11月18日，中国人民银行北京市分行等12部门印发 《金融支持北京市提振和扩大消费的实施方案》 。 以下是全文： 金融支持北京市提振和扩大消费的实施方案 争到2030年 北京市消费领域金融服务水平进一步提升 ，北京市住宿餐饮、文旅体育、教育、居民服务等服务消费和养老产业贷款余额持续增 长、信贷投放力度不断加大，个人消费金融服务质效不断提升，金融助力北京国际消费中心城市建设取得积极进展，多元化消费金融服务体 系基本建成。 为深入贯彻党中央、国务院关于大力提振消费的决策部署，落实《关于金融支持提振和扩大消费的指导意见》（银发〔2025〕122号）文件以 及北京市委市政府工作要求，围绕助力国际消费中心城市建设，强化北京市商品消费和服务消费金融供给，更好满足北京市消费领域金融服 务需求，推动大力提振消费，制定本方案。 一、总体目标 以习近平新时代中国特色社会主义思想为指导，深入贯彻落实党的二十大和二十届二中、三中、四中全会及中央经济工作会议精神，完整、 准确、全面贯彻新发展理念，不断完善金融服务体系，提升金融服务能力，聚焦消费重点领域和环节加大金融支持力度。力争到2030年北京 市消费领域金融服务水平进一步提升，北京 ...

Core Viewpoint - The People's Bank of China and 12 other departments have issued a plan to enhance and expand consumption in Beijing, aiming for improved financial services in various sectors by 2030 [1] Financing Support - The plan emphasizes increasing bond market financing for qualified enterprises in cultural, tourism, and education sectors [3] - It encourages equity financing for quality enterprises in the consumption industry through public listings and other means [3] - Social capital is urged to invest more in key service consumption areas, with a focus on private equity and venture capital for early-stage companies [3] Consumer Services Enhancement - The plan aims to enrich financial services in the accommodation and dining sectors, promoting local brands and unique cultural experiences [4] - Financial institutions are encouraged to collaborate with service providers to offer diverse consumer discounts and incentives [4] Automotive and Electronics Financing - The plan proposes to enhance financial support for automotive loans, particularly for new energy vehicles, and to optimize financing products for various purchasing scenarios [5][6] - It also encourages financial institutions to meet consumer financing needs in home appliances and electronic products [6] Support for Small and Micro Enterprises - The plan highlights the importance of reducing financing costs for small and micro enterprises, with a focus on job creation and entrepreneurship [7] - It supports innovative financial services for sectors like domestic services and elderly care, aiming to lower entry costs for service workers [7] Insurance System Improvement - The plan seeks to enhance the insurance system by developing long-term care insurance and personal pension products tailored to the needs of the elderly [8] - It promotes the expansion of commercial health insurance and encourages innovative insurance products for low-income groups [8]

其他地区也有类似动作，实现了政策的有效联动。安徽省委金融办等部门发布的《关于促进养老金融高 质量发展的若干措施》提到，探索商业保险年金与长期护理保险融合发展，增强老年人风险保障能力。 《江苏省养老金融高质量发展行动方案》提到，鼓励保险机构大力发展商业保险年金业务，指导符合条 件的商业保险机构承办大病保险、长期护理保险等服务工作。 当前，养老保险体系的第三支柱迎来前所未有的发展机遇，其核心制度框架与试点产品持续精进，"金 融+养老"进入发展快车道。广东省地方金融管理局近日发布《广东省推动养老金融高质量发展的实施 方案》（以下简称《实施方案》）。 广东省并非个例，近两年，陕西、江苏、河北等地金融监管部门已经就金融支持"老有所依"作出相关部 署。作为做好"养老金融"大文章的主力军，保险业是加快健全我国多层次多支柱养老保障体系的重要力 量。政策鼓励下，保险业如何紧跟政策导向和市场需求，积极打造多层次"保险+养老"服务模式？ 养老金融政策密集落地 日前，广东省发布《实施方案》，明确提及加快商业保险年金产品创新，探索提供"医、护、康、养、 居"一体化的养老金融综合解决方案。积极发展商业健康保险，支持开发符合老年人健康风险 ...

Core Insights - Changsheng Life Insurance has completed the integration with Shanghai's "Insurance Code" platform, enhancing its digital claims service in the commercial health insurance sector [1][2] - The platform allows for efficient connection between medical insurance data and commercial health insurance claims, ensuring a seamless experience for customers [1] Group 1 - The "Insurance Code" platform is a public insurance service initiative led by Shanghai Insurance Exchange, which connects directly with Shanghai's medical insurance data [1] - Customers can now enjoy a simplified claims process without the need for paper invoices or expense lists, using the "Suishenban" app or WeChat/Alipay mini-programs [2] - This initiative reflects Changsheng Life's commitment to customer-centric service and the application of digital technology in insurance [2] Group 2 - The integration aims to streamline the claims process and reduce the time taken for claims to be processed, enhancing customer experience [2] - Changsheng Life will continue to focus on customer needs and upgrade its service capabilities to provide better products and services [2]

Core Viewpoint - The Chongqing Municipal Government has issued measures to support the high-quality development of innovative drugs, emphasizing the promotion and development of commercial health insurance products [1] Group 1: Support for Commercial Health Insurance - The measures encourage the development and promotion of commercial health insurance products [1] - There is an exploration of information security in health and medical insurance, ensuring compliance in the support of commercial health insurance companies for product development and underwriting claims [1] - The implementation of tax deductions for supplementary medical insurance related to corporate income tax is supported [1] Group 2: Promotion of Inclusive Health Insurance - The measures support the use of personal medical insurance accounts to purchase inclusive commercial health insurance [1]

Core Points - The new basic medical insurance drug catalog and the first version of the commercial insurance innovative drug catalog are set to be released in Guangzhou on the first weekend of December, with implementation starting on January 1, 2024 [1] - The recent negotiations involved 120 domestic and foreign enterprises, with 127 drugs outside the basic medical insurance catalog participating in the negotiations, and 24 drugs involved in price negotiations for the commercial insurance innovative drug catalog [3] - The commercial insurance innovative drug catalog was organized by the National Medical Insurance Administration, allowing companies to apply for inclusion in either the basic medical insurance catalog or the commercial insurance innovative drug catalog, or both [5] Industry Insights - The addition of the commercial insurance innovative drug catalog aims to better meet the diverse medication needs of the population, with 1.326 billion people covered by basic medical insurance in 2024, maintaining a coverage rate of 95% [6] - Total expenditure for the basic medical insurance fund is projected to reach 2.97 trillion yuan in 2024, providing solid support for healthcare access [6] - The commercial health insurance market is experiencing rapid growth, with premium income reaching 977.3 billion yuan in 2024, an increase of 8.2% year-on-year, although there remains significant room for improvement in coverage levels compared to basic medical insurance [6] - Challenges exist in synchronizing medical insurance and commercial insurance settlements across provinces, but initiatives like the "commercial insurance + medical insurance" one-stop settlement payment platforms have been launched in various regions [6]

Core Viewpoint - The "15th Five-Year Plan" emphasizes high-quality development as the primary goal, shifting focus from rapid economic growth to enhancing the quality of economic development [2][3]. Economic Development Goals - The plan does not set specific GDP growth targets but aims for an average annual GDP growth rate of 4.5% to 5.0% during the "15th Five-Year Plan" period, ensuring a balance between growth, structural adjustment, and risk prevention [3]. - The plan highlights a significant increase in the resident consumption rate, indicating a shift from investment-driven growth to consumption-led growth [3][4]. Capital Market Development - The plan calls for a well-functioning capital market that supports innovation-driven development, emphasizing reforms in the Sci-Tech Innovation Board and the Growth Enterprise Market to provide better financing for "hard tech" companies [5][6]. - It aims to balance direct and indirect financing, enhancing the financing structure to better serve small and innovative enterprises [6][7]. Fiscal and Monetary Policy - The plan stresses the importance of active fiscal policy to enhance sustainability and support long-term investments while balancing efficiency and equity [9][10]. - Monetary policy will maintain a moderately loose stance, focusing on effective transmission mechanisms and structural tools to support key sectors [11][12]. Digital Economy and Innovation - The plan promotes the construction of a digital economy, emphasizing the development of data markets and the integration of artificial intelligence into various sectors [13][14]. - It aims to address challenges in data resource sharing, algorithm development, and privacy protection to enhance the value of data and accelerate AI development [14][15]. Social Security and Insurance - The plan proposes a multi-tiered pension system and emphasizes the role of commercial insurance in providing supplementary coverage [16][17]. - It introduces long-term care insurance to address the needs of the aging population, aiming to build a comprehensive care system [17].

Group 1 - The article introduces the "12366 Small Classroom" initiative by Tianjin Taxation to address taxpayer concerns and ensure tax benefits are effectively communicated [2] - It explains the personal income tax deduction policy for commercial health insurance, allowing a deduction limit of 2400 yuan per year (200 yuan per month) for eligible insurance products [3][4] - The article clarifies that not all commercial health insurance purchases qualify for tax deductions; only those with a "tax preferential identification code" are eligible [5][6] Group 2 - The "tax preferential identification code" is essential for ensuring the uniqueness and validity of the tax benefit for commercial health insurance policies, which must be provided by insurance companies [7] - Taxpayers must provide the policy documents containing the tax preferential identification code to their withholding units or retain them for self-reporting during annual tax reconciliation [8] - Insurance companies are required to issue invoices and policy documents that include necessary information for personal tax deductions [9]

Core Insights - The 2025 Sustainable Global Leaders Conference will be held from October 16 to 18 in Shanghai, focusing on the integration of social security and commercial insurance to promote access to innovative drugs for the general public [1][3]. Group 1: Impact of AI on Innovative Drugs and Insurance - AI technology is enhancing the efficiency of innovative drug development, which allows more people to access these drugs [3]. - The accessibility of innovative drugs is a primary concern, ensuring that the public is aware of and can afford these medications [3]. Group 2: Challenges in the Chinese Pharmaceutical Market - Chinese pharmaceutical companies are leading in innovative drug development globally, but many rely on overseas markets for expansion [3]. - High research and development costs of innovative drugs lead to expensive sales, creating barriers for the general public to access these medications, especially under the current cost-control environment of China's healthcare system [3][4]. Group 3: Solutions for Improving Access to Innovative Drugs - The role of commercial insurance is crucial in addressing the accessibility issues of innovative drugs [4]. - There is a need for the integration of social security and commercial insurance, with ongoing research by the National Medical Insurance Center to innovate the catalog of commercial health insurance for innovative drugs [4].

Report Industry Investment Rating No relevant content provided. Core Viewpoint Modern workplace employees are facing high - intensity work and life pressures, leading to poor health habits, high rates of abnormal physical examination results, and widespread health anxiety. At the same time, they have multiple economic pressures and insufficient ability to resist health risks. The existing insurance products in the market cannot effectively meet their needs, and there is a large "protection gap" that needs to be filled. The industry should optimize insurance products to meet the health protection needs of workplace employees [2]. Summary by Directory 01 Workplace Employees' Life and Health Status - Workplace employees have poor health habits, such as staying up late, having an unhealthy diet, and lacking exercise. Internet practitioners, those in first - tier cities, and the 25 - 30 age group are more prone to these bad habits [9][10][11]. - Over 70% of workplace employees have 3 or more abnormal items in their physical examinations. Different age and occupational groups have different distributions of abnormal items [13][15]. - 72% of workplace employees are afraid to look at their physical examination reports, and 13.7% do not participate in physical examinations. Those from first - tier cities, 31 - 35 - year - olds, and those from third - tier and below cities and 18 - 24 - year - olds are more likely to avoid physical examinations [17][18][19]. - Fatigue, poor sleep, "three highs" (hypertension, high blood sugar, high blood lipid), nodules, and cervical spondylosis are common among workplace employees. Different age groups have different health problems [20][21][22]. - Workplace employees in first - tier cities are more likely to have "three highs", and 31 - 35 - year - olds are the hardest hit by nodules [25][27]. - Over 90% of workplace employees actively formulate health management plans, but only 18.6% strictly implement them. Most people use exercise and diet control for health management [28]. - Over 80% of policyholders buy insurance for themselves, while less than half buy insurance for their parents [30][31]. 02 Workplace Employees' Health Protection Needs and Pain Points - 83% of 31 - 40 - year - old workplace employees bear the pressure of children's education and parents' medical care in addition to rent or mortgage payments. 31 - 35 - year - olds and those with chronic diseases have higher average monthly medical expenses [37][38][39]. - 80% of workplace employees consider hiring professional nursing care when their parents become disabled. 25 - 30 - year - olds and those in new first - tier and first - tier high - line cities have a higher willingness to hire, with different budget levels [41][42][43]. - When a family member has a serious illness, only 18.2% of workplace employees have sufficient funds to cope. 70.1% of 30 - 40 - year - olds and 53.2% of those in the service industry can only support 6 months and 3 months of living expenses respectively with their reserve funds [46][48]. - 82.3% of workplace employees recognize that commercial health insurance is a necessary supplement to medical insurance, but only 33.6% have actually purchased it. The average critical illness insurance amount is at least 447,000 yuan [49][51]. - Workplace employees are more willing to spend on entertainment than on insurance. 55.8% of them give up buying insurance due to complex terms and product selection confusion [53][54][58]. - The trend of younger critical illness claims is obvious, and the average annual medical expenses of claimants exceed 10,000 yuan. Over 30% of workplace employees with critical illness insurance claims are under 35 years old [62][63][64]. - Over 40% of workplace employees cannot buy suitable critical illness insurance due to underlying diseases, and the overall rejection rate of critical illness insurance exceeds 30% [67]. 03 Workplace Employees' Expectations for Health Protection - "Post - 90s" have become the main force in insurance purchases, with an average of 2 policies per person. Workplace employees who buy insurance are younger, more concentrated in high - line cities, and more likely to buy insurance [72]. - 57.6% of workplace employees prefer online insurance purchases. Those with a monthly income of ≥ 8000 yuan and married people with children are more likely to choose online channels [75][76][77]. - 42.3% of "Post - 90s" workplace employees expect to relax the restrictions on pre - existing conditions. Workplace employees also hope for simpler claims processes, higher claims efficiency, and personalized insurance products [79][80][81].