous competition to professional empowerment [1][4] - Wealth management must transition towards multi-asset and theme-based investments to adapt to changing economic conditions, including declining deposit yields and real estate value [3][4] - The asset management sector is urged to enhance its service capabilities, focusing on risk management, client engagement, and creating a diversified investment ecosystem [4][5] Group 2: Key Insights from Industry Leaders - Wang Zhongmin emphasized the need for asset management institutions to adopt multi-asset strategies and capitalize on AI-related industries to enhance risk resilience and returns [3] - Yang Zaiping highlighted the importance of moving away from traditional product sales to comprehensive service solutions that meet client needs, while also improving the risk-return matching of financial products [4] - Industry representatives noted the necessity for collaboration and resource sharing to build a healthy ecosystem that supports economic growth and wealth distribution [6][7] Group 3: Market Trends and Future Outlook - The report indicates that the asset management industry is entering a new phase focused on high-quality development, driven by regulatory guidance and a return to core principles of client asset management [5] - The insurance sector is positioned to play a crucial role in wealth management by providing stability through various insurance products, addressing the long-term needs of clients [7] - The shift in asset allocation from deposits to financial assets is accelerating, with increasing market activity in the A-share market, indicating a new development pattern in wealth management [8]

一、顶层设计：政策引领+监管重构 不只是过去5年，即便是在整个中国金融历史进程中，2023年都是至关重要的一年。这一年，银保监会 成为历史，国家金融监督管理总局正式成立，确立了"一行一局一会"金融监管新格局。 这场改革绝非简单的机构撤并与职能划转，而是中国金融监管理念、监管模式的根本性重塑。它彻底打 破了过去以机构属性为边界的监管分割，实现了从"机构监管"向"功能监管"的深刻转型，监管视角穿透 业务表象直抵风险本源，监管力度从"表面合规"向"实质风险管控"全面升级。 这一变革不仅理顺了跨领域、跨市场金融业务的监管权责，更以专业化、权威化的监管架构，清除了行 业发展中的体制性堵点，为保险业乃至整个金融业的规范健康发展筑牢了制度根基。 曾国军｜文 2021-2025年，注定是中国保险业发展史上具有重要意义的五年。 这五年，中国保险业站在"金融强国"战略的历史节点上，完成了从规模扩张到价值重塑的关键跨越。当 前，中国已是全球第二大保险市场，行业面临的不再是"做大"的焦虑，而是"做强"的拷问：如何在利率 下行周期中守住利差损风险底线？如何将保险功能从经济补偿升维至社会稳定器？又如何在科技革命浪 潮中重塑核心竞争力？ ...

"惠民保"覆盖15个州（市） 为提升金融服务的直达性和便利性，云南创新建立一系列工作机制。例如，建立重大产业项目"融资供 需对接协调工作机制"，截至11月末，已为914个项目提供授信3506.34亿元。建立"小微企业融资协调工 作机制"，累计走访经营主体超600.74万户，发放贷款2321.46亿元。 同时，强化省级金融基础设施"融信服平台"功能，通过数据共享破解银企信息不对称，目前平台注册企 业182万家，累计促成银行授信5600亿元。 12月19日，云南省"高质量完成'十四五'规划"系列新闻发布会·金融专场在云南海埂会堂举行。省委金融 办、中国人民银行云南省分行、国家金融监督管理总局云南监管局、中国证券监督管理委员会云南监管 局等部门负责人出席发布会，全面介绍"十四五"期间云南金融高质量发展的工作情况与成效。 全省银行业机构资产超6万亿元 "十四五"期间，云南金融综合实力迈上新台阶。截至2025年11月末，全省共有银行业机构223家，资产 规模6.38万亿元、"十四五"以来增长33%；保险机构45家，资产规模2036.63亿元、"十四五"以来增长 58%；证券期货法人机构4家，资产规模807.91亿元、" ...

冬日的北京，一场关于"钱"的对话温暖呈现。 12月11日，2025年度北京商业品牌大会金融消费专题论坛在北京召开。论坛期间举行了题为"居民财富 迁徙与牛市下财富'前景'"的圆桌对话，工银理财市场营销部总经理宋禹君、 中信建投（601066）证券 财富委副主任李响、嘉实财富副总经理邝霞、北京人寿总精算师邵宁等人围绕存款搬家等热点话题展开 讨论。 邵宁还称，在基础保障配置完善的前提下，家庭可以结合生命周期、资产结构及负债情况等因素进行匹 配长期规划的保险配置。有一定经济实力的中年期家庭，保费比例可提升至12%—15%，配置"保证+浮 动"理财类寿险产品，匹配子女教育、养老规划。进入老年期后，建议侧重配置一些能够提供稳定现金 流的保险产品，如养老年金保险，确保晚年生活有稳定的经济来源。 在圆桌讨论中，来自金融机构的嘉宾还分享了他们在实践中如何应对挑战、引导客户走向理性。中信建 投证券财富委副主任李响介绍，目前中信建投证券有三方面做法。一是重点打造"灵犀平台"，为整个服 务体系构建一个强大的"智能大脑"；二是全面升级"优问系统"，构建"智能+人工"融合的客户服务响应 机制。三是探索建设"普惠中心"，构建长尾客群的集约 ...

针对老年客户占比较高的情况,建行德州电厂支行从细节入手推进服务设施适老化改造:网点设置大字号 叫号屏,配备老花镜、急救药品等便民物资,无障碍通道畅通便捷,各类标识清晰醒目,为老年人营造安全、 舒适的业务办理环境。 对于行动不便、无法亲临网点的老年客户,建行德州电厂支行提供上门服务,涵盖密码重置、银行卡挂失 等高频业务,真正实现"服务多跑路,群众少跑腿"。在办理遗产继承等复杂业务时,工作人员不仅耐心指导 流程,更注重情绪安抚,体现金融服务的温度。 在智能服务方面,建行德州电厂支行网上银行、手机银行及智慧柜员机均上线"长辈模式",界面更简洁、 字体更清晰、操作更便捷,并辅以语音引导,助力老年人轻松跨越"数字鸿沟"。同时,该行定期组织开 展"银发课堂"、反诈宣传等活动,结合真实案例揭秘常见骗局,增强老年客户风险防范意识。 在养老金融规划方面,建行德州电厂支行整合个人养老金账户、养老年金保险、家族信托等多元化产品, 提供覆盖稳健储蓄、医养结合等需求的综合解决方案,助力市民科学规划晚年生活,安享金色年华。 建行德州电厂支行表示,将持续推进养老服务能力建设,以专业、安全、便捷的金融服务,陪伴老年人温暖 前行,为"老有所养 ...

"在基础保障配置完善的前提下，可以结合生命周期、资产结构及负债情况等因素进行匹配长期规划的保险配置。有一定经济实力的中年期家庭，保费比例 可提升至12%—15%，配置'保证+浮动'理财类寿险产品，匹配子女教育、养老规划。例如分红型终身寿险，保证部分有固定的保险金给付和现金价值，分红 部分可以分享寿险公司经营成果，具备一定的收益上行空间。进入老年期后，建议侧重配置一些能够提供稳定现金流的保险产品，如养老年金保险，确保晚 年生活有稳定的经济来源。"邵宁表示。 16 25 ■ + - ■ Banne Fina == 北京商报讯（记者 胡永新）12月11日，由中外企业文化、北京商报社主办的2025年度北京商业品牌大会金融消费专题论坛在北京召开。在以居民财富迁徙 与牛市下财富"钱景"为主题的圆桌论坛环节，北京人寿保险股份有限公司总精算师邵宁就家庭保险资产配置给出建议。邵宁表示，家庭所面临的风险大致可 分为损失性风险和财务性风险两类。损失性风险主要包括意外伤害、重疾、身故等基础且亟待转移的风险；财务性风险则包括资产支出风险和资产归属风 险，例如家庭大额开支、养老规划、教育规划等提前安排，家庭保险配置应该以"先保障基础风险 ...

Core Viewpoint - The article highlights the recognition of ICBC-AXA Life Insurance for its "Elderly Ecosystem Construction Project," which won the "2025 Insurance Industry Pension Financial Practice Ark Award," emphasizing the company's commitment to innovative pension financial services [1][3]. Group 1: Award and Recognition - The "Ark Award" is one of the most influential and reputable evaluations in the financial media, focusing on high-quality development and service to the real economy [3]. - ICBC-AXA Life's repeated award is a recognition of its deep engagement and innovative breakthroughs in the pension finance sector [3]. Group 2: Product Innovation - ICBC-AXA Life focuses on the elderly insurance market, continuously innovating its product supply to create a diverse product matrix that includes pension annuity insurance, whole life insurance, and exclusive commercial pension insurance [3]. - The company has launched new health insurance products, such as "Filial Piety Insurance" for cancer prevention and "Long-term Care Insurance," complementing its commercial pension products [3]. Group 3: Service Solutions - The company introduced the "Shenghua Year" service, which offers a comprehensive elderly care solution focusing on family and professional medical care, providing 31 services including health consultations and hospitalization assistance [4][5]. - The "Shenghua Year" service has received positive feedback, exemplified by a customer from Guangxi who praised the one-on-one nursing assistance during her father's hospitalization, highlighting the service's professional value and humanistic care [4]. Group 4: Integration of Services - By integrating pension insurance products with the "Shenghua Year" service system, ICBC-AXA Life has achieved a seamless combination of pension protection and real elderly care services, enhancing customer support in the face of an aging population [7].

Core Insights - The release of the "2025 Experience Life Table" by the China Actuarial Association aims to scientifically reflect the actual risk status in the life insurance industry, enhancing risk management levels [1][2] Summary by Sections Importance of the Life Table - The experience life table is crucial for insurance institutions as it serves as a foundational infrastructure for pricing, reserve assessment, and cash value calculations, ensuring the stable operation of the industry [1] Background and Need for Update - The previous life table, published in December 2016, was effective in promoting scientific pricing and improving risk prevention in the insurance sector. However, changes in life expectancy and mortality rates necessitated an update to better reflect current risks [2] Key Outcomes of the New Life Table - The new life table includes three main achievements: 1. A newly compiled experience life table that reflects the latest mortality experience of the insured population, providing a scientific reference for pricing and preventing systemic risks [3] 2. The first compilation of a single life table based on individual identification numbers, enhancing comparability with population mortality rates [3] 3. A comprehensive summary of project outcomes, including reports and educational materials aimed at various audiences [3] Impact on Insurance Products - The introduction of the new life table is expected to lead to lower pricing for term and whole life insurance products, while potentially increasing pricing for annuity products [2]

Group 1 - The core viewpoint of the articles emphasizes the importance of integrating health management with financial planning, as health investment becomes a consensus among the public [1][2] - CITIC Bank launched the "Time of Trust: Health Season" online event to address health and wealth management concerns, focusing on scientific weight loss and financial planning [1] - The bank plans to continue its "Time of Trust" series with future events covering workplace health, medical insurance, and rehabilitation, aiming to provide professional healthcare services to clients [1] Group 2 - CITIC Bank has established itself as a pioneer in pension finance, continuously upgrading its "Happiness+" pension financial service system based on a full lifecycle concept [2] - The bank introduced the "Happiness+" pension ledger, utilizing big data algorithms for visual and actionable pension planning, including financial and non-financial asset aggregation [2] - To address the limitations of medical insurance reimbursement, CITIC Bank enhanced the medical health module of the pension ledger, advocating for a comprehensive health protection strategy [2]