TSINGHUA Financial Review 清华金融坪论 "十五五"开局保险专栏 TSINGHUA Financial Review 清华全部评论 日总经 C 中意人 人寿保险有限 1.5 "高质量发展"是"十五五"规划的鲜明主题，恰与保险业长期主义的内核深度契合。这不仅为行业的未来指明了方向，也为坚守长期价值的机构 注入了更强的战略定力。 本期《清华金融评论》"保险家论道"专栏，特邀中意人寿总经理刘炳发先生进行深度对话。 作为公司筹备与发展的核心参与者和领导者，刘炳发先生已服务中意人寿二十余年，兼具精算专业背景与国际化管理视野。访谈中，他立足行 业长期规律与全球实践，系统阐释了保险公司如何在复杂周期中构建可持续经营能力、重塑资产负债管理体系，并在服务国家战略中实现自身 高质量发展。其观点既体现精算思维下的风险驾驭能力，也展现战略与治理层面的深层思考，为行业长期经营与价值创造带来重要启示。 《清华金融评论》：国家"十五五"规划将"高质量发展"确立为核心战略导向，这对秉持长期主义的寿险行业而言，意味着更高层次的发展要求。那 么，寿险公司应如何将国家"高质量发展"的战略要求，系统性地内化为自身"穿越周期" ...

Group 1 - The core viewpoint of the articles highlights the significant growth and strategic focus of Taikang Pension in the commercial insurance annuity sector, particularly in the context of the third pillar of personal pensions, which is entering a new stage of comprehensive development [1][2] - By the first quarter of 2025, the new business value of commercial insurance annuities accounted for 63.8% of the company's total, with standard premiums for commercial insurance annuities increasing to 72.3% [1] - The company has successfully attracted over 150,000 personal pension clients by February 2025, positioning itself among the market leaders [1] Group 2 - Taikang Pension's main solution for third pillar personal pension products is a dividend-type insurance that combines safety and profitability, allowing clients to enjoy basic insurance protection while accumulating additional floating dividends for asset growth [2] - The company has established a network of 43 "Taikang Home" elderly care communities across 36 cities, with over 16,000 residents, leveraging its "medical care and wellness" ecosystem to meet the needs of employees in the longevity era [2] - As of the first quarter of 2025, the company's total assets reached 132.5 billion yuan, a year-on-year increase of 24%, with net profit at 346 million yuan and future policy surplus growing by 8.84%, indicating a phase of rapid business development [2]