接下来，人保财险将继续深化种业保险产品创新，扩大保障覆盖面，为保障国家粮食安全持续贡献 保险力量。 此前，人保财险海南分公司深入调研种业科研痛点，签署海南省首单"农业育种项目研发中断保 险"保单，为《高不饱和脂肪酸甜玉米新品种培育及示范推广》项目提供10万元风险保障，旨在为科研 机构和企业的"创新火种"保驾护航，解除他们的后顾之忧。 保单签署仅10天之隔，台风"剑鱼"便突袭海南，对承保项目的育种材料造成严重损害。灾情发生 后，人保财险立即启动大灾应急预案和专属快速理赔通道，专业团队第一时间赶赴现场查勘定损，执行 手续、资料从简，现场收集资料后，迅速足额赔款2万元支付到位，为育种项目的顺利推进保驾护航。 海南日报讯(海南日报全媒体记者 王培琳 通讯员 朱建)台风"剑鱼"后，海南南部多地受损，面对 汛后重建关键时期，人保财险海南省分公司进一步简化赔付程序，助力企业复工复产，于8月28日完成 了海南省首单"农业育种项目研发中断保险"保单的赔付。 据介绍，"剑鱼"台风过后，人保财险海南省分公司快速明确本次台风导致的赔案全部按快赔流程处 理，采用边查勘、边定损、边公示、边支付的方式，同时免气象证明、免发票，对投保企财险 ...

Group 1: Bond Connect Southbound Expansion - The People's Bank of China and the Hong Kong Monetary Authority announced the expansion of the Southbound Bond Connect mechanism to include non-bank institutions such as brokerages, funds, insurance, and wealth management firms, providing new channels for insurance capital to invest abroad [1][2] - Since its launch in September 2021, the Southbound Bond Connect has seen a significant increase in the scale of custodial bonds from 5.5 billion to 532.9 billion yuan by May 2025, but participation from non-bank institutions was previously limited [2] - The expansion allows insurance capital to allocate overseas assets more efficiently, moving away from the traditional reliance on QDII quotas, which currently stand at 38.9 billion USD, with overseas investment accounting for less than 2% of total assets [2] Group 2: Yield Improvement Driven by Interest Rate Differentials - Domestic insurance companies face dual pressures of low interest rates and asset shortages, with the average net investment yield for listed insurers at 3.5% in 2024, down 0.2 percentage points year-on-year [3] - In contrast, yields in the US and Eurozone bond markets are significantly higher, with the US 10-year Treasury yield at 4.34% and the Eurozone at 3.24%, compared to a traditional life insurance product rate of 2.5% in China [3] - The Southbound Bond Connect expansion enables insurance capital to flexibly allocate to multi-currency bonds, alleviating interest margin pressure and enhancing long-term yield stability [3] Group 3: Deepening Market Connectivity - The Southbound Bond Connect has an annual quota of 500 billion yuan and a daily limit of 20 billion yuan, providing a "pressure relief valve" for domestic bond market demand while attracting medium to long-term funds to the Hong Kong market [4] - The participation of non-bank institutions is expected to enhance liquidity in the offshore RMB bond market and strengthen Hong Kong's position as an international financial center [4] - Industry insiders anticipate further optimization of derivative tools and settlement mechanisms to improve risk management capabilities for insurance capital [4] Group 4: Agricultural Insurance Innovation - The "insurance + futures" model has gained international recognition, with a project in collaboration with Cargill and the World Food Programme demonstrating a 7%-10% increase in corn yield and over 30% water savings, alongside significant compensation payouts [5] - The introduction of the first agricultural breeding project interruption insurance by PICC fills a gap in risk coverage for long-cycle and high-uncertainty agricultural breeding projects, creating a comprehensive insurance system that supports agricultural technology enterprises [6] - Regulatory guidance and technological integration are driving agricultural insurance innovation, with a focus on precise pricing and data-driven approaches to support rural revitalization strategies [7] Group 5: Overall Industry Outlook - The insurance industry is experiencing breakthroughs on both the asset and liability sides, with the Southbound Bond Connect expansion opening up global allocation opportunities and technological innovations enhancing service capabilities for the real economy [7] - The release of policy dividends and the improvement of market mechanisms are expected to lead to valuation recovery and long-term growth potential in the insurance sector [7]