服务小微与农业，助力实体经济稳根基 针对民营、小微企业和个体工商户"融资难、融资贵"问题，中国人寿财险持续推广"政银保""提放保"等 模式，2025年上半年服务中小微企业84.98万家，提供风险保障59.1万亿元，支持1427家小微企业获得融 资46.41亿元。 在农业保险领域，公司形成"广覆盖、多品类、深保障"的农险格局，上半年为790.91万户次农户提供风 险保障3305.67亿元。地方特色险种如云南普洱茶品质保险、山东冠县樱桃种植保险、四川生猪热应激 指数保险等，则成为农民稳产增收的"定心丸"。今年前三季度，云南分公司为农户提供风险保障409亿 元，支付赔款1.28亿元，惠及农户7.3万户次。 转自：新华财经 在中国式现代化进程中，保障和改善民生是核心任务。作为金融央企，中国人寿财险始终坚持以人民为 中心的发展思想，聚焦主责主业，充分发挥经济"减震器"和社会"稳定器"功能，在服务国家战略、支持 实体经济、守护人民美好生活的道路上稳步前行。 普惠金融扩面提质，民生保障更有温度 中国人寿财险积极响应国家金融监督管理总局关于做好金融"五篇大文章"的部署，持续丰富普惠保险产 品供给，构建广覆盖、多层次的普惠保险 ...

"在线问诊、送药上门，0免赔额直赔。"面对保险行业数字化转型趋势及后疫情时代互联网医疗需求激 增的要求，公司创新推广"e诊保"，让医疗保障更具科技温度。依托智能系统与大数据技术，配备完善 互联网医院，推动"保险+健康"生态建设，同时为行业探索场景化服务模式提供参考。 作为道路交通事故社会救助基金受托管理机构，该公司始终秉承"人民至上、生命至上"的理念，以保障 群众生命安全、化解社会矛盾、促进社会和谐为己任，着力推动救助基金从"账上资金"转变为"救命活 水"，向社会交出了一份有"温度"的民生答卷。通过构建"事故发生—伤者入院—主动介入"的极速响应 链条，仅今年上半年就实施道路救助250笔，垫付救助资金1918万元，有效保障了群众生命安全和身体 健康。 织密保障网络：让民生服务更具烟火气 中国人寿财险山东省烟台市中心支公司十分重视农民工权益保障，创新推出农民工工资支付保证保险产 品。"我们严格践行'两个只要'服务承诺 ——只要当地人社部门出具事实认定书即认可属于保险责任， 只要保险责任成立即按承诺时效完成赔付。"据公司总经理胡善斌介绍，该模式获多地人社、住建部门 认可并正式收录至国务院《根治拖欠农民工工资工作领导 ...

Core Insights - The global insurance industry is undergoing significant transformation in 2024 due to natural disasters causing $320 billion in losses, geopolitical conflicts increasing special risk premiums, and fluctuating asset valuations from changing interest rate policies [1] - In China, the insurance market is experiencing growth with total premium income expected to reach approximately 5.7 trillion yuan, a year-on-year increase of 11.15%, which positively impacts the reinsurance market [1] Group 1: Financial Performance - China Reinsurance achieved insurance service revenue of 101.36 billion yuan in 2024, a year-on-year increase of 1.6% [1] - Net profit reached 11.08 billion yuan, up 91.3%, with net profit attributable to shareholders at 10.56 billion yuan, an increase of 86.8% [1] - The weighted average return on equity rose by 4.52 percentage points to 10.74%, with a dividend per share of 0.050 yuan, reflecting a 19.0% increase [1] Group 2: Underwriting and Investment Performance - The underwriting performance of China Reinsurance saw a record high in 2024, with a year-on-year growth exceeding 170% [3] - The combined ratio for domestic property reinsurance increased by 0.33 percentage points to 99.86%, while the overseas business ratio rose by 3.64 percentage points to 89.38%, maintaining a healthy level [3] - Total investment income reached 17.39 billion yuan, a year-on-year increase of 86.9%, with an investment yield of 4.83%, up 2.06 percentage points [4] Group 3: Strategic Positioning and Market Opportunities - China Reinsurance holds a dominant position in the domestic reinsurance market, with a client coverage rate of 98% and over 40% of contracts as the chief reinsurer [6] - The company is capitalizing on the historical opportunity in the reinsurance sector, as the insurance asset ratio in China is only 7%, significantly lower than the international average [5] - China Reinsurance is innovating to meet new market demands, such as launching "zero deductible" health insurance products and tailored insurance for specific groups [7][8] Group 4: Contribution to National Strategy - The company is actively involved in the national catastrophe insurance system, participating in pilot projects across 21 provinces and cities [8] - China Reinsurance has established a technology company focused on catastrophe risk management, developing proprietary models for natural disasters [8] - The firm is also contributing to the construction of the Shanghai International Reinsurance Center, enhancing its international presence and market influence [8]