以下文章来源于时代财经APP ，作者张昕迎 时代财经APP . 聚焦于企业财经新闻，互联网新闻信息服务许可证编号：44120230006 导语：50万亿存款到期潮来袭。 以广东龙川农商银行在1月7日发行的今年首期大额存单为例，其中分别包括6个月、一年期、两年期三款产品，利率分别为1.15%、1.3%、 1.35%。 更有部分短期大额存单利率已跌至1%左右。例如，安徽石台农商银行1月6日发行的2026年第一期大额存单，期限为三个月，利率仅为1%；无独 有偶，淮北农商银行1月7日发行的三个月期限大额存单，利率也在1%。 在存款利率持续下行的背景下，作为银行的"揽储利器"，相对高息的大额存单产品仍受到不少储户关注。 新年伊始，来自江苏的储户王先生（化名）便在某家国有大行存下了新年的第一张存单，一笔期限三年的30万元大额存款，年利率为1.55%。"只 能说利率一年比一年低，但每年都还是存一笔吧，也有些米面油可拿。"王先生表示。 自今年开年以来，多家银行正在密集推出2026年首期大额存单产品。时代财经根据中国货币网数据统计，截至1月7日，今年已有超过30家银行发 布2026年第一期大额存单发行公告；当下"开门红"活动正 ...

回溯来看，2025年内共有3家外资独资保险资管机构获批开业。9月，保德信保险资产管理有限公司（以 下简称"保德信保险资管"）在北京率先落地，成为全国首家由境外金融机构直接发起设立的独资保险资 管公司，其注册资本为2000万美元，全部由美国保德信保险公司认缴并以货币资金方式一次性足额缴 纳。 综合看，上述3家机构的股东背景均实力雄厚、历史悠长。其中，友邦人寿保险有限公司是中国内地首 家外资独资人身险公司。其实控方——友邦保险集团逾百年前发源于上海，目前业务覆盖亚太18个市 场；荷兰全球人寿保险集团是一家拥有超过180年历史的国际金融服务集团，1983年在阿姆斯特丹证券 交易所上市，在多个国际市场提供保险与资产管理服务；保德信金融集团业务遍及美国、亚洲、欧洲和 拉丁美洲等50个国家和地区，可以提供包括人寿保险、年金、共同基金和投资管理等产品和退休相关服 务。 2025年12月31日，上海金融监管局集中公布两则批复，正式批准友邦保险资产管理有限公司（以下简 称"友邦保险资管"）与荷全保险资产管理有限公司（以下简称"荷全保险资管"）两家外资独资保险资管 公司开业。此次获批标志着我国金融业对外开放再进一步，也体现出国际 ...

来源：中新经纬 李自曼 他介绍，长城人寿近年来进行了一系列主动调整。在负债端，公司自2024年起推动业务结构向浮动收益 产品转型，并于2025年停售了可能受利率波动影响较大的增额终身寿险产品；在战略上，则明确聚焦 于"中国家庭风险保障服务商"这一角色。 在长期低利率成为常态的背景下，保险资金运用面临收益与安全的平衡难题。谈及如何平衡收益性、安 全性与流动性，白力表示，长城人寿坚持"长钱长谋、长钱长投、长钱长留"的投资理念，构建了稳字当 头的哑铃型策略。 "保险业正处在一个关键节点，其核心任务是从追求规模的'增长逻辑'，回归到追求价值的'生存与发展 逻辑'。谁能更稳健、更专注，谁才能在周期波动中建立可持续的优势。"近日，长城人寿保险股份有限 公司(下称长城人寿)董事长白力在接受中新经纬专访时说。 白力指出，当前，中国经济正处于高质量发展的关键转型期，保险公司的成长，必须自觉融入中国式现 代化进程，在服务实体经济、完善社会保障、参与社会治理中实现自身价值。 长城人寿董事长 白力 受访者供图 减少路径依赖 面对行业深度调整，白力指出，中小型险企必须放弃对市场份额的盲目追逐，找到差异化、可持续的生 存之道。 在白力看 ...

That could be much less depending on your work record and when you claim your benefit; if you don’t wait until your full retirement age of 67, your benefit will be permanently reduced.As of August 2025, the average Social Security retirement benefit for a retired worker was $2,008 per month. That’s just $24,000 a year. (3)So there’s a legitimate reason for working Americans to be concerned. Regardless, even if a solution is found and benefits aren’t slashed, the average Social Security retirement benefit ri ...

专题：第20届中国保险创新论坛 12月17日金融一线消息，以"融创共生"为主题的第20届中国保险创新论坛暨第20届中国保险创新大奖颁 奖盛典今日在常州举行。论坛主席、保险文化杂志社社长张迎宾为论坛致辞。 张迎宾指出，未来的赢家，将不再是销售最多保单的公司，而是最懂得客户、最能管理风险、最能整合 生态的"生命服务伙伴"。保险业破局的关键，在于我们能否有勇气用熊彼特的魄力去自我颠覆，用德鲁 克的智慧去系统布局，并用克里斯坦森的警醒去双轨前行。 张迎宾 论坛主席、保险 文化杂志社社长 以下是张迎宾的致辞全文： 一方面，是汹涌而来的浪潮：人工智能、大数据、物联网，这些技术不再是遥远的名词，而是正在重塑 我们业务逻辑的现实力量。我们的客户也变了，他们不再满足于一张标准化的、冷冰冰的保单，他们需 要的是个性化、场景化、甚至即时的保障服务。更不用说，那些手握数据和流量的科技巨头、新兴平 台，正虎视眈眈地准备跨界进入我们的赛道。腾讯、蚂蚁金服、比亚迪已经进来了。 而另一方面，是我们保险业数百年沉淀下来的"稳健基因"。我们崇尚审慎、注重风控、流程严谨。这种 基因让我们穿越了无数经济周期，但也让我们在面对颠覆性创新时，显得有些步 ...

"十五五"规划建议指出，大国关系牵动国际形势，国际形势演变深刻影响国内发展。当前，全球发展和 治理处于再平衡进程之中，国际秩序正在从"超级大国主导的全球化"向"阵营化、碎片化、多重平衡"进 行范式转型。供应链从全球分工转向友岸外包、本土化制造，科技链从开放合作转向"壁垒—联盟"模 式，"安全"超越"效率与增长"成为国家与企业决策函数中的优先项。同时，由于主要国家经济贸易体系 已高度融合，经济全球化动力仍存。特别是以我国为代表的新兴经济体，依托"一带一路"倡议、大金砖 合作、南南合作等机制，推动国际规则、标准共建和数据、技术、文化融合，持续为经济全球化注入正 能量。 国际秩序的范式转型，一定程度上是全球贸易分工从垂直体系向多极水平体系演进的结果。二战后全球 形成垂直分工体系，即"中心—外围"结构：发达国家作为"中心"控制研发与营销等高附加值环节，发展 中国家作为"外围"承担利润相对较低的制造环节。这种格局于20世纪末开始松动，现在已难以为继。以 我国为代表的新兴经济体在产业链、价值链高端不断突破，正在打破发达国家对"微笑曲线"两端的垄 断，带来全球产业分工从"垂直"向"水平"的格局重构，传统垂直体系的利润传导机 ...

Core Insights - The article highlights the journey of Liu Liping, who entered the insurance industry at the age of 49 and achieved significant success, demonstrating that it is never too late to start a new career [1][8] - Liu's transition from a stable financial accounting role to a wealth and health advisor showcases the importance of finding the right platform for career growth and professional development [4][8] Background and Experience - Prior to joining the insurance industry, Liu Liping worked as a financial accountant in a manufacturing hub, building a strong client base among factory owners who trusted her expertise [2] - She recognized the evolving financial challenges faced by her clients during economic transitions and saw the potential of insurance products to provide comprehensive solutions for wealth management and legacy planning [2] Key Opportunities - Liu's decision to join Ping An Life was influenced by the company's "High Talent Program," which offered income security and professional development opportunities, addressing common concerns of transitioning professionals [4] - The scale and resources of Ping An Life provided Liu with renewed confidence in her career, allowing her to envision a long-term commitment to the insurance profession [4] Continuous Learning and Development - Liu emphasizes the importance of continuous learning, especially as one ages, and credits Ping An Life's comprehensive training mechanisms for her professional growth [5][6] - The "Zhi Niao" platform offered by Ping An Life allows for flexible, on-the-go learning, enabling agents to stay updated and engage more effectively with clients [6] Service Enhancement and Career Longevity - Since joining Ping An Life, Liu has been able to provide more comprehensive and systematic solutions to her clients, integrating various resources to address their wealth planning and quality of life needs [7] - The company’s ecosystem includes family offices, trust tools, and healthcare services, facilitating a holistic approach to client needs from wealth management to life quality [7] Conclusion - Liu Liping's experience illustrates that age is not a barrier to success in the insurance industry; rather, the right platform and mindset can redefine one's career path [8] - The article encourages professionals to seize opportunities within established companies to build a sustainable and rewarding career in insurance [8]

Summary of China Life Insurance Conference Call Company Overview - **Company**: China Life Insurance - **Date**: December 11, 2025 Key Points Industry and Regulatory Environment - The insurance industry's solvency is impacted by the new K1 coefficient rules, which penalize unrealized losses more than they reward unrealized gains, discouraging investment [2][6] - Regulatory adjustments have been made regarding the pace of insurance capital entering the market, affecting solvency coefficients [3] Financial Performance and Solvency - China Life's solvency ratio decreased in Q3, primarily due to changes in the interest rate curve and an increased proportion of equity investments [2][9] - The company expects net assets to be affected by declining interest rates in 2026, but overall conditions may improve once the liability assessment curve stabilizes [10] Investment Strategy - The company maintains a neutral and flexible strategy for long-term bond investments, with over 40% of investments in bonds with maturities exceeding ten years [2][5] - China Life will not significantly extend the duration of its bond investments despite market pressures, while some smaller insurers may increase their bond allocations due to previous underexposure [5] Product Development and Sales Channels - Significant growth in new policies through the bancassurance channel is expected, with a projected growth rate of 30-50% in 2026 [2][14] - The company aims to maintain a stable dividend payout ratio above 35%, even amidst market volatility, to provide consistent returns to shareholders [2][15] Challenges and Market Dynamics - The market for participating insurance products shows high demonstration rates, with China Life's rates between 3.5% and 3.9%, which are not reflective of actual customer returns [4][11] - The company is researching the development of participating critical illness insurance, anticipating regulatory guidelines before launching sales [4][17] Risk Management and Capital Allocation - China Life's minimum capital requirements are higher than peers due to its business structure and market risk management [6] - The company does not plan to frequently trade based on market volatility, focusing instead on long-term value assessments [7] Future Outlook - The company expects a stable solvency ratio in the next quarter, with no immediate plans for reclassification adjustments unless solvency conditions change significantly [3][10] - The overall market for critical illness insurance is expected to diversify, with a shift towards more comprehensive health insurance products rather than traditional fixed benefit models [17] Conclusion - China Life Insurance is navigating a complex regulatory environment while focusing on maintaining solvency and stable returns for shareholders. The company is strategically positioned to leverage growth in bancassurance and adapt to changing market dynamics in health insurance.

Core Insights - Many pre-retirees and current retirees fear running out of money too soon, which is a valid concern given the general trend of insufficient retirement savings among Americans [2][7] - Social Security benefits only replace about 40% of pre-retirement income, which is inadequate for maintaining living standards, especially with rising healthcare costs as individuals age [2][6][7] Retirement Funding Strategies - One potential strategy for funding retirement is purchasing an annuity, which can provide a stable income and reduce reliance on stock market performance [4][5] - Annuities grow on a tax-deferred basis, allowing for increased savings without immediate tax liabilities until withdrawals begin [5] - Annuities can offer lifetime income guarantees, making them a suitable supplement to Social Security and providing a reliable source of income throughout retirement [6][7]

It has been about a month since the last earnings report for Prudential (PRU) . Shares have added about 4.7% in that time frame, outperforming the S&P 500.Will the recent positive trend continue leading up to its next earnings release, or is Prudential due for a pullback? Well, first let's take a quick look at the most recent earnings report in order to get a better handle on the recent drivers for Prudential Financial, Inc. before we dive into how investors and analysts have reacted as of late.Prudential F ...