据新疆金融监管局网站，新疆金融监管局发文称要压实辖区保险机构安全生产责任，督促建立健全重大自然灾害应对预 案，主动参与防灾减灾救灾和应急管理体系。指导辖区保险机构加大安责险宣传力度，积极与应急管理局等部门联动， 主动对接企业安全生产需求；建立重大自然灾害理赔响应机制，统筹调配查勘资源，开辟绿色服务通道，对责任明确、 损失清晰的案件快处快赔、应赔尽赔。 关键词阅读：安责险 理赔 责任编辑：小讯 ...

1月5日金融一线消息，新疆金融监管局今日发布公告称，持续强化保险效能，履行安全生产社会责任。 新疆金融监管局压实辖区保险机构安全生产责任，督促建立健全重大自然灾害应对预案，主动参与防灾 减灾救灾和应急管理体系。指导辖区保险机构加大安责险宣传力度，积极与应急管理局等部门联动，主 动对接企业安全生产需求；建立重大自然灾害理赔响应机制，统筹调配查勘资源，开辟绿色服务通道， 对责任明确、损失清晰的案件快处快赔、应赔尽赔。 责任编辑：曹睿潼 1月5日金融一线消息，新疆金融监管局今日发布公告称，持续强化保险效能，履行安全生产社会责任。 新疆金融监管局压实辖区保险机构安全生产责任，督促建立健全重大自然灾害应对预案，主动参与防灾 减灾救灾和应急管理体系。指导辖区保险机构加大安责险宣传力度，积极与应急管理局等部门联动，主 动对接企业安全生产需求；建立重大自然灾害理赔响应机制，统筹调配查勘资源，开辟绿色服务通道， 对责任明确、损失清晰的案件快处快赔、应赔尽赔。 责任编辑：曹睿潼 ...

转自：新华财经 近年来，中国人寿财产保险股份有限公司曲靖市中心支公司（以下简称"公司"）深入践行金融服务实体 经济根本宗旨，以数字化转型为抓手，全方位服务曲靖经济社会高质量发展。 科技赋能，农险转型成效显著。公司构建"天空地"立体化服务体系，全面应用3D猪脸识别、AI智能点 数及卫星遥感技术。在会泽、富源等地，通过无人机与AI算法精准识别规模化养殖场387个，验标误差 率降至0.5%以内，查勘效率提升3倍以上，解决了标的信息不精准、理赔慢的难题。 精准滴灌，护航高原特色农业。针对曲靖羊肚菌等特色产业，公司创新推出"保险+企业+农户"模式。 面对2025年春季大风灾害，公司迅速启动科技理赔，快速完成羊肚菌大棚定损赔付15.81万元，为农户 恢复生产提供坚实保障，赢得了客户赞誉。 多元保障，服务实体经济发展。公司聚焦中小微企业，今年以来累计提供综合风险保障426亿元，缓解 融资压力6.45亿元。同时，大力发展绿色金融与科技保险，提供风险保障超588亿元；为高危行业提 供"安责险"保障12.09亿元；连续三年支持"惠民保"项目，护航民生福祉。 未来，公司将继续加大农业保险投入，扩大保障覆盖面，持续深化"科技+保险" ...

【大河财立方 记者 徐兵 文 马腾飞 摄影摄像 洪昊旸 剪辑】凛冬已至，安全生产进入"防冻、防滑、防火、防中毒"攻坚期。建筑施工的高空作业风险、交通 运输的路面结冰隐患、工矿商贸的设备冻裂风险……冬季叠加多重安全挑战，企业安全生产防线如何筑牢？ 12月29日上午，由河南省保险行业协会联合大河财立方打造的2025年"保险会客厅"第六期直播，在中原农险大厦举行，聚焦"冬季安全防护升级安责险助 企'御寒防险'"主题，特邀人保财险河南分公司商业团体部/再保险部总经理助理彭琳、中国太保产险河南分公司团客政保业务部/团客健康保险事业部负责人 王伟、平安产险河南分公司政保部总监刘刚、中原农险河南省分公司非车商险部总经理逯斌4位行业专家，共话安责险在冬季风险防控中的核心价值，拆解 政企协同、科技赋能的实践路径，为企业平稳越冬献策支招。 此次直播由大河财立方记者闫文瑞主持，经河南保协视频号、大河财立方视频号、新浪微博等平台播出。 核心价值迭代，从"事后赔付"到"全周期风控" 冬季安全事故高发，更凸显安责险的"风险兜底+主动防控"双重价值。4位嘉宾一致认为，安责险已跳出传统保险"事后赔付"的单一维度，形成"事前预防、 事中响应、 ...

（来源：劳动午报） 转自：劳动午报 本报讯 （记者 刘欣欣） 记者近日从北京市应急局了解到，为发挥安责险综合保障作用，破解基层安全 管理痛点，2025年"北京安责险安全宣贯赋能计划"正式启动。该项目将通过赋能培训、专业队伍建设等 举措，构建"政府主导、专业服务、企业参与、全民共建"的安全生态，持续提升企业安全生产水平与基 层应急管理效能。 本次计划核心任务包括两大板块。在企业安全应急能力赋能方面，将针对人保、太平洋、国寿、平安和 太平5家保险公司选定行政区的乡镇（街道）生产经营单位负责人及安全管理人员，开展不少于30场巡 回宣讲。其中2025年12月底前完成10场，2026年国家最新政策出台后推进20场。培训课程涵盖"防、 救、技、险、互动"五大模块，通过理论讲解、案例分析、实操演练与互动研讨相结合的方式，覆盖安 全风险识别、隐患排查、突发事件处置、急救技能、安责险政策解读等关键内容。其中"险"模块专门明 确安责险与普通意外险的区别，详解投保理赔流程，通过真实案例展现其风险保障价值；"互动"模块则 聚焦企业实际困惑，搭建经验交流平台。 同时，该项目将公开招募选拔"京安使者"，组建专业化宣传队伍。通过培训考核、 ...

12月10日至11日，中央经济工作会议在北京举行。在部署明年经济工作的重点任务时，会议鲜明地提出 了"坚持民生为大"的导向，强调要努力为人民群众多办实事。从鼓励支持灵活就业人员参加职工保险， 到深化医保支付方式改革、推行长期护理保险制度，再到扎实做好安全生产与防灾减灾工作，这一系列 部署不仅是一份沉甸甸的"民生任务书"，更是金融行业，特别是保险行业转型升级、实现高质量发展 的"核心路线图"。 民生是经济发展的指南针（300803），也是社会稳定的压舱石。在当前宏观经济回升向好但仍面临挑战 的背景下，将金融资源精准配置到民生领域，不仅体现了金融工作的政治性和人民性，更是激活内需潜 力的关键一招。金融机构必须深刻认识到：算好"民生账"，就是算好最大的"经济账"；守住"民生底 线"，就是守住最稳的"发展高线"。 金融支持民生，首在织密"保障网"，让奋斗者无后顾之忧。会议特别提到要"实施稳岗扩容提质行 动""鼓励支持灵活就业人员、新就业形态人员参加职工保险"。随着外卖骑手、网约车司机等新就业群 体日益庞大，传统的社保体系和商业保险模式面临挑战。这就要求金融机构，特别是保险行业，打破传 统的思维定式，开发更具普惠性、灵 ...

Core Viewpoint - The implementation of "reporting and execution in unison" for non-auto insurance starting November 1 aims to standardize the market, curb vicious competition, and improve underwriting profitability [1][2]. Group 1: Implementation Details - "Reporting and execution in unison" means that the insurance terms and rates executed by companies must align with the materials submitted to regulatory authorities [2]. - The non-auto insurance sector has seen rapid growth, with premium income reaching 687.8 billion yuan in the first nine months of this year, accounting for a significant portion of property insurance premiums [2]. - Regulatory measures have been introduced to address issues in the non-auto insurance market, including optimizing assessment mechanisms and strengthening rate management [2][4]. Group 2: Industry Impact - Analysts believe that the new regulations will lead to a shift in business models, focusing on service competition rather than price competition, ultimately promoting high-quality development in the non-auto insurance sector [3][5]. - The requirement for "fee upon issuance" will change the operational processes of insurance companies, necessitating communication with clients regarding these changes [4]. Group 3: Future Competitiveness - The competition in the non-auto insurance market is expected to shift from cost-based competition to a focus on pricing capability, risk identification, and service quality [5][6]. - Smaller specialized insurance companies can leverage their strengths by focusing on niche markets and offering customized products and differentiated services [6].

Core Viewpoint - The implementation of the non-auto insurance "reporting and operation in unison" policy marks a transition from policy promotion to full-scale implementation, aiming to enhance compliance and quality-driven development in the non-auto insurance sector [1] Group 1: Regulatory Framework - The introduction of a systematic regulatory framework aims to avoid "involution" competition in the non-auto insurance market, which has been characterized by irrational competition and high costs [1] - The new regulations allow insurance companies to reasonably reduce premium scales and business growth rates, guiding them to focus more on quality and profitability [1] Group 2: Phased Implementation - The new regulations require the full implementation of non-auto insurance "reporting and operation in unison" starting November 1, with a clear timeline for the re-filing of different products [2] - The staggered re-filing deadlines provide insurance companies with ample preparation time, ensuring a smooth rollout of the policy [2] Group 3: Rate Cap Differentiation - The new regulations set differentiated upper limits for premium rates, with larger companies facing stricter constraints compared to smaller ones [3] - Specific caps are established for predetermined additional rates and average handling fees, with larger companies having a 30% cap and smaller companies a 35% cap for additional rates [3] Group 4: Premium Income Management - The new regulations stipulate that insurance companies must issue policies and invoices after collecting premiums, with specific guidelines for premium payment terms [4] - The guidelines also impose restrictions on the number of payment installments based on the insurance duration, ensuring orderly business operations and protecting both parties' rights [4] Group 5: Market Behavior Supervision - The new regulations emphasize the need for enhanced market behavior supervision, adopting similar inspection mechanisms as those used in auto insurance [5] - Industry organizations are tasked with developing standard clauses and supporting the high-quality development of non-auto insurance [5]

Core Viewpoint - The implementation of "reporting and operation integration" in the non-auto insurance sector aims to enhance risk assessment and management, thereby improving the insurance industry's role in economic stability and social security [1] Group 1: Regulatory Changes - The National Financial Supervision Administration has issued a notice to strengthen the regulation of non-auto insurance businesses, officially launching "reporting and operation integration" [1] - Starting from March 2025, the National Financial Supervision Administration has sought opinions from industry stakeholders regarding the "reporting and operation integration" policy [1] Group 2: Company Initiatives - China People's Property Insurance Company (PICC) has identified the implementation of "reporting and operation integration" as a key task for 2025 and has established a dedicated working group to advance this initiative [1] - PICC is collaborating with the China Insurance Industry Association to promote "fee-for-policy issuance" in regions such as Shandong and Yunnan [1] Group 3: Product Development and Optimization - PICC is actively involved in the development of demonstration products for new insurance and safety responsibility insurance, including the optimization of compensation mechanisms [2] - The company is conducting a comprehensive review and systematic evaluation of existing non-auto insurance products and terms, initiating upgrades to pricing models for various insurance products [2] - PICC has developed a marketing expense governance optimization plan to ensure transparency and compliance in expense management [2]

Core Viewpoint - The recent notification from the Financial Regulatory Bureau marks a comprehensive overhaul of non-auto insurance regulation, emphasizing the integration of reporting and operations, which is expected to enhance compliance and product management across the industry [1] Group 1: Regulatory Changes - The notification outlines a systematic optimization of non-auto insurance policies, focusing on product development, rate management, and strict adherence to approved insurance products [1] - The "reporting and operations integration" initiative is fully launched in the non-auto insurance sector, indicating a significant shift in regulatory expectations [1] Group 2: Company Responses - PICC Property and Casualty is actively involved in developing demonstration products for new insurance types and has initiated a comprehensive review and upgrade of existing non-auto insurance products to align with the new regulations [2] - Taiping Property and Casualty has established a dedicated task force to implement the "reporting and operations integration" as a key focus for 2025, ensuring systematic governance and compliance [4] - Ping An Property and Casualty is shifting its operational focus from scale and speed to quality and efficiency, aligning with the regulatory push for high-quality development [8] Group 3: System and Product Management - Taiping Property and Casualty is enhancing its internal systems to ensure compliance with the new regulations, including a comprehensive evaluation of product terms and the establishment of a management system for full lifecycle oversight [5][7] - The company is also working on optimizing marketing expense management to ensure transparency and compliance in expenditure [3] Group 4: Market Trends - The non-auto insurance sector has seen significant growth, with its share of total property insurance premiums increasing from 37.1% in 2019 to an expected 47.4% in 2024, indicating a robust expansion in this market segment [10] - In the first eight months of this year, total premium income for property insurance companies reached 1.22 trillion yuan, with non-auto insurance contributing 619.5 billion yuan, accounting for 50.8% of the total [10]