今天是2025年的最后一天。回望这一年，我国保险业在高质量发展的道路上迈出了坚实步伐，在补 齐保险保障空白、增加薄弱环节供给方面取得了显著成效。 这一年，保险业的显著突破体现在对"老大难"问题的攻坚。 近年来，新能源车险因其赔付率高、数据积累不足，导致部分车主"投保难、投保贵"。针对这一痛 点，今年初，在金融监管总局指导下，中国保险行业协会、上海保险交易所联合搭建"车险好投保"平 台，有序承接高赔付风险新能源车险业务。该平台已累计为110多万辆车提供了保险服务，保障金额高 达1.1万亿元。10月份，该平台再次扩容，将高赔付风险的燃油营运车纳入承保范围，进一步助力破解 货车、出租车等燃油营运车辆"投保难"问题。 这一举措不仅是技术层面的优化，更是保险业社会责任的体现。它标志着行业正在通过机制创新， 将保障触角延伸至更深层次的民生需求，让部分曾经因高风险而被"拒之门外"的车辆能够得到风险保 障，让保险真正回归风险共担的本质。 这一年，保险业的显著突破体现在保险供给能力向"新"而行。 随着新质生产力成为经济发展的新引擎，保险业积极对接新兴产业需求。针对企业科技创新在研 发、成果转化过程中面临的技术失密、专利侵权、研 ...

"适当配置点保险，尤其是重疾险优先配置，避免一场意外疾病耗光积蓄。还准备给娃买那种教育储蓄 金。"谈及即将到来的年终奖，上海白领丫丫规划得明明白白。 时值年末，年终奖又成为热门话题。如何打理让年终奖发挥最大效用，成为不少市民关注的焦点。南都 湾财社记者发现，近期银行纷纷发力年终奖理财营销，在手机银行、官方微信公众号等渠道推介相关产 品，覆盖定存、保险、基金、理财、贵金属等全品类。 专家提醒称，投资者需警惕产品设计中的期限错配、收益波动及隐性费用等问题。应优先关注产品底层 资产、流动性安排及历史表现，避免因短期营销节奏打乱原有资产配置逻辑，保持理性判断。 银行： 花式促销年终奖理财产品 覆盖基金、商业养老金等 对于银行来讲，年终奖是获取和经营个人客户的"战略窗口期"。近期不少银行瞄准时机，发力年终奖理 财营销。 银行发力年终奖理财营销。 例如，交通银行APP推出"年终奖好去处，资金打理有'薪'招"专栏，包含存款、理财、基金、保险、贵 金属等多类产品。其中，年终奖专享理财共9款，主打低风险，均为R2-稳健型，期限有随时可赎，也有 最低持有7天、30天、60天、99天、150天等类型。收益率方面，有产品近3月年化收 ...

在人口老龄化加速、健康与养老服务需求日益增长的时代背景下，宁波银行嘉兴分行立足本地实际，积 极践行"尊老、爱老、助老、为老"服务理念，围绕服务场景、产品体系、平台共建等方面持续发力，不 断完善养老金融服务生态，助力老年客户实现"老有所养、老有所依、老有所乐、老有所获"。 乐龄平台共建，拓展多元服务内涵 宁波银行嘉兴分行深度参与地方"为老服务生态圈"建设，通过政银合作打造"嘉禾·银色家园"综合性为 老服务平台，为老年人提供更加丰富多元的生活选择。依托该平台，分行开设"银龄学堂"，常态化开展 金融知识普及、防诈反诈宣传等活动，并将服务拓展至健康养生、手工互动、文体活动等多元场景，切 实满足老年群体日益增长的精神文化需求。自平台共建以来，已陆续开展养生讲座、红色观影、桌上冰 壶体验赛等形式多样的活动。与此同时，分行持续推动金融服务与人文关怀深度融合，2025年以来，已 累计开展面向老年人的金融宣传教育活动超500场，服务老年群体近2万人次，有效扩大了养老普惠服务 的覆盖面与影响力。 场景适老化改造，提供便捷暖心服务 宁波银行嘉兴分行聚焦老年群体金融服务痛点，全面推进线上线下服务场景适老化升级，致力于为老年 客户提供 ...

Group 1 - The core viewpoint of the articles highlights that banks are launching "year-end bonus wealth management" plans to cater to the needs of employees receiving year-end bonuses, focusing on stable and low-risk investment products [1][2][3] - Several banks, including Postal Savings Bank, China Construction Bank, and Bank of Communications, are offering "one-stop" wealth management solutions that include deposits, investments, and insurance products [1][2] - The recommended investment products are primarily low-risk (PR1) or medium-low risk (PR2), with a focus on meeting customer needs and enhancing customer loyalty in a competitive market [2][3] Group 2 - This year, banks are incorporating various insurance products into their year-end wealth management plans, with some banks prioritizing conservative and stable insurance options alongside traditional investment products [3][4] - The overall trend in year-end wealth management plans is towards low volatility and stability, with higher risk products being less common [4] - Experts suggest that investors should analyze their financial situation, risk tolerance, and future funding needs to create a tailored investment plan that balances risk and return [4][5] Group 3 - For short-term funds, it is recommended to choose highly liquid cash management products, while medium-term funds can be allocated to low-risk fixed income products [5] - Long-term investments may include rights-based financial products, with diversification through funds being encouraged to achieve long-term return goals [5][6] - The global economic uncertainty is expected to persist, and the wealth management market is projected to continue expanding, necessitating investor education on asset allocation and investment strategies [6]

Core Viewpoint - The conference "2026 Annual Dialogue and Global Wealth Management Forum" emphasizes the theme "China's Resilience in Changing Circumstances," focusing on the urgent need for reform in the pension system to address the challenges of an aging population [1]. Group 1: Pension System Reform - Zheng Bingwen suggests increasing the annual contribution limit for personal pensions from the current 12,000 yuan to better meet long-term retirement savings needs [1][16]. - The "1+5-1" framework for social wealth reserves is established, which includes the sovereign pension fund and five pillars of the pension system, minus local subsidies [6][7]. - The total social wealth reserve under the "1+5-1" framework grew from 11.42 trillion yuan in 2019 to 18.79 trillion yuan in 2024, with significant growth in the second pillar, which increased by approximately 170% [7]. Group 2: Features of the "14th Five-Year Plan" - The "14th Five-Year Plan" saw the establishment of the third pillar of personal pensions, with over 100 million accounts opened, surpassing the second pillar's coverage [8]. - The first transfer of state-owned assets to bolster social security funds was completed, with a second transfer planned [8]. - The fourth pillar, which includes commercial insurance products, is entering a system integration phase, indicating a growing market for retirement-related financial products [8]. Group 3: Recommendations for the "15th Five-Year Plan" - The "15th Five-Year Plan" aims to continue the transfer of state-owned assets to enhance social security funds, which are crucial for capital market stability [9]. - It emphasizes the need for a nationwide basic pension insurance system and the establishment of an actuarial system for social insurance [10]. - The plan encourages the development of a multi-tiered pension insurance system, including the promotion of commercial insurance as a supplementary measure [10]. Group 4: Innovations in Wealth Management Tools - Zheng proposes three key recommendations for the Beijing sub-center as a wealth management hub: reforming the enterprise annuity system, promoting synergy between enterprise annuities and personal pensions, and exploring diverse "housing for pension" models [12][14]. - The development of real estate trusts has been initiated, which is seen as an important innovation for families with special needs [13]. - There is a call for policy support for innovative pension products being developed by institutions like the Beijing Housing Security Center [14].

转自：新华财经 新华财经北京11月25日电（刘润榕）人民银行25日开展3021亿元7天期逆回购操作，操作利率1.40%，与前次持平；鉴于当日有9000亿元1年期中期借贷便 利（MLF）和4075亿元7天期逆回购到期，公开市场实现净回笼10054亿元。 上海银行间同业拆放利率（Shibor）延续窄幅震荡。具体来看，隔夜Shibor与前日持平，报1.3160%；7天Shibor下跌1.40BP，报1.4330%；14天Shibor下跌 0.20BP，报1.5400%。 上海银行间同业拆放利率（11月25日） 银行间质押式回购市场方面，短期资金价格整体小幅回落，R007成交额占比高位徘徊。具体看，DR001、R001加权平均利率分别下行0.1BP、0.5BP，报 1.318%、1.3843%，成交额分别减少1529亿元、409亿元；DR007、R007加权平均利率分别下行1.6BP、3.3P，报1.4541%、1.5238%，成交额分别增加347 亿元、122亿元；DR014、R014加权平均利率分别下行1.1BP、1.2BP，报1.5317%、1.533%，成交额分别减少66亿元、64亿元。 货币市场利率（11月 ...

Core Insights - The Shenzhen insurance industry has accumulated a liability reserve balance of 758.1 billion yuan for life and long-term health insurance as of October 2025, with total compensation payments amounting to 61.7 billion yuan [1] - The industry has effectively responded to multiple rounds of typhoon and rainstorm disasters, receiving over 5,700 related claims with estimated losses exceeding 11 million yuan [1] - The innovation of pension financial products is progressing steadily, with 5.993 million personal pension accounts opened and total contributions reaching 7.72 billion yuan, ranking among the top in the country [1] - Four commercial pension pilot companies are operating in Shenzhen, with a total of 127,500 commercial pension accounts opened and a sales scale of 20.885 billion yuan in the first three quarters [1]

Core Insights - Shenzhen's financial regulatory bureau held a press conference on November 25, 2023, focusing on the theme "Building Consensus on Reform and Boosting Development Confidence" [1] Group 1: Personal Pension Accounts - As of the end of October, Shenzhen has opened 5.993 million personal pension accounts, ranking among the top in the country [1] - The total accumulated contributions to these accounts reached 7.72 billion yuan [1] Group 2: Commercial Pension Pilot Programs - Four commercial pension pilot companies are operating in Shenzhen, with a total of 127,500 commercial pension accounts opened in the first three quarters [1] - The sales scale of these commercial pension products reached 20.885 billion yuan [1]

Core Viewpoint - The Guangdong Provincial Financial Management Bureau has issued an implementation plan aimed at promoting high-quality development of pension finance, with a goal to establish a distinctive pension financial system by 2028 and achieve a virtuous cycle of pension finance and the silver economy by the end of the 14th Five-Year Plan [1] Group 1: Implementation Plans and Directions - Various regions have responded to the national guidelines by developing specific implementation plans, emphasizing the crucial role of the banking sector in enhancing pension finance [2] - The plans from cities like Beijing, Chongqing, and Guangdong highlight the importance of banks in the pension finance landscape [2] Group 2: Responsibilities of the Banking Sector - The banking sector is tasked with enriching the supply of pension financial products, including personal pension products and commercial pension insurance supported by tax incentives [3] - Financial institutions in Chongqing are encouraged to create "green channels" for elderly customers and innovate banking services tailored to senior citizens [3] Group 3: Empowering the Pension System and Silver Economy - Banks are expected to support the construction of pension institutions and community service centers by developing long-term credit products tailored to their operational characteristics [4] - In Guangdong, banks are encouraged to increase credit support for elderly goods and services, infrastructure construction, and smart elderly care equipment development [4] Group 4: Active Engagement of the Banking Sector - The banking sector has been proactive in enhancing pension finance through strategic planning, brand development, and product design [5] - China Construction Bank aims to establish a pension finance service system and has prioritized credit support for the pension industry, leading in loan scale [5] - Bank of China has launched the "Zhongyin Silver Age" brand to meet diverse personal pension needs and has reported significant growth in pension fund management [5] Group 5: Potential Opportunities in the Banking Sector - Experts suggest that banks can leverage their network advantages to explore opportunities in the pension finance sector, including deep involvement in social security fund management and customized solutions for corporate annuities [7] - The personal pension market presents significant potential, with banks capable of offering comprehensive retirement planning services [7] Group 6: Digital Transformation in Pension Finance - The trend of digital transformation in the banking sector is becoming more evident in the development of pension finance, with a focus on enhancing services for both basic pension insurance and corporate annuities [8] - Banks are expected to provide better financial services not only for traditional pension industries but also for emerging sectors like smart elderly care and comprehensive health services [8]

Core Viewpoint - The Guangdong Provincial Financial Regulatory Bureau has issued an implementation plan aimed at promoting high-quality development of pension finance, targeting the establishment of a distinctive pension financial system by 2028 and achieving a virtuous cycle of pension finance and the silver economy by the end of the 14th Five-Year Plan [1] Group 1: Implementation Plans and Directions - Various regions, including Beijing, Chongqing, and Guangdong, have developed specific implementation plans emphasizing the crucial role of the banking sector in enhancing pension finance [2] - The plans highlight the responsibility of the banking industry in enriching the supply of pension financial products, with Beijing proposing to promote personal pension products and specialized commercial pension insurance [3] Group 2: Empowerment of the Pension System and Silver Economy - Banks are encouraged to support the construction of pension institutions and community service stations by developing innovative credit products tailored to their operational characteristics [4] - In Guangdong, banks are urged to increase credit investment in elderly goods and services, infrastructure construction, and smart elderly assistance device development, with favorable loan terms [4] Group 3: Active Engagement of the Banking Sector - The banking sector is actively focusing on pension finance through strategic planning, brand building, product design, and business development, with China Construction Bank leading in loan support for the pension industry [5] - China Bank has launched the "Zhongyin Silver Age" pension finance brand, offering diverse products to meet individual pension needs and reporting significant figures in pension fund management [5] Group 4: Potential Opportunities in the Pension Finance Sector - Experts suggest that banks can leverage their network advantages to explore opportunities in pension finance, including deep involvement in social security fund management and customized solutions for corporate annuities [7] - The personal pension market presents significant potential, with banks capable of providing comprehensive retirement planning services to clients [7] Group 5: Digital Transformation in Pension Finance - The trend of digital transformation in the banking sector is becoming more evident, with banks expected to enhance financial services for traditional pension industries and explore new business models like smart elderly care [8]