Regulatory Challenges - The insurance intermediary industry in China is undergoing a transformation from "scale expansion" to "quality improvement" due to the continuous enhancement of the financial regulatory system [1] - The introduction of the "Financial Institutions Compliance Management Measures" in 2024 imposes higher requirements on compliance management, information disclosure, and business model innovation for insurance intermediaries [1][3] - Listed insurance intermediaries face significant challenges in meeting capital market transparency demands while addressing regulatory actions aimed at eliminating industry irregularities [1] Compliance Management - The new compliance management measures require insurance intermediaries to have qualified compliance officers and independent audit committees, raising the bar for human resources and governance structures [3] - Failure to adjust to these requirements may lead to administrative penalties or business restrictions [3] Internet Business Regulation - The tightening of regulations on internet insurance necessitates the establishment of an integrated online and offline service system, requiring companies to invest more resources in optimizing service processes and ensuring data security [3] Information Disclosure - Listed companies must comply with regulatory requirements for timely disclosure of shareholder information, internet business operations, and mandatory insurance data, posing challenges for financial management and information transparency [3] Capital Structure and Financial Pressure - National insurance brokerage firms must maintain a minimum registered capital of 50 million yuan, while regional firms require at least 10 million yuan, necessitating compliance in capital structure during shareholder changes [3] Industry Trends - The demand for travel insurance and accident insurance is surging due to the recovery of the cultural tourism industry, presenting opportunities for companies to optimize risk pricing through data modeling [3] - The aging population is driving demand for long-term care and health insurance, prompting companies to develop "insurance + health management" services in collaboration with medical institutions [3] - Technology is enabling compliance and efficiency improvements, with AI and blockchain being utilized to optimize policy management and claims processes [3] Corporate Strategies - Companies should establish a long-term compliance mechanism and conduct regular internal audits to ensure adherence to regulatory requirements [2][3] - Emphasizing compliance and innovation as dual drivers will help companies navigate the capital market effectively [2] - Developing customized products for specific demographics, such as the elderly and high-net-worth individuals, can enhance competitive advantage [3] - Investing in smart risk control systems and utilizing big data for customer needs analysis can improve operational efficiency and customer satisfaction [3]

"在互联网科技的带动下，保险行业正面临价值重塑。眼下，基于场景的保险产品已初步显露了其市场 能力。我们相信，场景需求将会持续带动保险行业实现高增长。"致保科技有限公司（以下简称"致保科 技"）董事会主席马波涛4月22日在接受《证券日报》记者采访时表示。 日前，致保科技披露2025财年上半年业绩。数据显示，2024年6月30日至2024年12月31日（以下简称"报 告期"），致保科技收入同比增长74%至1.46亿元，其C端用户突破2000万人，同比增长100%。据中国 保险行业协会数据，2024年，在保险行业报行合一的监管新规下，传统保险中介机构业务平均收缩率达 35%。对比之下，致保科技的财报数据非常亮眼。 "致保科技已建立前端风控+后端理赔的全链条服务能力，收费来源不会受单一费差的影响。"马波涛 称。 场景化保险： 巨大需求未被满足 如何定义基于场景的保险产品？马波涛向记者举一个案例：养宠物是许多90后、00后的生活方式，当宠 物发生医疗需求、宠物主人在线支付诊疗费时，系统会自动推荐宠物医疗险等定制产品。类似的，租车 时自动推荐车险、下单旅游产品时"顺势"推荐"行程取消险"、购物时加购运费险等都是基于场景渗 ...