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既普又惠 好用不贵——中国人寿财险烟台市中心支公司构建普惠保险新生态
Core Viewpoint - The insurance industry plays an irreplaceable role as an economic "shock absorber" and social "stabilizer," contributing to economic stability, social welfare, and modern governance [1] Group 1: Inclusive Insurance Products - The company has developed inclusive insurance products that are accessible, affordable, and sustainable, aiming to create a new ecosystem of "both inclusive and beneficial" insurance [1] - In 2024, the company provided risk coverage exceeding 547.9 billion yuan, serving over 6.5 million customers and making compensation payments of over 7.49 million yuan [1] Group 2: Support for Small and Micro Enterprises - The company focuses on enhancing effective insurance supply for small and micro enterprises, expanding its insurance offerings from traditional credit guarantee insurance to include technology and green insurance [1][2] - An innovative product has reduced the bridge financing cycle from over 20 days to 3-4 days, benefiting 352 small and micro enterprises with 290 million yuan in financing [2] - The company has developed marine insurance products covering over 27,000 acres, providing 68.4 million yuan in risk coverage for aquaculture enterprises [2] Group 3: Social Welfare and Community Support - The company has introduced a wage payment guarantee insurance product for migrant workers, releasing 130 million yuan in guarantee funds for construction enterprises [3] - A special initiative for delivery riders has improved their safety on the road, reducing collision risks [3] - The company has integrated into local social security systems, providing coverage for 12.94 million people with a total annual guarantee amount of 42 million yuan [3] Group 4: Future Outlook - The company aims to enhance inclusive finance through technology-driven risk identification and innovative solutions, transitioning from a single risk compensation model to a comprehensive "prevention-coverage-service" approach [4]