转自：新华财经 中国人寿冀州支公司为中小企业提供全方位、多层次的员工保险支持，助力其实现高质量发展。 中国人寿冀州支公司在河北省2025年"一起益企"中小企业服务行动中，通过保险保障为中小企业提供全 面细致的服务，帮助中小企业解决发展过程中的痛点和难题，促进其健康、稳定、高质量发展。（王文 聪） 员工保障，化解用工风险。中国人寿冀州支公司积极为中小企业提供员工保障相关保险产品，如"员福 保"等，涵盖意外身故、伤残以及意外医疗等多项保障责任，满足不同企业对员工保障的个性化需求。 化解企业用工风险，让企业能够将更多的精力放在生产经营上，减少因员工工伤问题带来的经济压力。 ...

Core Viewpoint - China Life Insurance Company actively responds to national calls, aiming to provide diverse and high-quality financial services to support the high-quality development of the private economy and small micro-enterprises [1][2]. Group 1: Insurance Solutions for Small and Micro Enterprises - The company has developed targeted insurance solutions such as the "Employee Welfare Insurance" series, which covers accidental death, disability, and medical expenses, effectively alleviating economic pressure on enterprises facing accident risks [2][3]. - In Yunnan, the company has served over 6,000 enterprises, providing risk protection for over 450,000 individuals and processing more than 43,000 claims totaling 62.87 million yuan [3]. - In Hainan, the company has insured 2,204 small and micro-enterprise clients, covering 375,500 individuals and providing risk protection exceeding 158 billion yuan [3]. Group 2: Comprehensive Service Models - The company has launched a "Full Cycle Escort Plan" to help private enterprises reduce costs and increase efficiency, offering services such as free cleaning and equipment maintenance [4]. - In Shandong, over 20 enterprises have received free initial setup services, achieving a customer satisfaction rate of 100% [4]. Group 3: Investment in Technology and Innovation - The company invested 1.023 billion yuan in the National Investment (Shanghai) Technology Achievement Transformation Venture Capital Fund, which subsequently invested 600 million yuan in Qi Anxin [8]. - In 2020, the company allocated 3 billion yuan to the National Small and Medium Enterprises Development Fund, which has invested in companies like Hangzhou Yushu Technology [8]. - Qi Anxin is a leader in the enterprise-level cybersecurity market, while Hangzhou Yushu Technology specializes in high-performance robots, contributing to various sectors including agriculture and public rescue [8]. Group 4: Support for Private Enterprises - The company emphasizes its role in supporting the private economy and strategic emerging industries through equity investments and partnerships with quality private enterprises [9]. - It has provided funding support to numerous private enterprises, including Ningde Times, BYD, Meituan, Alibaba, and Xiaomi, facilitating industrial upgrades and high-quality development [9].

Core Viewpoint - The recent private enterprise symposium signals strong national support for the private economy, guiding the insurance industry on how to better serve its development [1] Group 1: Support for Private Economy and SMEs - China Life Insurance Company aims to leverage its role as an economic stabilizer and social stabilizer to provide diverse and high-quality financial services to the private economy and small and micro enterprises [1] - The company has innovated products and services to support the growth of private enterprises, including the "Employee Welfare Insurance" series, which covers accidental death, disability, and medical expenses [2] - In 2024, the company served over 6,000 enterprises, providing risk protection for over 450,000 employees, with a total claim amount of 62.87 million yuan [2] Group 2: Risk Management Solutions - In Hainan, the company focuses on developing group health insurance and accident insurance for small and micro enterprises, providing comprehensive risk management solutions [3] - In 2024, the company insured 2,204 small and micro enterprise clients, covering 375,500 individuals, with total risk protection exceeding 158 billion yuan [3] Group 3: Innovative Service Models - The company has introduced a "Full Cycle Escort Plan" to help private enterprises reduce costs and improve efficiency, offering services such as cleaning and equipment maintenance [4] - In Shandong, over 20 enterprises have received free initial cleaning services, achieving a customer satisfaction rate of 100% [4] Group 4: Investment in Private Economy - China Life Insurance Company has invested 3 billion yuan in the National SME Development Fund, holding an 8.39% partner share [6] - The company has supported various private enterprises, including NIO, BYD, Meituan, Alibaba, and Xiaomi, through equity investments to facilitate industrial upgrades and high-quality development [6] - The company emphasizes its commitment to supporting national strategies and the real economy through market-oriented operations [6]

Core Viewpoint - The insurance industry plays a crucial role in supporting the development of the private economy by providing diversified risk protection and funding solutions, which is essential for both economic growth and the industry's own development [1][3]. Group 1: Product Innovation - The insurance industry is actively innovating products to meet the diverse insurance needs of private enterprises, including customized products like "Employee Welfare Insurance" for SMEs and specialized insurance for various sectors such as automotive repair and catering [2][3]. - Insurance companies are developing a comprehensive product service system tailored to the characteristics of different industries within the private economy, addressing their unique insurance demands [2][3]. Group 2: Support for Technological Innovation - Private enterprises are key players in technological innovation, but they face complex risks that require tailored insurance solutions throughout their lifecycle [3][4]. - Insurance companies are establishing a risk protection system for technology enterprises, including specialized insurance for first-time technology equipment and new materials, as well as knowledge property risk assessment models [3][4]. Group 3: Financial Support - Insurance funds provide long-term and stable financial support to private enterprises through equity and bond investments, helping to alleviate financing difficulties [5][6]. - Several insurance companies have initiated large-scale funds to support private enterprises in various sectors, including technology and health care, with significant capital commitments [5][6]. Group 4: Collaboration and Policy Support - The insurance industry is enhancing collaboration with government and banking sectors to create a "government-bank-insurance" model, facilitating resource allocation to private enterprises [6]. - The financial regulatory authority is promoting policies to support financing for small and private enterprises, aiming to stabilize the economy and enhance the overall financial ecosystem [6].

Core Viewpoint - The insurance industry plays a crucial role in supporting the development of the private economy in China by providing tailored risk management solutions and financial support to meet diverse needs [1][2][3]. Group 1: Insurance Product Innovation - The insurance industry is actively innovating products to meet the specific insurance needs of private enterprises and their employees, such as customized accident insurance for small and micro enterprises [2]. - Various specialized insurance products have been developed to cater to different sectors, including auto repair, renovation, and catering, addressing the unique risks faced by these industries [2]. - The insurance sector is expanding its product offerings to include export credit insurance and logistics service insurance, thereby supporting foreign trade enterprises [2]. Group 2: Comprehensive Support for Private Economy - The insurance industry provides comprehensive support to the private economy by offering risk protection, innovative insurance products, and financing enhancement services [3]. - Insurance companies are establishing a risk protection system that covers the entire lifecycle of technology innovation enterprises, addressing the complex risks associated with technological advancements [3][4]. - The industry is focusing on developing insurance products for emerging fields such as intelligent connected vehicles, robotics, and digital economy, indicating a strong growth potential for technology insurance [4]. Group 3: Financial Support and Collaboration - Insurance funds are characterized by long terms and large scales, providing stable financial support to private enterprises through equity and bond investments [4][5]. - Collaborative models between insurance companies, government, and banks are being established to facilitate resource allocation towards private enterprises, including risk compensation funds and interest rate subsidies [6]. - In the first four months of the year, the banking and insurance sectors provided approximately 17 trillion yuan in new financing to the real economy, highlighting the significant financial contributions of these industries [6].