"十四五"以来，我国金融业以加快建设金融强国为目标，在服务实体经济、防控金融风险、深化改革开放中实现了规模与质量的历史性跨越。跨入"十五 五"，科技自立、绿色转型、人口老龄化与外部博弈交织，金融体系亟待从规模扩张转向质量效益跃升。 在人口老龄化加速与居民养老意识不断提升的背景下，养老金融已成为保险行业服务民生、助力经济高质量发展的重要抓手。作为外资寿险领域标杆企 业，友邦人寿始终秉持"客户驱动"理念，致力于构建覆盖全生命周期的健康与养老保障体系。友邦人寿保险有限公司江苏分公司（以下简称"友邦江苏"） 坚持以客户为中心，积极布局养老金融，深耕保障型产品市场，全力打造江苏地区养老金融第一品牌。友邦江苏总经理杨东强近日表示，公司将持续加大 在养老金融领域战略投入，以"保障专家"角色强化专业能力、创新服务模式和人才培养机制，助力更多江苏家庭实现"健康长久好生活"。 深化布局持续创新 做江苏养老金融第一品牌 国家卫健委在"十五五"规划中明确提出，未来五年人口的人均预期寿命将提升至约80岁。在更长的生命周期里，能够提供长期 、稳定的养老现金流，正 成为现代家庭的迫切需求。与此同时，政策层面也在积极引导与支持养老金融体系的 ...

友邦人寿积极响应国家战略，将个人养老金业务提升至公司战略高度，视其为撬动养老金融领域的关键 抓手，举全公司之力投入这一市场，既做政策宣传员，更提供配套产品与解决方案，友邦也因此成为保 险行业中推广个人养老金业务成效最为显著的主体之一。从产品供给来看，与其他类型相比，保险类产 品在个人养老金产品中具有独特优势。自国家开展个人养老金税优政策试点以来，友邦人寿快速推出专 属税优产品，利用在养老保险上的丰富经验，2023年4月友邦人寿首次推出两款个人养老金产品，并在 当年8月进行升级，进一步在保障权益中契合客户需求场景。 杨东强表示："个人养老金制度是国家完善多层次养老保障体系的重要举措，也是实现'老有所养、老有 所依'的关键工具。消费者购买个人养老金产品既可享受税收优惠，又能为未来养老生活提供保障。"友 邦江苏在试点阶段就积极参与政策宣传和产品推广，依托卓越营销员团队进街道、进社区、进企业…… 充分发挥人才优势和服务优势，面对面为客户宣传个人养老金政策，解答疑惑，并协同公司内部专业的 税务专家、法务专家，为客户提供专业咨询。截至2025年10月底，友邦江苏已为近3.8万名江苏居民提 供个人养老金保障，累计保额超44 ...

Regulatory Dynamics - The three departments are exploring the construction of a forest insurance product system, including index insurance, yield insurance, income insurance, and liability insurance [7] - The Ministry of Commerce will increase support for export credit insurance and enhance the convenience of insurance services [8] - The Financial Regulatory Bureau has introduced new regulations for insurance company capital guarantee deposits [9] - In 2024, the compulsory traffic insurance premium income is projected to be 271.06 billion, with claims costs at 226.28 billion [10] - The Financial Regulatory Bureau has abolished 11 regulatory documents related to the insurance industry [11] - From January to July 2025, the insurance industry’s original premium income exceeded 4.2 trillion, with claims expenditures exceeding 1.5 trillion [12] - The Medical Insurance Bureau reported that from January to July 2025, the basic medical insurance fund income exceeded 1.68 trillion, with expenditures nearing 1.37 trillion [13] Company Dynamics - Ping An Life has made three significant investments in Agricultural Bank's H-shares within six months [20] - Minsheng Insurance increased its stake in Zheshang Bank's H-shares to 6.03% [21] - Hongkang Life raised its stake in Zhengzhou Bank's H-shares to 21.24% [22] - Hongkang Life also increased its stake in Honghua Smart Energy to 7.05% [23] - China Ping An plans to cancel 103 million A-shares [24] - China Life has established a venture capital fund with a registered capital of 1 billion [25] - Sunshine Life, along with Tencent and other partners, has set up an equity investment fund with an investment of approximately 22.43 billion [27] - AIA Life has established an equity investment fund in Tianjin with a total investment of 4.5 billion [28] - Guolian Life has set up a 1.22 billion fund to invest in new quality productivity and smart technology [29] - China Pacific Insurance reported a net profit of 27.885 billion for the first half of the year, a year-on-year increase of 11% [30] - China Taiping reported a net profit of 6.764 billion HKD for the first half of the year, a year-on-year increase of 12.2% [32] - New China Life's net profit for the first half of the year was 14.799 billion, a year-on-year increase of 33.5% [34] - China Life's net profit reached 40.931 billion for the first half of the year, a year-on-year increase of 6.9% [35] - China Insurance reported a net profit of 26.530 billion for the first half of the year, a year-on-year increase of 16.9% [36] - China Ping An's operating profit for the first half of the year was 77.732 billion, a year-on-year increase of 3.7% [38] - China Re reported total premium income of 103.835 billion for the first half of the year, with a net profit growth of 9.0% to 6.244 billion [41] Industry Dynamics - A total of 73 life insurance companies reported a combined net profit of 185.8 billion for the first half of the year, with a year-on-year increase of approximately 25% [64] - The first AIC equity investment fund that incorporates bank insurance funds has been established with a capital of 1 billion [65] - Another insurance asset private equity fund has completed registration [66]