近日，上海金融监管局制定专项工作方案，推进普惠金融高质量发展。 从政策搭建框架到机构填充细节，从服务覆盖广度到风险防控深度，上海普惠金融的实践正呈现出"全 方位、多层次、暖人心"的特点。当邱先生的工厂顺利发出铝型材订单、当张先生的父母住进翻新的房 子，这些具体而微的"民生小事"，正是上海普惠金融高质量发展最生动的注脚。 政策搭建普惠金融"四梁八柱" 实际上，截至2024年底，平安消费金融已累计服务超1000万客户，贷款余额突破500亿元，服务覆盖全 国31个省级行政区、近2500个县市，其中三线及以下城市客户占比近80%。"现在上海支持普惠金融有 了新政策，我们服务客户的资金规模要再上个台阶。"平安消费金融相关负责人表示。 按照规划，到2030年末，上海普惠金融服务覆盖率、服务能力与治理体系将实现全面提升，为普惠金融 高质量发展奠定坚实基础。 触达长尾客户 "国庆假期想给老家父母翻新房子，本来还在愁装修款，没想到领了平安消费金融的优惠券，算下来能 省两千多元利息。"在上海从事快递行业的新市民张先生，对着手机里的贷款审批结果露出笑容。 普惠金融政策落地后，像平安消费金融这样的机构迅速响应，第一时间推出适配产品， ...

近日，上海金融监管局制定专项工作方案，推进普惠金融高质量发展。 从政策搭建框架到机构填充细节，从服务覆盖广度到风险防控深度，上海普惠金融的实践正呈现出"全 方位、多层次、暖人心"的特点。当邱先生的工厂顺利发出铝型材订单、当张先生的父母住进翻新的房 子，这些具体而微的"民生小事"，正是上海普惠金融高质量发展最生动的注脚。 政策搭建普惠金融"四梁八柱" 上海金融监管局的政策"工具箱"，始终围绕普惠金融高质量发展精准发力。 近日，上海金融监管局制定专项工作方案，围绕"构建普惠金融服务体系、提升服务质效、增强风险防 控能力"三大核心目标，明确多项实操举措，为行业发展划定"路线图"。 触达长尾客户 "国庆假期想给老家父母翻新房子，本来还在愁装修款，没想到领了平安消费金融的优惠券，算下来能 省两千多元利息。"在上海从事快递行业的新市民张先生，对着手机里的贷款审批结果露出笑容。 普惠金融政策落地后，像平安消费金融这样的机构迅速响应，第一时间推出适配产品，让政策红利快速 转化为企业发展的"真金白银"。 依托全线上申请、便捷授信的优势，平安消费金融为新市民提供相应服务，为初入城市的年轻人提供专 属信贷方案——从日常消费到职业技 ...

房屋保险制度探索在途 在房屋安全管理领域，一场全新的变革正在悄然酝酿。10月13日，住建部党组书记、部长倪虹发表了署 名文章《新时代新征程城市工作要识变应变求变》。文章称，加快建立房屋体检、房屋安全管理资金、 房屋保险三项制度，为房屋全生命周期安全管理提供制度保障。 三项制度中，房屋保险制度无疑是保险业最受关注的热点。由于我国城镇存量住房数量庞大，且随着时 间推移，房屋老化、质量下降等问题日益凸显，给居民的生命财产安全带来严重威胁。因此，推行房屋 保险制度，为房屋提供全生命周期的安全保障，显得尤为迫切。作为一项新的制度安排，房屋保险将会 怎么保？具体保什么？与现在市面上的家财险将会有哪些区别？ 近日，住建部再次"吹风"房屋保险制度。倪虹日前发表了署名文章，其中提到，加快建立房屋体检、房 屋安全管理资金、房屋保险三项制度。 作为住建部提出的三项核心制度之一，房屋保险制度的探索与建立受到关注。有数据显示，截至2022年 底，我国城镇既有房屋中建成年份超过30年的接近20%，预计到2040年前后近80%的房屋将进入"老 年"。随着老旧住房比例的持续增长，房屋安全问题日益突出。通过保险手段对居民住房风险进行管理 与转 ...

Core Viewpoint - The article discusses the emergence and benefits of comprehensive family insurance products in China, highlighting their role in providing broader coverage against natural disasters and accidents, as well as innovative services aimed at risk reduction [1][2][3] Group 1: Overview of Comprehensive Family Insurance - Comprehensive family insurance schemes, such as "Beijing Puhui Home Insurance," offer coverage for household property losses due to natural disasters and accidents, as well as liability for third-party injuries and damages [1][2] - These new products are seen as an evolution of traditional home insurance, integrating various types of coverage including property loss, liability insurance, and personal accident insurance [1][2] Group 2: Product Features and Innovations - The insurance products are designed with a "basic + optional" model, allowing customers to choose additional coverage for specific risks, such as accidents involving domestic workers or pet-related incidents [2] - Services are being enhanced to include risk reduction measures, such as home safety inspections and provision of safety equipment, which aim to prevent incidents before they occur [3] Group 3: Market Reception and Data - The popularity of these comprehensive insurance products is reflected in sales figures, with "Hujia Bao" selling over 800,000 policies and paying out more than 10 million yuan in claims since its launch in August 2023 [3] - The cumulative risk coverage provided by "Rongjia Bao" has exceeded 5 trillion yuan, indicating strong market demand and trust in these new insurance offerings [3] Group 4: Regulatory and Developmental Context - The Chinese government is encouraging the development of these insurance products as part of a broader strategy to enhance risk management and promote high-quality growth in the insurance sector [1][2] - Local governments are utilizing accumulated risk and claims data to create "risk maps," which help identify and mitigate safety hazards in communities [3]

Core Insights - The article discusses the emergence and benefits of comprehensive family insurance products in China, highlighting their role in providing financial protection against natural disasters and accidents [1][2][3] Group 1: Product Overview - Comprehensive family insurance schemes, such as "Beijing Inclusive Home Insurance," offer coverage for household property losses due to events like fire, flooding, and theft, as well as liability for third-party injuries [2][3] - New products are designed as "home insurance+" which combines property loss insurance, liability insurance, and personal accident insurance into one comprehensive package [1][2] Group 2: Innovative Features - These insurance products include optional add-ons for specific risks, such as coverage for domestic workers' accidents and pet-related liabilities, enhancing the overall protection for policyholders [2][3] - Services like "whole house safety inspections" and risk reduction measures, such as providing safety equipment, are integrated into the insurance offerings to prevent potential losses [3] Group 3: Market Response and Data - The popularity of these comprehensive insurance products is evident, with "Shanghai Home Insurance" selling over 800,000 policies and disbursing over 10 million yuan in claims since its launch in August 2023 [3] - "Chengdu Rong Home Insurance" has served over 500,000 households for three consecutive years, providing risk coverage exceeding 5 trillion yuan [3] Group 4: Regulatory and Developmental Aspects - The Chinese government is encouraging the development of inclusive insurance products through policies aimed at enhancing risk management and promoting high-quality growth in the insurance sector [1][2]

Core Viewpoint - The article discusses the emergence and benefits of comprehensive family insurance products in China, highlighting their role in providing broader coverage and innovative services to households, particularly in the context of natural disasters and accidents [1][2][3]. Group 1: Product Features - Comprehensive family insurance schemes differ from traditional home insurance by offering a combination of property loss coverage, liability insurance, and personal accident insurance, thus providing a more holistic protection plan [1][2]. - These new insurance products cover various risks, including property damage from natural disasters, theft, and third-party liabilities, and some even extend coverage to specific scenarios outside the home [2][3]. Group 2: Market Trends - The popularity of comprehensive family insurance is increasing, with products like "沪家保" selling over 800,000 policies and paying out more than 10 million yuan in claims since its launch in August 2023 [3]. - The integration of risk reduction services, such as home safety checks and provision of safety equipment, is becoming a key feature of these insurance products, enhancing their appeal to consumers [3]. Group 3: Regulatory and Developmental Context - The Chinese government is encouraging the development of inclusive insurance products through policies aimed at enhancing risk management and promoting high-quality growth in the insurance sector [1][2]. - Local governments are utilizing accumulated risk and claims data to create "risk maps" that help identify and mitigate safety hazards in communities [3].

Core Viewpoint - The article discusses the emergence and benefits of comprehensive family insurance products in China, highlighting their role in providing broader coverage against natural disasters and accidents, as well as innovative services aimed at risk reduction. Group 1: Overview of Comprehensive Family Insurance - Comprehensive family insurance schemes are being introduced across various regions in China, with prices ranging from 100 to 500 yuan, aimed at providing extensive coverage to more families [1][2] - These new products combine traditional home property insurance with additional coverage for personal liability and accidental injuries, effectively creating a "home insurance +" model [1][2] Group 2: Coverage and Benefits - The insurance primarily covers two aspects: family property losses due to incidents like fire, flooding, and theft, and liability for third-party injuries or damages caused by household accidents [2] - Some products extend coverage to include accidents occurring outside the home and income loss insurance for new urban workers such as delivery personnel [2] Group 3: Innovative Services and Risk Reduction - Many comprehensive insurance plans are incorporating risk reduction services, such as home safety checks and provision of safety equipment, to enhance the overall protection for policyholders [3] - For instance, the "Beijing Puhui Home Insurance" offers risk reduction services like electric vehicle helmets and gas leak alarms, while "Chengdu Rongjia Insurance" provides home security devices and online consultations [3] Group 4: Market Reception and Data Insights - The popularity of these comprehensive insurance products is growing, with "Shanghai Hujia Insurance" selling over 800,000 policies and paying out more than 10 million yuan in claims since its launch in August 2023 [3] - The cumulative risk coverage provided by "Rongjia Insurance" has exceeded 5 trillion yuan, indicating a significant impact on household risk management [3]

Core Viewpoint - The Shanghai Financial Regulatory Bureau is leading the 2025 Shanghai Financial Education Promotion Week to enhance public awareness and understanding of financial rights and safety, aligning with national policies and focusing on people's well-being [1][2]. Group 1: Event Overview - The launch ceremony for the 2025 Shanghai Financial Education Promotion Week took place on September 15, 2025, with participation from over 100 financial institutions and citizens, emphasizing the theme "Protecting Financial Rights, Supporting a Better Life" [2]. - The event featured various activities, including financial knowledge presentations, educational performances, and a financial knowledge market with over 30 financial institutions engaging the public through interactive games and displays [3]. Group 2: Risk Awareness and Education - During the financial education week, a "Risk Awareness Delivery" initiative was implemented, aiming to disseminate financial knowledge and fraud prevention tips to every household in Shanghai through diverse channels and formats [4]. - Activities included financial knowledge markets in parks, community lectures on fraud prevention, online quizzes, and risk awareness videos in public spaces, integrating financial education with local culture and daily life [4]. Group 3: Consumer Protection Initiatives - The Shanghai Financial Regulatory Bureau has been focusing on consumer protection by establishing a regular mechanism for financial services that benefit the public, addressing issues such as improper sales practices and enhancing services for the elderly [5]. - Initiatives include the cleanup of "sleeping policies" and "dormant accounts," as well as the introduction of tailored financial products like "Huibao" and "Hujia" to promote inclusive finance [5]. Group 4: Dispute Resolution Mechanisms - The Shanghai Banking and Insurance Dispute Mediation Center has seen a significant increase in cases, handling 32,857 disputes in the first half of 2025, a 102.38% year-on-year increase, and successfully mediating 22,069 cases [6]. - A new structure with one center and ten branches has been established to facilitate efficient consumer dispute resolution, with a total of 7,770 cases processed since the branch's inception [7].

Core Viewpoint - The Shanghai Financial Regulatory Bureau is enhancing financial consumer protection and dispute resolution mechanisms, aiming to improve service capabilities and safeguard consumer rights in the financial sector [1][2]. Group 1: Dispute Resolution Mechanisms - The Shanghai Banking and Insurance Dispute Mediation Center handled 32,857 cases in the first half of 2025, a year-on-year increase of 102.38%, and completed 22,069 mediations [2]. - A new structure comprising one center and ten branches was established to provide efficient consumer protection, with 7,770 cases accepted since the branch's inception, involving a total amount of 410 million yuan [2]. - The center is exploring a "one point, one room, one mechanism" approach to enhance financial dispute resolution, with local courts collaborating to improve mediation services [2][3]. Group 2: Consumer Rights Protection Initiatives - The Shanghai Financial Regulatory Bureau is focusing on source governance by addressing irregularities in the sale of financial products and improving risk management in internet consumer loans [2]. - Financial institutions are being guided to enhance services for the elderly, including the evaluation of bank branches for age-friendly services and the construction of barrier-free environments [3]. - Initiatives such as the "sleeping policy" cleanup and reminders for dormant bank accounts are being implemented, alongside the promotion of inclusive credit and insurance products tailored for the local market [3].

Core Viewpoint - The Shanghai Financial Education Promotion Week 2025 has been launched, emphasizing high-quality financial services and the establishment of a "Shanghai model" for financial consumer protection to enhance the financial business environment in Shanghai [1] Group 1: Financial Consumer Protection - The Shanghai Financial Regulatory Bureau aims to build a comprehensive financial consumer protection framework, entering a phase of regular governance [1] - In the first half of 2025, the Shanghai Banking and Insurance Dispute Mediation Center handled 32,857 cases, a year-on-year increase of 102.38%, and completed mediation for 22,069 cases [1] - Since the establishment of the mediation sub-stations, a total of 7,770 disputes have been accepted, involving an amount of 410 million yuan [1] Group 2: Financial Education Initiatives - During the Financial Education Promotion Week, financial institutions in Shanghai will conduct activities to deliver financial knowledge and fraud prevention tips to households, ensuring coverage across all streets and towns [2] - Initiatives include outreach to schools, businesses, shopping districts, communities, and rural areas, as well as setting up financial knowledge markets in public parks [2] Group 3: Focus Areas for Improvement - The regulatory body is focusing on source governance by addressing irregularities in the agency sales business and guiding financial institutions to conduct thorough identity verification for borrowers [3] - There is an emphasis on improving financial services for the elderly, including the evaluation of bank branches for elderly-friendly services and enhancing accessibility [3] - The implementation of the "Financing Smooth Project" aims to improve and expand inclusive credit, alongside the introduction of city-customized inclusive insurance products [3]