北京商报讯（记者 胡永新）9月14日，江苏省保险行业协会发布信息显示，近一段时间来，因为"高收益""全球资产配置"等宣传标签，"买香港保险"吸引了 很多热度。然而，因法律体系、监管政策及产品设计存在本质差异，跨境投保面临诸多风险。根据监管规定，任何公司推介、宣传、销售保险产品均需持有 金融监督管理部门发放的保险许可证或保险中介许可证。任何个人销售保险产品均应在其所属的保险公司或保险中介机构进行执业登记。持牌机构、保险从 业人员超出业务范围，宣传、推介、销售或组织安排购买境外保险机构产品，均属于违法违规行为。 为保护金融消费者合法权益，江苏省保险行业协会发布风险提示称，境外保单不受我国境内法律保护，投保境外保险产品存在汇率或外汇政策变化、保单收 益不确定、理赔成本高、维权难度大等诸多风险，在考虑购买境外保险产品前，请全面了解风险点。 风险点其中包括，警惕非法"地下保单"，法律保障存在重大差异。内地居民投保境外保单，必须亲赴境外投保并签署相关保险合同。如在境内投保境外保 单，则属于非法的"地下保单"。"地下保单"不受内地法律保护，也无法获得境外司法辖区的有效保障。 关注外汇政策，汇率风险不可忽视。购买境外保单还面 ...

本报讯 记者孙榕报道 为切实保护广大金融消费者合法权益，近日，河北金融监管局发布《关于购 买境外保险的风险提示》，从资质合规、行为边界、产品风险、购买渠道等多方面对消费者作出明确提 醒。 四是如确有需求，请通过合法渠道购买保险，切勿参与"地下保单"等违规交易，谨慎对待以"高收 益"为卖点的投资型产品。 一是任何公司推介、宣传、销售保险产品均需持有金融监督管理部门发放的保险许可证或保险中介 许可证。任何个人销售保险产品均应在其所属的保险公司或保险中介机构进行执业登记。 责任编辑：韩胜杰 二是持牌机构、保险从业人员超出业务范围，宣传、推介、销售或组织安排购买境外保险机构产 品，均属于违法违规行为。 三是境外保单不受我国境内法律保护，投保境外保险产品存在汇率或外汇政策变化、保单收益不确 定、理赔成本高、维权难度大等诸多风险，消费者应高度警惕，谨慎对待。 ...

二是持牌机构、保险从业人员超出业务范围，宣传、推介、销售或组织安排购买境外保险机构产品，均 属于违法违规行为。 为切实保护广大金融消费者合法权益，近日，河北金融监管局发布《关于购买境外保险的风险提示》， 从资质合规、行为边界、产品风险、购买渠道等多方面对消费者作出明确提醒。 一是任何公司推介、宣传、销售保险产品均需持有金融监督管理部门发放的保险许可证或保险中介许可 证。任何个人销售保险产品均应在其所属的保险公司或保险中介机构进行执业登记。 三是境外保单不受我国境内法律保护，投保境外保险产品存在汇率或外汇政策变化、保单收益不确定、 理赔成本高、维权难度大等诸多风险，消费者应高度警惕，谨慎对待。 四是如确有需求，请通过合法渠道购买保险，切勿参与"地下保单"等违规交易，谨慎对待以"高收益"为 卖点的投资型产品。（记者 孙榕） （责任编辑：马欣） ...

Regulatory Voice - The Financial Regulatory Bureau emphasizes the importance of disaster response and insurance claims services during the main flood season, urging relevant units to enhance resource investment and streamline claims processes to support affected areas like Beijing and Hebei [1] - The Financial Regulatory Bureau has issued guidelines for the sustainable development of urban commercial health insurance, focusing on inclusivity, product management, risk management, and market order [1] Industry Focus - The predetermined interest rate for traditional life insurance products has been lowered by 50 basis points to 2.0%, with the guaranteed interest rate cap for participating insurance reduced to 1.75% [3] - The insurance industry reported a total premium income of 3.74 trillion yuan in the first half of the year, a year-on-year increase of 5.04%, with life insurance premiums growing by 5.34% [4] - Property insurance companies reported a combined profit of 87.59 billion yuan in Q2 2025, a 68.08% increase year-on-year, with 63 companies profitable [5] Corporate Dynamics - Zhongyi Property Insurance has received approval to increase its registered capital from 1.3 billion yuan to 1.692 billion yuan [7] - China Ping An has appointed Wang Xiaohang as the Chief Technology Officer [10] - Qian Fang is temporarily assuming the role of chairman at Guolian Life Insurance pending regulatory approval [11]

持牌机构、保险从业人员超出业务范围，宣传、推介、销售或组织安排购买境外保险机构产品，均属于 违法违规行为。 如确有需求，请通过合法渠道购买保险，切勿参与"地下保单"等违规交易，谨慎对待以"高收益"为卖点 的投资型产品。 北京商报讯（记者 李秀梅）7月30日，河北金融监管局表示，近期，境外保险产品热度上升，但其中暗 藏诸多风险，为切实保护广大金融消费者合法权益，现就购买境外保险的风险提示如下： 任何公司推介、宣传、销售保险产品均需持有金融监督管理部门发放的保险许可证或保险中介许可证。 任何个人销售保险产品均应在其所属的保险公司或保险中介机构进行执业登记。 境外保单不受我国境内法律保护，投保境外保险产品存在汇率或外汇政策变化、保单收益不确定、理赔 成本高、维权难度大等诸多风险，消费者应高度警惕，谨慎对待。 ...

Core Viewpoint - Noah Holdings reported strong financial performance for Q1 2025, with significant growth in operating income and net income, reflecting the effectiveness of its internationalization strategy and ongoing investments in overseas markets [1][3]. Financial Performance - Net revenue for Q1 2025 was RMB 615 million, with operating income reaching RMB 186 million, a year-on-year increase of 53.1% [1]. - Net income attributable to shareholders was RMB 149 million, up 13.3% year-on-year, while non-GAAP net income attributable to shareholders was RMB 169 million, a 4.7% increase [1]. - Revenue from overseas operations was RMB 304 million, relatively stable year-on-year but up 5.0% quarter-on-quarter, contributing nearly 50% to total net revenue [1]. Wealth Management Business - The total number of registered clients in wealth management reached 463,161, a 1.2% increase from March 31, 2024; however, the number of active clients decreased by 15.1% to 8,822 [1]. - The total value of distributed investment products was RMB 16.1 billion, down 14.7% from Q1 2024 [1]. Asset Management Business - Total assets under management reached RMB 149.3 billion, with RMB 106.6 billion from mainland China and RMB 42.7 billion from overseas [1]. - Domestic public market securities business net revenue was RMB 127 million, a 7.1% year-on-year increase, while domestic asset management net revenue decreased by 14.3% to RMB 167 million [2]. Strategic Focus - The company aims to enhance overseas business expansion, with overseas insurance distribution revenue increasing by 5% quarter-on-quarter [3]. - There is a focus on optimizing product structure by reducing non-standard fixed-income private placement products and concentrating on compliant asset categories [3]. - Operational efficiency is being improved through organizational adjustments and technology investments to lower operational costs and enhance profitability [3]. Future Outlook - Management plans to deepen customer service capabilities and accelerate the application of digital tools to navigate complex market environments [4]. - The company emphasizes strict asset allocation discipline, prioritizing the optimization of regional distribution and diversifying risks through various strategies [4]. - Noah Holdings aims to leverage a diversified product matrix, a strict compliance framework, and technology empowerment to unlock global business growth potential and deliver sustainable high returns to shareholders [4].