北京商报讯（记者 胡永新）8月26日，"三亚发布"微信公众号发布信息显示，8月24日，今年第13号台 风"剑鱼"从三亚近海擦过，不少木瓜园遭毁灭性打击。灾情发生后，太保产险海南分公司迅速赴现场查 勘，在三亚金融监管分局、市农业农村局指导下，向种植户汪先生支付4.48万元赔款，完成台风灾后农 业保险"首单"赔付。 ...

2025年已过半程，我国保险业交出了一份稳中有进的"期中答卷"。国家金融监督管理总局公布的最新数 据显示，二季度末保险公司资金运用余额首次突破36万亿元，原保险保费收入保持增长，赔付支出加快 释放，行业综合偿付能力维持在合理区间。 专家表示，在低利率、强监管与新会计准则叠加的背景下，险企既面临资产负债管理的新考验，也迎来 结构调整的战略机遇。无论是资产配置的持续优化，还是保障功能的深入发挥，都折射出行业穿越周期 的韧性与担当。 资产扩容验证增长韧性 截至2025年二季度末，我国保险公司资金运用余额突破36万亿元，达到36.23万亿元，同比增长17.4%。 其中，人身险公司资金运用余额达32.6万亿元，财产险公司为2.35万亿元，均较年初实现稳健增长。二 季度末，保险行业总资产达39.2万亿元。 在负债端，2025年上半年保险公司实现原保险保费收入3.7万亿元，同比增长5.1%，增速较2024年进一 步回暖。其中，人身险业务的复苏尤为显著。过去两年，人身险行业经历定价利率下调、产品结构调整 的阵痛期，保费一度承压。今年以来，分红险、年金险、健康险等产品销售逐步改善，成为保费增长的 主要动力。多位业内人士表示，随 ...

2025年已过半程，我国保险业交出了一份稳中有进的"期中答卷"。国家金融监督管理总局公布的最新数 据显示，二季度末保险公司资金运用余额首次突破36万亿元，原保险保费收入保持增长，赔付支出加快 释放，行业综合偿付能力维持在合理区间。 专家表示，在低利率、强监管与新会计准则叠加的背景下，险企既面临资产负债管理的新考验，也迎来 结构调整的战略机遇。无论是资产配置的持续优化，还是保障功能的深入发挥，都折射出行业穿越周期 的韧性与担当。 资产扩容验证增长韧性 截至2025年二季度末，我国保险公司资金运用余额突破36万亿元，达到36.23万亿元，同比增长17.4%。 其中，人身险公司资金运用余额达32.6万亿元，财产险公司为2.35万亿元，均较年初实现稳健增长。二 季度末，保险行业总资产达39.2万亿元。 总的来看，健康险与长期护理险成增长"主力"。在人身险领域，健康险和长期护理险成为赔付增长的主 要来源。随着人口老龄化趋势加快，慢病群体扩大，健康医疗支出持续攀升，推动健康险赔付不断增 长。同时，部分地方长护险试点逐步进入赔付高峰期，也对寿险公司形成考验。 业内人士透露，为应对以上问题，不少寿险公司通过优化产品结构，强化 ...

Core Insights - The Chinese property insurance industry showed significant growth in the first half of 2025, with non-listed property insurance companies achieving a premium income of CNY 259.49 billion, a year-on-year increase of 7.48% [1] - Net profit for these companies reached CNY 9.255 billion, marking a substantial increase of nearly CNY 4 billion, or 75.21%, compared to the same period last year [1] - The market is increasingly dominated by the top ten property insurance companies, which account for over 60% of total premium income, highlighting a growing head effect [1] Industry Performance - The overall recovery of the property insurance sector is evident, with 76 non-listed companies reporting robust growth in insurance business income and net profits [1] - The differentiation within the market is becoming more pronounced, with some companies, particularly specialized agricultural insurance firms, achieving profitability and maintaining healthy combined cost ratios [1][4] Company-Specific Performance - Notable growth was observed in companies like BYD Insurance and Rongtong Insurance, with premium income growth rates of 1986.57% and 262.28%, respectively [2] - Conversely, companies such as Guotai Property Insurance and Yanzhao Property Insurance faced declines in premium income, indicating intense market competition [2] - Among the 68 profitable insurance companies, only 17 reported net profits exceeding CNY 100 million, showcasing significant internal disparities in profitability [2] Financial Metrics - The top property insurance companies include: - China Life Property Insurance: CNY 59.27 billion in premium income, a 2.57% increase [3] - China United Property Insurance: CNY 41.016 billion, a 3.34% increase [3] - Yingda Taihe Property Insurance: CNY 10.144 billion, a 4.45% increase [3] - The performance of energy and self-insurance companies also varied, with Yingda Insurance reporting CNY 10.53 billion in net profit and a combined cost ratio of 79.42% [5] Market Trends - The property insurance market is diversifying, with various companies demonstrating unique advantages and potential in different sectors [4] - Companies are increasingly required to innovate and optimize their business models to adapt to market changes and consumer demands [4]

太保产险自经营政策性农业保险以来,始终将合规经营、精细化管理放在农险工作首位。近十年来,持续 精进太保e农险创新技术,2024年发布"太保e农险十周年版本",将人工智能、大数据、物联网、区块链等 创新技术引入农业保险实践工作中,提高了农业保险"双精准"能力与服务水平。今年,太保产险全力推进 农业保险"双精准"示范基地建设,为乡村振兴注入强劲动能。 张夫稳 赵云龙 济宁报道 8月15日,中国太平洋财产保险股份有限公司济宁中心支公司(以下简称"太保产险济宁中支")在嘉祥县万 张街道骆堂村举行了济宁市农业保险首个"双精准"示范基地揭牌仪式,标志着全市农业保险迈入"精准投 保、精准理赔"的科技赋能新阶段。 农业保险是服务"三农"的重要金融工具,"精准承保、精准理赔"更是新时代农险高质量发展的核心要 求。2024年中央一号文件明确提出"推进农业保险精准投保理赔,做到应赔尽赔",国家金融监督管理总局 等四部委联合印发的《关于推进农业保险精准投保理赔等有关事项的通知》,为农业保险高质量发展指 明了清晰路径。 太保产险济宁中支积极落实上级公司部署,聚焦农业保险标准化流程、数据共享机制和科技赋能,制定精 准投保精准理赔流程作业 ...

Group 1 - Severe flooding in Beijing's Miyun and Huairou districts has led to significant insurance claims, with a total of 3,448 reports and estimated losses of 80.13 million yuan as of July 30 [1] - The insurance claims include 2,176 vehicle insurance claims with estimated losses of 46.03 million yuan, 165 agricultural insurance claims with losses of 5.38 million yuan, and 905 home insurance claims with losses of 2.89 million yuan [1] - Insurance companies have deployed 1,954 claims personnel and 1,753 rescue vehicles to assist in the disaster response, successfully rescuing 643 vehicles [1] Group 2 - Multiple insurance companies activated emergency response plans to provide rapid assistance to affected individuals, ensuring quick and convenient support for disaster victims [2] - Ping An Property & Casualty initiated a no-difference rescue operation, offering assistance regardless of whether clients had vehicle insurance or were insured by Ping An [2] - A 24-hour claims green channel was established, simplifying claims processes by waiving certain documentation requirements and providing advance payments for vehicle losses [2] Group 3 - PICC Beijing has coordinated with local agricultural and forestry authorities to assess damages from mudslides and landslides, preparing to utilize satellite remote sensing technology for large-scale claims [3] - The company has implemented measures to expedite claims processing for small cases and initiated advance payments for confirmed losses in larger cases [3] - Anhua Agricultural Insurance has proactively contacted farmers to provide claims guidance and disaster response advice, sending out 7,773 warning messages [3] Group 4 - The Beijing Financial Regulatory Bureau encourages consumers to utilize insurance mechanisms for risk prevention, highlighting the importance of various insurance products during flood season [4] - Consumers are advised to read insurance terms carefully and to seek professional assistance when accidents occur during adverse weather conditions [4] - Timely claims applications are emphasized, especially for vehicle loss insurance, which now covers damages from natural disasters like floods [4]

Core Viewpoint - The article emphasizes the critical role of insurance in disaster recovery and risk management, particularly in the context of extreme weather events exacerbated by climate change. Insurance is portrayed as an "invisible capital" that enhances regional resilience and supports economic recovery after disasters [1][8]. Group 1: Insurance Response to Disasters - Following the heavy rainfall in Beijing, insurance companies quickly activated emergency response measures, including establishing on-site claims centers and providing essential supplies to affected areas [3][4]. - As of July 29, 2023, major insurance companies reported thousands of claims related to the flooding, with significant amounts already processed for compensation [2][3]. Group 2: Evolution of Insurance Mechanisms - Insurance is evolving towards a "responsive recovery" model, where companies simplify claims processes and implement mechanisms like pre-claims and fast claims to enhance the recovery experience for affected individuals and businesses [5][11]. - The insurance sector is transitioning from merely providing post-disaster compensation to becoming an integral part of comprehensive risk management that includes pre-disaster planning and real-time response [10][11]. Group 3: Agricultural Insurance Challenges - The article highlights the challenges faced by agricultural insurance due to extreme weather conditions, particularly in key agricultural regions like Henan, which has experienced severe drought and high temperatures [6][7]. - The efficiency of insurance payouts directly impacts the recovery speed of agricultural producers, emphasizing the need for timely compensation to mitigate risks of crop failure [7][8]. Group 4: Public Awareness and Accessibility - There is a noted gap in public awareness regarding the importance of insurance for low-frequency, high-loss risks, as many individuals did not purchase necessary coverage before the recent disasters [14][15]. - Strategies to enhance public understanding of insurance include integrating insurance education into community programs and promoting basic disaster insurance products through government collaboration [14][15].

Group 1 - The event, the 2025 Guangdong Province Second Agricultural Sports Meeting, focuses on reducing losses in mechanized harvesting and showcases smart unmanned farms [1][2] - The event gathered over 40 representatives from various agricultural and research institutions, highlighting the importance of technology in modern agriculture [2] - China Life Property & Casualty Insurance's Zhaoqing branch has established a dual-track agricultural insurance system, investing over 9.5 million yuan in disaster reduction funds [5] Group 2 - The insurance company provided risk protection for over 290,000 farming households in Fengkai County, with a coverage rate exceeding 90% for grain and oil crops [5] - The innovative "insurance + futures" model helped secure 18.65 million yuan in profits for the pig and apricot flower chicken industries, effectively mitigating market fluctuations [5] - The company plans to deepen cooperation and optimize insurance services through technology to enhance agricultural modernization and food security in Guangdong [6]

Core Insights - Guangdong's insurance industry showed strong growth in the first half of 2025, with total assets, premium income, and underwriting profits ranking first in the country, providing substantial financing support and risk protection for the province's economic growth [2][3] Premium Income Growth - As of June 30, 2025, Guangdong's insurance industry total assets reached 2.66 trillion yuan, a 6.36% increase from the beginning of the year [3] - Premium income for the first half of 2025 was 461.6 billion yuan, a year-on-year increase of 5.53%, surpassing the national average by 0.46 percentage points [3] - The performance of floating income dividend insurance was notable, with premium income of 73.4 billion yuan, a significant year-on-year increase of 13.63%, effectively driving overall premium growth [3] Agricultural Insurance Enhancement - The Guangdong Financial Regulatory Bureau, in collaboration with the provincial agricultural and financial departments, issued guidelines to improve agricultural insurance, resulting in risk protection of 137.6 billion yuan in the first half of 2025, a 9.68% increase [4] - In support of "marine ranching," the insurance industry established a co-insurance body, providing risk protection of 1.04 billion yuan for marine ranches, with claims paid amounting to 67.6 million yuan [4] - By the end of June, loans related to modern marine ranching reached 50.1 billion yuan, a year-on-year increase of 19.09% [4] Social Security System Improvement - The Guangdong Financial Regulatory Bureau has been actively enhancing the multi-tiered social security system, with personal pension accounts reaching 16.3 million, and total contributions amounting to 9.658 billion yuan by June 30, 2025 [6] - Health insurance initiatives have provided health risk protection for 690 million people, with a total coverage amount of 169.58 trillion yuan [6] - Rural micro-life insurance has provided risk protection of 1.38 billion yuan to 30,000 low-income rural residents in the first half of 2025 [6] Cross-Border Insurance Services Upgrade - By the end of June 2025, 90,300 vehicles from Hong Kong and Macau benefited from cross-border car insurance, enhancing the convenience of insurance for these vehicles [7] - The insurance companies in the region have registered 43 health insurance products for the Greater Bay Area, providing health risk protection for over 150,000 individuals [7] - The Guangdong Financial Regulatory Bureau aims to promote high-quality development in the banking and insurance sectors to support the province's economic and social advancement [7]

Core Viewpoint - Guangdong Ping An Property & Casualty Insurance has effectively implemented pre-compensation measures and disaster relief efforts in response to Typhoon "Wipha," demonstrating both speed in claims processing and warmth in disaster response [1][5]. Group 1: Pre-Compensation and Emergency Response - As of July 19, the company had already paid out 886,700 yuan (approximately 0.13 million USD) in pre-compensation to 31 aquaculture farmers affected by the typhoon [3][4]. - The company activated its emergency disaster response plan immediately upon the typhoon's approach, coordinating various resources for disaster prevention and mitigation [5][6]. - A total of 990 personnel were deployed for service, with 500 vehicles dispatched for inspections in high-risk areas [35][41]. Group 2: Agricultural Support and Risk Mitigation - The company has provided emergency harvesting services for over 11,400 acres of rice, aiming to reduce losses by more than 500,000 yuan (approximately 0.07 million USD) [10][40]. - In addition to rice, the company has conducted risk assessments and assisted in the harvesting of various fruits, including longan and bananas, covering 5,200 acres of longan and 1,300 acres of other fruits [16][18]. - The company has also utilized drones for monitoring and risk assessment, ensuring timely responses to the agricultural impacts of the typhoon [21][39]. Group 3: Claims Processing and Customer Service - The company has established a "green claims channel" for typhoon-related claims, allowing customers to apply for claims through an online platform, significantly shortening the claims processing time [32][41]. - As of July 21, the company had received a total of 1,203 claims, including 716 vehicle insurance claims and 401 agricultural insurance claims [41][42]. - The company plans to integrate internal and external resources to efficiently advance subsequent claims processing and support post-disaster recovery efforts [42][43].