从滩涂渔火到万家灯火，从边陲小镇到国际都市，深圳用45年时间书写了中国改革开放的"奇迹样 本"。中国人寿深刻认识深圳在国家改革开放大局中的定位和作用，以实际行动服务国家战略落地。从 精准滴灌实体经济到完善社会保障体系，从创新赋能科创高地到守护绿色生态家园，无数国寿人正 以"闯"的精神、"创"的劲头和"干"的作风，护航鹏城接续书写着新时代"春天的故事"。 保活力——"深圳的土特产是企业家" 深圳是中小微企业最活跃的城市，2024年全市平均每月新增经营主体近5万户。然而中小微企业往 往受限于规模小、信用记录不完善、抵押物不足等困境，融资难题像"紧箍咒"制约其发展，招人留人有 较大难度。 如何让这片沃土上的民营企业和小微企业吃下"定心丸"，让这座"民营经济第一城"跑得更快？中国 人寿充分发挥综合金融优势，优化产品服务供给，从风险保障、投资支持、融资服务等方面多措并举， 支持小微企业发展。 中国人寿集团旗下寿险深圳分公司运用市场大数据精准细分产业风险图谱总结提炼产业共性风险， 创新打造"团单八大保"，推出工业保、交通保、商铺保、专精特新保、科技保等系列产品，为制造业、 新能源、生物医药等特区支柱和新兴领域的企业量身定 ...

Core Insights - The overall performance of Shenzhen's banking and insurance sectors in the first half of 2025 is stable, with significant growth in various financial metrics [3][4][5] Banking Sector Summary - As of June 30, 2025, the total assets of the banking sector in Shenzhen reached 13.98 trillion yuan, a year-on-year increase of 3.64% - The total liabilities amounted to 13.61 trillion yuan, growing by 3.7% year-on-year - The balance of various loans was 9.83 trillion yuan, up by 3.46% year-on-year, while the balance of deposits was 10.22 trillion yuan, reflecting a growth of 6.70% year-on-year [3] Insurance Sector Summary - The insurance sector achieved original insurance premium income of 121.31 billion yuan in the first half of 2025, marking a year-on-year increase of 7.96%, the highest growth rate among first-tier cities - Claims paid out reached 38.74 billion yuan, with an increase of 8.84% year-on-year [3] Economic Support Initiatives - The Shenzhen Financial Regulatory Bureau has implemented measures to support the stable operation of the local economy, including enhancing consumer finance services, with personal consumption loans reaching 817.70 billion yuan, a year-on-year growth of 7.63% [4] - A total of 1.12 trillion yuan in loans was provided to foreign trade enterprises, with small and micro foreign trade enterprises receiving 124.53 billion yuan, up by 5.43% year-on-year [3] Focus on Key Sectors - Financial support for the manufacturing sector has been emphasized, with manufacturing loans totaling 1.61 trillion yuan, a year-on-year increase of 6.47% - High-tech manufacturing loans reached 1.03 trillion yuan, growing by 6.73% year-on-year [4] Support for Small and Micro Enterprises - The financial support for small and micro enterprises has been enhanced, with a total of 667.49 billion yuan in loans issued, leading the growth among major cities - The balance of inclusive small and micro enterprise loans was 1.96 trillion yuan, reflecting a year-on-year increase of 6.59% [5] Enhancements in Public Welfare Insurance - The launch of the "Shenzhen Huijia Bao" insurance product aims to improve disaster resilience for citizens, with 34,800 policies issued and premium income of 2.28 million yuan since its launch [6] - The "Shenzhen Huimin Bao" insurance product has been upgraded to expand coverage while maintaining premium rates, with 6.15 million participants [6]

会上披露了深圳银行业保险业重要数据。2025年上半年，深圳银行业保险业运行整体平稳。银行业方面，截至6月末，深圳金融监管局监 管的银行业资产总额 为 13.98万亿元，同比增长3.64%；负债总额 为 13.61万亿元，同比增长3.7%。各项贷款余额 为 9.83万亿元，同 比增长3.46%；各项存款余额 为 10.22万亿元，同比增长6.70%，资产、负债、存贷款规模均稳居全国大中城市第三位。 保险业方面，上半年实现原保险保费收入1213.07亿元，同比增长7.96%，增速居一线城市首位 ； 赔付支出387.43亿元，同比增长 8.84%。 深圳金融监管局上半年的主要工作包括： 一是全力助力深圳经济平稳运行。 指导机构积极落实国家促消费各项政策，持续提升消费金融服务能力，更好满足消费领域金融需求。截 至6月末，全市个人消费贷款余额 为 8177.03亿元，同比增长7.63%。联合印发《深圳市金融支持外贸的若干措施》，提出七方面20项具 体举措，推动辖内机构护航外贸发展。指导金融机构创新打造"跨境电商保""微贸贷"等特色外贸金融产品和服务，依托中国（深圳）国际 贸易单一窗口平台进一步丰富"外贸金融超市"产品供 ...

Core Insights - The 2025 Shenzhen Huimin Insurance program has seen a record participation of over 6.15 million individuals, with coverage extending from July 1, 2025, to June 30, 2026, providing a full year of protection [1] - The program maintains its inclusive nature by allowing participation without restrictions on age, occupation, or health status, and now includes Shenzhen residents with cross-regional medical insurance [1] - The insurance premium has remained stable at 88 yuan per person per year for three consecutive years, while significant upgrades to coverage have been introduced for the 2025 plan [2] Participation and Coverage - The program has attracted participation from nearly 26,000 enterprises, covering over 1.05 million employees, reflecting corporate commitment to employee welfare [2] - The maximum age of participants has reached 113 years, while the youngest is just five days old, showcasing the program's broad demographic reach [1] Benefit Enhancements - The 2025 plan features a substantial reduction in deductibles, with some treatment deductibles lowered by 4,000 yuan compared to the previous year, and a maximum reduction of 28.6% for continuous participants [2] - New coverage includes self-paid hospitalization treatments, with specific advanced medical procedures now eligible for claims, and the reimbursement limit for rare diseases has been increased to 600,000 yuan per year [2] Claims and Payouts - The program has already facilitated claims for participants, with the first payout occurring the day after the coverage became effective, indicating a lower threshold for claims [3] - A notable case involved a participant with significant medical expenses, where the insurance covered 31,066.26 yuan after the initial reimbursement from Shenzhen medical insurance [3][4]

Regulatory Dynamics - The National Financial Regulatory Administration issued the "Financial Institutions Product Suitability Management Measures," effective from February 1, 2026, to enhance consumer protection and appropriate management of financial products [5][6]. - Seven departments encouraged childcare service institutions to purchase liability insurance and property insurance [7]. - The State Council is promoting the internationalization of the reinsurance industry [10]. - The Ministry of Finance announced that state-owned commercial insurance companies will implement long-term assessments starting this year, adding five-year indicators [11]. - The National Development and Reform Commission reported that over 180 million people are expected to be insured under long-term care insurance during the "14th Five-Year Plan" period [12]. Company Dynamics - AIA Group acquired 2,252 apartments in Shanghai [21]. - Hongkang Life increased its stake in Zhengzhou Bank, triggering a mandatory bid [22]. - Zhong An Online completed the placement of new H-shares, raising approximately 3.92 billion HKD [23]. - AIA faced a sell-off of 3.7% of its shares by the Kuwait Investment Authority, realizing 26.8 billion HKD [24]. - Jintai Property Insurance received approval for an 800 million yuan capital increase [25]. - Taikang Life reported insurance claims of 9.92 billion yuan in the first half of the year [27]. - China Pacific Insurance announced a cash dividend of 1.08 yuan per share, totaling approximately 10.39 billion yuan [29]. Industry Dynamics - There were 88 changes in core executive positions in the insurance industry in the first half of the year, reflecting a search for solutions amid multiple pressures [47]. - The insurance industry faced over 600 penalties in the first half of the year, with providing false materials being a major issue [49]. - The registration scale of "insurance ABS" exceeded 180 billion yuan, marking a 46% year-on-year increase [50]. - Insurance capital has made 20 bids for listed companies this year, matching last year's total [51]. - Insurance capital has achieved a 15% excess return from investments in Hong Kong stocks [52]. - The insurance sector is expected to increase allocations to equity assets in the second half of the year, focusing on high dividend and high growth stocks [53]. - Five insurance-related private equity fund companies have been approved, with three products already in the market [54]. - The employment report for 2025 insurance graduates indicates a 96.3% employment rate, with a significant demand for talent in the insurance and technology sectors [55].

Group 1 - The core viewpoint of the article highlights that the number of participants in the 2025 "Shenzhen Huimin Insurance" has exceeded 6.15 million, marking a new record [1] - The enrollment period for the insurance ended on June 30, and the coverage service period is set from July 1, 2025, to June 30, 2026 [1] - The initiative is guided by the Shenzhen Municipal Medical Security Bureau, Shenzhen Local Financial Management Bureau, and the Shenzhen Regulatory Bureau of the National Financial Supervision Administration [1]

"深圳惠民保"由深圳市医疗保障局、深圳市地方金融管理局、国家金融监督管理总局深圳监管局共同指 导，保费连续3年维持不变，88元/人/年，日均仅需0.24元，保障超400万元，且参保条件条件宽松，不 限年龄、健康状况、职业，只要有深圳医保或有异地医保的深户都能保。 智通财经记者从"深圳惠民保"承保机构获悉，2025年度"深圳惠民保"参保将于今晚24时截止，未参保的 市民需抓紧办理，保障将于2025年7月1日0时生效，为参保人开启为期一年的保障。 ...

Group 1 - The core viewpoint of the articles highlights the benefits of the "Shenzhen Huimin Insurance" program, which allows residents to access advanced cancer treatment drugs from Hong Kong and Macau without the need for cross-border travel, significantly reducing their financial burden [1][2] - The program covers specific cancer treatment drugs, such as "Injection Rubrictin," which has been utilized by patients like Mr. Li and Ms. Zhou, leading to substantial reimbursements after medical expenses [1] - The total medical expenses incurred by Mr. Li amounted to 255,800 yuan, with the insurance covering 72,000 yuan after deducting the deductible, while Ms. Zhou's expenses were 129,500 yuan, with the insurance covering 18,600 yuan [1] Group 2 - The "Shenzhen Huimin Insurance" program for 2025 will see improvements, including a reduction in the deductible from 35,000 yuan to 31,000 yuan, and a further reduction to 30,000 yuan for those who have been insured for over two years, thus lowering the claims threshold [2] - The coverage will expand to include 17 types of medical products from Hong Kong and Macau, with an annual maximum reimbursement limit of 500,000 yuan, enhancing access to quality medical resources for residents [2] - The enrollment deadline for the 2025 "Shenzhen Huimin Insurance" program is set for June 30, and it is open to individuals who are normally enrolled and pay Shenzhen medical insurance, as well as Shenzhen residents with medical insurance from other locations [2]

Core Points - The "Shenzhen Huimin Bao" insurance program for 2025 is nearing its enrollment deadline, which will close on June 30, leaving only 6 days for citizens to sign up [1] Group 1: Enrollment Eligibility - Individuals with pre-existing conditions can enroll and will receive the same compensation ratio as healthy individuals [2] - Residents aged 60 and above can enroll, including those with basic medical insurance or those participating in out-of-town insurance [3] - Students with Shenzhen residency studying out of town can also enroll, provided they confirm their identity during the process [8] Group 2: Benefits and Services - Even if the insurance is not utilized for medical expenses, enrollees can access seven exclusive health services, including medication live streaming and health assessments [4] - The annual premium is set at 88 yuan per person, with coverage exceeding 4 million yuan per year, regardless of age or health status [7] Group 3: Payment and Claims Process - Individuals without Shenzhen medical insurance can still enroll and use their medical account balance to pay premiums for eligible family members [6] - Those participating in out-of-town insurance must first claim reimbursement through their local insurance before applying for claims via the "Shenzhen Huimin Bao" platform [9] - Various payment methods are available, including WeChat Pay and other online platforms, as well as offline service windows for assistance [9]

Core Viewpoint - The "Shenzhen Huimin Insurance" program has seen significant participation from enterprises, with nearly 15,000 companies enrolling their employees for the 2025 coverage year, indicating strong support for employee health insurance initiatives in Shenzhen [1] Group 1 - The group online application for "Shenzhen Huimin Insurance" will close at the end of this month, highlighting a time-sensitive opportunity for companies to enroll their employees [1] - The program is jointly guided by the Shenzhen Municipal Medical Security Bureau, Shenzhen Local Financial Management Bureau, and the Shenzhen Regulatory Bureau of the National Financial Supervision Administration, showcasing a collaborative effort in enhancing employee welfare [1] - This year, the insurance premium remains unchanged while the coverage has been comprehensively upgraded, which includes significantly lowering the claims threshold and expanding the scope of self-paid coverage [1]