Investment Rating - The report does not explicitly provide an investment rating for the industry Core Insights - The report highlights the release of multiple economic promotion policies and regulations in February, aimed at stabilizing growth and enhancing financial openness, particularly for Hong Kong and Macau financial institutions [7][10] - The focus remains on the "Five Major Articles" in financial services, with regulatory bodies continuing to push for institutional development and service innovation [8][12] - There is an emphasis on strengthening the collaboration between fiscal, financial, and industrial sectors to enhance policy consistency [9] Summary by Sections 1. Overview of Financial Regulations in February - In February, 14 significant new regulations were released by various regulatory bodies, covering areas such as economic promotion, inclusive finance, green finance, personal information protection, and insurance [10] 2. Capital Market and the "Five Major Articles" - The China Securities Regulatory Commission (CSRC) issued implementation opinions on enhancing the capital market's role in supporting technology finance, green finance, inclusive finance, pension finance, and digital finance [16][17] - Specific measures include supporting quality technology companies in issuing shares, optimizing the system for mergers and acquisitions, and enhancing the service capabilities of financial institutions [23][25] 3. Insurance Group Concentration Risk Management - The National Financial Supervision Administration released guidelines to improve the risk management standards of insurance groups, emphasizing the need for a systematic approach to concentration risk management [29][30] - The guidelines require insurance groups to establish comprehensive risk management processes and improve information disclosure practices [32][36] 4. Trust Industry Regulations - New regulations were introduced to strengthen supervision and risk prevention in the trust industry, focusing on enhancing the core functions of trust companies and ensuring compliance with legal standards [39][40] - The regulations aim to improve the governance structure and risk management capabilities of trust companies [43][46] 5. Personal Information Protection - The National Internet Information Office published a compliance audit management method for personal information protection, which will take effect in May 2025 [51][56] - The method establishes a framework for conducting compliance audits and outlines the responsibilities of personal information processors and auditing institutions [52][53] 6. Rural Revitalization Initiatives - The Central Government issued a document aimed at promoting rural revitalization through systemic reforms and practical measures, including financial support for agricultural projects [61][65] - The initiatives focus on enhancing the financial services available to rural areas and improving the overall governance structure [66][68] 7. Government Financing Guarantee Development - A new management method for government financing guarantees was released to support small and micro enterprises and the agricultural sector, emphasizing performance evaluation and risk control [71][77] - The method aims to enhance the capacity of local government financing guarantee institutions and improve their operational standards [72][74]

■本报记者 田耿文 保险机构如何响应中央一号文件精神？近日，《农村金融时报》记者采访了在农业保险领域取得显著成 绩的中国人民保险集团股份有限公司（以下简称"中国人保"）相关负责人，探寻保险机构在农业保险领 域的创新布局和未来发展愿景。 早谋划早部署 "中国人保认真落实中央农村工作会议、中央一号文件有关要求，锚定建设农业强国总目标，将发展农 业保险作为服务'三农'的着力点，发挥保险业强农、惠农、富农的主渠道作用。"中国人保相关负责人 表示。 据该负责人介绍，中国人保每年都紧跟中央一号文件精神，提早谋划部署服务乡村振兴工作。在今年的 中央一号文件发布后，即召开全系统"服务深化农村改革助推乡村全面振兴"工作会议，并印发相关文 件，配套制定工作任务清单，定期督导进展、推进工作，确保重点任务和关键指标如期高质量完成。 同时，为确保中央完全成本保险和种植收入保险政策落地并落实到位，中国人保各级机构及时跟进当地 政府保险工作方案，做好完全成本保险和收入保险产品开发或修订的准备工作；强化承保验标，做好参 保农户的承保摸排，力争做到不误农时、应保尽保、颗粒归仓。另外，中国人保还加大无人机等科技应 用，严格落实精准承保要求，确保 ...

Investment Rating - The report does not explicitly provide an investment rating for the industry Core Insights - The report highlights the release of 14 important new regulations in February, focusing on economic promotion, inclusive finance, green finance, personal information protection, and insurance [7][9] - The emphasis on the "Five Major Articles" continues to be a priority for financial services, with regulatory bodies pushing for systemic reforms and service innovations [10][25] - There is a notable trend of enhanced collaboration between fiscal, financial, and industrial sectors, indicating a stronger alignment of policies [11] Summary by Sections 1. Economic Promotion - Multiple new policies were introduced to stabilize growth, focusing on rural revitalization, foreign investment, and consumer confidence [9][64] - The report outlines the government's commitment to improving the investment environment and supporting entrepreneurship [8] 2. Insurance - The Financial Regulatory Bureau issued guidelines to standardize concentration risk management for insurance groups, enhancing their risk management capabilities [28][29] - The guidelines emphasize the need for a systematic approach to managing concentration risks, including the establishment of multi-dimensional indicators and limits [30][33] 3. Trust Industry - New regulations aim to strengthen supervision and risk prevention in the trust industry, emphasizing the importance of adhering to the essence of trust services [38][41] - The report discusses the need for trust companies to enhance their governance and risk management frameworks [41][45] 4. Personal Information Protection - The National Internet Information Office introduced a compliance audit management method for personal information protection, effective from May 1, 2025 [49][56] - The framework aims to enhance the legal compliance of personal information processing activities and protect individual rights [56][58] 5. Rural Revitalization - The Central Government's document outlines strategies for rural revitalization, focusing on enhancing agricultural productivity and improving rural governance [62][66] - Financial mechanisms are proposed to support rural development, including the issuance of special financial bonds for agriculture [64][68] 6. Government Financing Guarantee - A new management method for government financing guarantees aims to support small and micro enterprises, enhancing their access to financing [73][79] - The report highlights the importance of risk control and the standardization of asset disposal processes to mitigate financial risks [80][81]

会议提出，要紧紧围绕中央一号文件明确的工作重点，慎终如始扛稳责任，毫不松懈抓好各项具体工 作，高质量完成过渡期目标任务。做强农业保险，夯实粮食安全根基；做好定点帮扶，扛起政治责任； 做优核心业务，服务农村民生改善；强化技术应用，为乡村振兴科技赋能；强化协同配合，开拓县域市 场；强化合规经营，防范风险促进发展。数据显示，2024年，中国人保服务乡村全面振兴工作取得新成 效。在保障粮食和重要农产品供给上，农业保险服务规模稳中有进，为5542万户次农户提供2.1万亿元 风险保障，向1757万户次农户支付农业保险赔款491亿元。三大主粮完全成本保险和种植收入保险为 2995万户次农户提供风险保障3123亿元。2024年，特色农产品保险数量超过3000个，提供风险保障4980 亿元。全国首创农业种质资源保护保险。在巩固拓展脱贫攻坚成果方面，对定点帮扶的黑龙江桦川县、 陕西留坝县、四川红原县、江西吉安县和乐安县支付各类赔款2.6亿元，向帮扶五县创造性捐赠保险提 供风险保障888亿元，优质高效完成各项帮扶任务。 中国人保服务乡村社会治理效能进一步提升，综合治理保险为4673万户次农户提供风险保障超过6万亿 元，农房保险为8 ...