近日召开的中央经济工作会议要求，引导金融机构加力支持扩大内需。为贯彻落实相关决策部署， 日前，商务部、中国人民银行、金融监管总局联合印发《关于加强商务和金融协同 更大力度提振消费 的通知》（以下简称《通知》），为金融与商务领域的协同发力指明方向。 "保险在扩内需、促消费环节大有可为。"首都经济贸易大学农村保险研究所副所长李文中在接受 《金融时报》记者采访时表示，保险业可以在消费侧、投资侧共同发力。一方面，通过创新产品和服务 释放居民消费潜力，提升消费能力，激活消费新业态；另一方面，充分发挥险资耐心资本的作用。 助力扩大服务消费 《通知》提出"发展商业保险年金、商业健康保险、意外伤害保险等保险产品"。"该政策指向消费 侧，旨在构建全面的个人与家庭风险保障网，以稳定预期、提升消费意愿。"李文中表示，保险可以提 升城乡居民"敢消费"的底气。 责任编辑：袁浩 支持消费新业态建设 首发经济、绿色消费、健康消费、数字消费……近年来，各式各样的消费新场景新业态层出不穷， 为消费市场注入了澎湃动能。为此，《通知》提出"集成融资、结算、保险等综合金融服务，支持消费 新业态新模式新场景建设"。 李文中表示，这一表述体现了金融协同 ...

登录新浪财经APP 搜索【信披】查看更多考评等级 来源：中国人民银行福建省分行 为深入贯彻落实《国务院办公厅关于做好金融"五篇大文章"的指导意见》，持续推进科技金融、绿色金 融、普惠金融、养老金融、数字金融"五篇大文章"在闽落地实践，近日，中国人民银行福建省分行、福 建省委金融办联合牵头福建省发改委、科技厅、工信厅、民政厅、财政厅、商务厅、市场监管局、福建 金融监管局、福建证监局制定印发了《福建省金融"五篇大文章"工作方案》（以下简称《方案》），从 加强科创与战略性新兴产业金融支持、深化绿色金融、完善普惠金融体系、加大养老金融供给、推进数 字金融高质量发展、加强实施保障等六个方面，提出十八条具体举措。 围绕加强对科技创新与战略性新兴产业金融支持，《方案》提出，要持续推进"科创兴闽 '银'领开篇"专 项行动，深入实施科技金融增量扩面降本、产品服务创新、专营机构建设三大工程，推动信贷规模稳中 有增。提升金融服务质效，拓展投贷联动模式，建立健全科技创新债券发行支持机制，积极培育科技型 企业上市后备资源。完善知识产权评估、流转体系建设，激活知识产权质押担保价值。 围绕深化绿色金融支持绿色低碳和转型发展，《方案》提出， ...

Core Viewpoint - The "14th Five-Year Plan" has set a direction for financial institutions, including insurance companies, to achieve high-quality development, emphasizing the importance of reform and innovation in the insurance industry [1][2]. Industry Opportunities - The insurance industry is poised to benefit from four strategic opportunities: 1. **Pension Finance Opportunity**: The aging population and the continuous release of policy dividends for the third pillar of pension will drive the integration of long-term insurance products with health and wellness services [3]. 2. **Health Insurance Opportunity**: The advancement of the Healthy China strategy and deepening of medical insurance reforms will expand the market for commercial health insurance [3]. 3. **Wealth Management Opportunity**: Insurance products, due to their stable long-term value appreciation and inheritance functions, will become more attractive for wealth management [3]. 4. **National Strategy Service Opportunity**: Insurance funds can support the real economy and strategic emerging industries, focusing on intelligent, green, and integrated development [3]. Company Strategy - The company is committed to the "Big Insurance Concept" and aims to strengthen its position as a state-owned financial enterprise by implementing the "New Ten Policies" of the insurance industry [3]. - The strategic direction includes a customer-centric approach, emphasizing team development and employee partnership [3]. Reform and Development - The company will focus on systematic, professional, and market-oriented reforms, enhancing the "insurance + investment + service" model [4]. - It aims to be a "guardian" of customer service by diversifying its insurance product offerings to meet the full lifecycle needs of customers [4]. Financial Support and Investment - The company plans to leverage its long-term capital advantages to support technological innovation, green transformation, and inclusive finance [5][6]. - Investments in technology sectors such as semiconductors and AI are prioritized, with a target investment balance exceeding 90 billion yuan by Q3 2025, reflecting a 20% year-on-year increase [5]. - In green finance, the company has invested over 100 billion yuan in clean energy and environmental protection projects by Q3 2025 [6]. Health and Pension Services - The company is enhancing its product offerings in health and pension sectors to address the growing societal needs, including innovative solutions for elderly care and integrated health services [7][8]. - It is actively participating in the construction of a multi-tiered pension system, focusing on enterprise annuities and personal pension products [8]. Governance and Leadership - The company emphasizes the importance of high-quality party leadership to guide its development, ensuring alignment with national policies and reforms [9][10]. - A focus on political construction and strict governance is intended to foster a positive political ecology and drive reform [10].

12月14日，商务部官网显示，商务部、央行、金融监管总局联合印发《关于加强商务和金融协同更大力 度提振消费的通知》。其中提到，要扩大服务消费。丰富适合小微企业的金融产品，发展商业保险年 金、商业健康险、意外伤害险等保险产品，提高金融对服务消费的适配性，促进优化服务供给。创新多 元化消费场景，集成融资、结算、保险等综合金融服务，支持消费新业态新模式新场景建设。 ...

多重因素下，保险股"更上一层楼"。12月15日，A股三大股指低位震荡，保险板块逆势走强。截至北京 商报记者发稿，A股保险板块中，中国平安一度涨超5%，中国太保、中国人保、新华保险、中国人寿 也表现出不错的涨势。实际上，保险股的上涨并非昙花一现，今年以来保险股迎来复苏。业内预测，在 资本市场整体回暖、资产端利好消息不断以及负债端转型推进等多重因素作用下，保险股有望继续抬 升。 12月15日，保险股集体飘红，作为板块风向标之一的中国平安涨幅一度超过了5%，领涨保险股，中国 人保、中国人寿、新华保险和中国太保跟涨。 保险股逆势上涨背后，近期保险业利好消息不断。12月14日，商务部、中国人民银行、金融监管总局联 合印发《关于加强商务和金融协同更大力度提振消费的通知》提出，发展商业保险年金、商业健康保 险、意外伤害保险等保险产品，提高金融对服务消费的适配性，促进优化服务供给。 此外，12月5日下午，金融监管总局发布《关于调整保险公司相关业务风险因子的通知》，将保险公司 持仓时间超过三年的沪深300指数成分股、中证红利低波动100指数成分股的风险因子从0.3下调至0.27； 持仓时间超过两年的科创板上市普通股的风险因子从 ...

Core Viewpoint - The recent notice issued by the Ministry of Commerce, the People's Bank of China, and the Financial Regulatory Administration aims to strengthen the collaboration between commerce and finance to boost consumer spending and enhance financial support for consumption [1]. Group 1: Financial Support for Consumption - Local governments are encouraged to collaborate with financial institutions to develop specialized work plans and enhance communication mechanisms, thereby increasing financial supply in the consumption sector [1]. - Financial institutions are urged to partner with platforms and key merchants to improve payment services such as installment payments, credit cards, mobile banking, and digital RMB, catering to consumer upgrade demands [1]. - The notice emphasizes the need to expand the customer base while ensuring compliance and risk control, particularly targeting "long-tail" customers to enhance accessibility and convenience [1]. Group 2: Promotion of Consumption Policies - The notice calls for the utilization of both commerce and finance channels to promote existing financial support measures for consumption, encouraging enterprises and consumers to fully leverage policy benefits [1]. - Financial consumer rights protection is highlighted, guiding consumers towards rational borrowing and consumption [1]. Group 3: Focus on Key Consumption Areas - There is a push to enhance financial services for durable goods and digital products, aiming to unlock potential in product consumption upgrades [4]. - The notice encourages the development of financial products and services tailored to service consumption sectors such as home services, hospitality, entertainment, education, tourism, and elderly care [5]. - New consumption models, including green consumption and digital consumption, are to be supported through innovative financial services that align with local conditions [6]. Group 4: Integration of Financial Services - The integration of financing, settlement, and insurance services is encouraged to support new consumption scenarios and enhance the financial backing for various commercial activities [7]. - Financial institutions are urged to actively participate in local consumption promotion activities organized by business authorities [8].

Core Viewpoint - The insurance sector has shown strong performance against the market trend, driven by favorable policies, improved industry fundamentals, and positive institutional outlooks, leading to a valuation recovery [5]. Group 1: Market Performance - The insurance industry index rose approximately 5%, closing up 4.31%, making it the top-performing sector [1]. - The total market capitalization of the five major insurance companies reached approximately 3.50 trillion yuan, an increase of about 106.43 billion yuan from the previous trading day [2]. - China Ping An led the gains with a rise of 4.96%, closing at 67.08 yuan per share, marking a four-year high for both A-shares and H-shares [2][3]. Group 2: Policy Impact - On December 5, the National Financial Regulatory Administration announced adjustments to risk factors for certain insurance company businesses, which is expected to guide long-term investments and stabilize the capital market [5]. - The adjustments are projected to release a minimum capital of approximately 19.8 billion yuan, potentially bringing about an additional 72.6 billion yuan in funds if fully allocated to stock investments [5]. Group 3: Industry Fundamentals - As of November 30, China Life reported total premiums exceeding 700 billion yuan, raising market expectations for the insurance industry's annual performance [6]. - The reduction in preset interest rates and the transformation of dividend insurance are expected to optimize the liability costs for the insurance industry [6]. Group 4: Analyst Outlook - Several international investment banks and domestic brokerages have recently issued reports favoring insurance stocks, raising target prices and providing positive ratings [7]. - Morgan Stanley included China Ping An in its key focus list, raising its target price for A-shares to 85 yuan and H-shares to 89 Hong Kong dollars [7]. - Analysts predict that the life insurance industry will enter a golden development period by 2026, with a shift in investment logic towards growth potential [7].

记者丨曹媛 编辑丨孙超逸 | 证券代码 | 证券简称 | 涨跌幅 | 收盘价 | 总市值 | | --- | --- | --- | --- | --- | | | | [单位] % | [单位] 元 | [单位] 亿元 | | 601318.SH | 中国平安 | 4.9601 | 67.08000 | 12.146.6063 | | 601319.SH 中国人保 | | 2.8070 | 8.79000 | 3,887.2888 | | 601336.SH | 新华保险 | 2.5995 | 69.07000 | 2,154.6708 | | 601601.SH 中国太保 | | 3.5042 | 39.58000 | 3.807.7311 | | 601628.SH | 中国人寿 | 1.5673 | 46.01000 | - 13.004.5908 | （记者曹媛/制图） 今日保险股逆势走强，核心是政策利好释放、行业基本面改善、机构看好助推估值修复等 多重因素共振。 消息面上，12月5日，国家金融监管总局发布《关于调整保险公司相关业务风险因子的通 知》，调整了保险公司部分业务的风险因子： 一是持仓时间 ...

Core Viewpoint - The recent Central Economic Work Conference emphasizes the need for financial institutions to enhance support for expanding domestic demand, with a focus on boosting consumption through coordinated efforts between business and finance [1]. Financial Support for Key Consumption Areas - Financial support will be increased for key areas of consumption, including upgrading product consumption, expanding service consumption, and fostering new types of consumption [2][3][4]. - Financial institutions are encouraged to collaborate with platforms and key merchants to improve payment services and better meet consumer needs for upgrading products [5]. - Personal consumption loans will be developed with differentiated policies on amounts, terms, and interest rates based on customer creditworthiness [5]. Collaboration Between Business and Finance - Local business departments and financial management departments are urged to strengthen communication and collaboration to address challenges in implementing financial support for consumption [9]. - Financial institutions are encouraged to develop specific action plans and implement policies to support consumption [9]. - The integration of financial support with local consumption promotion activities is encouraged to stimulate consumer potential [9]. Innovation in Financial Products and Services - Financial products and services will be innovated to better fit the characteristics of service consumption, including sectors like hospitality, entertainment, and education [12]. - New financial services will be developed to support emerging consumption trends such as green consumption, digital consumption, and AI-driven consumption [13]. - Financial institutions are encouraged to create tailored financial products for rural areas and support local consumption initiatives [10][14]. Promotion of Consumption Activities - Financial institutions are encouraged to actively participate in local consumption promotion activities and develop specialized products to reach more consumers [15]. - The use of digital currency and smart contracts is promoted to enhance the efficiency of consumption subsidy policies [15]. - Collaboration between financial institutions and merchants is encouraged to develop financial products that cater to the unique needs of the consumption industry [15]. Enhancing Rural and County-Level Consumption - Financial services will be tailored to support rural consumption and promote the sale of agricultural products [10]. - Financial institutions are encouraged to provide financing for logistics and distribution centers in rural areas to enhance local commerce [10]. - Support for county-level consumption initiatives will be provided through credit support for local promotional activities [10].

12月15日，A股三大股指低位震荡，保险板块逆市走强。截至下午收盘，A股保险板块中，中国平安 （SH601318）、中国太保（SH601601）涨幅均超3%，中国人寿（SH601628）、中国人保 （SH601319）和新华保险（SH601336）涨幅也在2%上下。 对外经济贸易大学创新与风险管理研究中心副主任龙格对《每日经济新闻》记者表示，保险股逆市上涨 主要得益于政策面释放的积极信号，特别是金融监管总局下调保险公司相关业务风险因子，直接减轻了 保险公司的资本压力。《公开募集证券投资基金销售行为规范（征求意见稿）》（以下简称《意见 稿》）引导资金配置权重股，为保险板块带来了增量资金预期。 "行业基本面持续改善，资产端涉房风险降低，投资端改革推进，负债端转型也初见成效。国内外多家 机构看好行业前景并上调评级，认为市场整体回暖将进一步提升保险投资收益。"龙格表示。 寿险行业有望再次进入黄金发展期？ 12月15日，市场总体在低位震荡，保险、零售业等板块逆市上涨。截至收盘，中国平安最新股价为 67.08元/股，涨幅4.96%；中国太保最新股价为39.58元/股，涨幅3.5%；中国人保最新股价为8.79元/股， 涨幅 ...