南方财经全媒体记者 林汉垚 实习生 徐若萱 2026年1月，各大保险机构相继披露2025年度理赔服务报告，中国保险业在过去一年的理赔"成绩单"正式出炉。 21世纪经济报道记者梳理中国人寿、中国人保财险、新华保险、泰康人寿、富德生命人寿及中汇人寿等多家险企发布的报告发现，行业整体赔 付规模持续扩容。其中，中国人寿寿险理赔总金额突破1004亿元，同比增长10%；新华保险赔付总金额达147亿元，日均赔付4029万元；泰康 人寿全年赔付96亿元；平安产险单笔最高赔付金额2.77亿；富德生命人寿理赔总金额达38.18亿元。 巨额赔付数字背后，商业保险的职能正在发生转变：医疗险正从低频工具向高频的日常支付手段演变，科技赋能使得理赔全流程时效大幅提 速，而险资在服务国家战略与实体经济中的"稳定器"作用亦愈发凸显。 医疗险赔付高频化 2025年的理赔数据呈现出一个显著趋势：高频、小额的医疗理赔已逐渐占据保险服务的主流份额，商业保险与居民日常就医支付环节的融合度 正在加深。 从理赔件数结构来看，医疗险的高频特征尤为明显。富德生命人寿发布的报告显示，在其全年35.11万件理赔案件中，医疗险理赔案件以31.97 万件占据了91.0 ...

Core Insights - The company expresses gratitude to all employees, retirees, partners, and clients as it approaches the new year of 2026, highlighting the achievements of 2025 as a year of high-quality development and successful completion of the "14th Five-Year Plan" [2][13] Group 1: Achievements and Financial Performance - The company has launched new products and models such as "Kehui Insurance" and "Zhiwei Insurance," contributing to stability in foreign trade, supporting innovation, and enhancing consumer protection [3][14] - The total insurance liability amount during the "14th Five-Year Plan" period reached 13.9 trillion yuan, with total compensation payments of 2 trillion yuan, averaging 1.1 billion yuan per day, showcasing the company's leadership role in the industry [3][14] - The group's premium income has surpassed 730 billion yuan, exceeding the targets set in the "14th Five-Year Plan," with net profits reaching a historical high and significant growth in new business value for life insurance [4][15] Group 2: Reforms and Strategic Initiatives - The company is committed to advancing six reforms to optimize management structures and enhance digital capabilities, focusing on improving employee welfare and addressing key operational challenges [5][16] - The company emphasizes the importance of political integrity and public service in its financial operations, aiming to better serve national economic goals and improve living standards [7][18] - The company is focused on maintaining a correct view of operations, performance, and risk, while optimizing its business layout and enhancing its core competitiveness [8][19] Group 3: Future Outlook - As the company transitions into the "15th Five-Year Plan," it anticipates a robust development trajectory for the insurance industry, positioning itself for a new phase of growth [6][17] - The company aims to strengthen its governance structure and enhance strategic control while responding to grassroots concerns and accelerating reforms in digitalization and resource sharing [9][20]

大河网讯 总投资超1300亿元，目前入驻项目已达60余个……当险资邂逅中原沃土，当产融协同赋能高质量发展，一场关乎河南经济升级的资本盛宴在郑州 航空港拉开帷幕。 现场，我省"险资入豫"企业项目库上线，目前入驻项目已达60余个，总投资金额超1300亿元，覆盖了先进制造、基础设施、绿色低碳等多个重点领域。该数 据库由河南省征信有限公司牵头打造，整合全省优质项目资源，为险资精准投放提供数字化支撑。 据介绍，2022年河南启动"险资入豫"，靠项目库对接、牵线政企与险资机构，让险资在豫规模逐年稳增。为了让全国保险资管机构能系统化、持续化地了解 河南优质企业优质项目信息，河南上线"险资入豫"项目库系统。 "险资入豫"项目库通过搭建国内保险资管机构与河南优质项目的线上通道，以数字化手段打破信息壁垒，为险资精准匹配河南优质项目提供高效通道。 作为本次活动的举办地，郑州航空港已集聚各类金融机构44家，培育上市企业2家，存续私募基金44只、规模超260亿元，债券市场规模突破700亿元。获批 河南省首个合格境外有限合伙人(QFLP)基金及基金管理人双试点、落地全省首只QFLP—河南郑卢空铁"双枢纽"私募股权投资基金合伙企业(有限合 ...

在现代金融体系建设方面，田海涛表示，郑州航空港区已集聚各类金融机构44家，培育上市企业2家， 存续私募基金44只、规模超260亿元，债券市场规模突破700亿元。获批河南省首个合格境外有限合伙人 (QFLP)基金及基金管理人双试点、落地全省首只QFLP—河南郑卢空铁"双枢纽"私募股权投资基金合伙 企业(有限合伙)，联动卢森堡国际金融中心的资本枢纽功能，支持境内外优质项目落户航空港。落地全 国首个医械医药证书价值转化融资产品"医证贷"、河南全省首单科研风险保障产品"科惠保"、出台河南 全省首个国有投资基金容错尽职免责管理办法，累计为26家科技型企业提供1.78亿元融资支持。今年前 三季度，郑州航空港区金融业增加值达28.7亿元，占GDP比重升至2.4%。 "机遇共享、未来可期，险资入港正当其时。"田海涛表示，保险资金规模大、期限长、追求稳健收益的 特点，与当地在基础设施建设、产业升级、科技创新等领域的中长期资金需求高度契合，可为保险资金 提供安全可靠、回报可期的投资蓝海。此外，郑州航空港区将持续优化营商环境，希望每一位投资者在 港区都能"办事省心、经营安心、发展顺心"，携手打造"金融合作示范区"。 来源：上海证券 ...

Core Viewpoint - The "Third Jinan Science and Technology Finance Forum" aims to explore new paths and measures for empowering new quality productivity through science and technology finance, aligning with the strategic deployment of the 20th National Congress of the Communist Party of China [2][4]. Group 1: Forum Structure and Activities - The forum consists of twelve segments, including a main forum, two parallel sub-forums, a closed-door meeting, and two special activities focused on attracting investment and project inspections [3]. - Key themes of the sub-forums include product innovation and ecological construction of full-cycle science and technology finance, as well as activating multi-level capital markets to drive the technology-capital-industry cycle [3][12]. Group 2: Jinan's Achievements in Science and Technology Finance - Jinan, as the first national pilot zone for science and technology finance reform, has seen significant growth, with loans to science and technology enterprises reaching 302.9 billion yuan, a 175.76% increase since the pilot zone was approved [5][6]. - The average loan interest rate has decreased by 144 basis points to 2.81%, indicating improved financial conditions for enterprises [5]. - The number of science and technology enterprises has surpassed 11,000, with high-tech industries accounting for 68.7% of the total industrial output value, a 14 percentage point increase [6]. Group 3: Financial Sector Growth - Jinan's financial sector has also experienced growth, with a financial industry value added of 103.03 billion yuan, a 5.8% increase, and a social financing scale of 5.34 trillion yuan, growing by 10.3% [7]. - The city has implemented innovative financial products such as "Research Loans" and "Qingrong e-loans," which have contributed to the growth of the science and technology sector [6][7]. Group 4: "Six Special and Four Value" Work System - Jinan has developed a unique "Six Special and Four Value" work system to enhance the professional service capabilities of science and technology finance, focusing on specialized institutions, products, policies, expert teams, dedicated sectors, and professional carriers [9][10]. - The "Four Value" assessment system addresses the challenges of valuing intangible assets, facilitating financing for science and technology enterprises through various innovative financial services [11]. Group 5: Future Directions and Regional Cooperation - The forum aims to gather insights and consensus on the future development of science and technology finance, particularly in enhancing regional cooperation among key cities in the Yellow River Basin [15]. - Jinan is positioned to become a leading hub for science and technology finance in Northern China, providing replicable experiences for national financial support of technological innovation [13][14].

Core Insights - The establishment of the Qingdao Technology Finance Alliance aims to enhance the quality and efficiency of technology finance services, supporting the development of the technology innovation industry in Qingdao [1][2] Group 1: Alliance Structure and Objectives - The alliance consists of 78 institutions, including banks, insurance companies, guarantee firms, and investment institutions, focusing on providing comprehensive financial services for technology enterprises [1][2] - The alliance seeks to integrate various resources from government, banks, investments, insurance, and guarantees to support technology enterprises in enhancing their R&D and innovation capabilities [2][3] Group 2: Collaboration and Information Sharing - Information sharing is crucial for achieving collaboration, innovation, and win-win outcomes among alliance members [3] - The alliance plans to strengthen connections with industry departments and enhance the existing financial service platforms in Qingdao to provide diverse and comprehensive information [3] Group 3: Financial Support Mechanisms - The Qingdao Financing Guarantee Group aims to act as a "credit enhancer" for technology enterprises, ensuring they understand and access policy benefits [4] - The alliance promotes a risk-sharing mechanism among financial institutions to alleviate financing difficulties faced by technology enterprises [4] Group 4: Investment Strategies - Guolian Securities focuses on binding equity investments with the growth resources of technology enterprises, supporting early-stage and growth-stage companies through tailored investment strategies [6][7] - The firm also emphasizes the importance of IPOs in unlocking the capital value of technology enterprises by clarifying asset ownership and enhancing financial reporting [7] Group 5: Insurance Products for Technology Enterprises - Customized insurance products are developed to provide risk protection for technology enterprises at various stages, including R&D, trial production, and market promotion [9][10] - The insurance offerings include trial insurance and major technology breakthrough insurance, which have successfully supported enterprises in securing financing [9][10] Group 6: Support for Key Technologies - The alliance prioritizes support for critical technology projects within key industries such as integrated circuits and artificial intelligence, providing tailored resources and guarantees [10] - In 2023, the insurance sector has provided risk protection amounting to 3.478 trillion yuan for 1,810 technology enterprises in Qingdao, particularly in the marine technology sector [10]

Core Insights - China People's Insurance Group (China P&C) has demonstrated significant operational strength and has played a leading role in serving national strategies, safeguarding public needs, and mitigating financial risks since the "14th Five-Year Plan" period [2] Financial Performance - In 2024, China P&C achieved original insurance premium income of 693 billion yuan, a 24% increase compared to 2020; net profit attributable to shareholders reached 42.9 billion yuan, up 114% from 2020 [2] - By June 2025, total assets managed by China P&C exceeded 4 trillion yuan, with total assets at 1.9 trillion yuan [2] Insurance Functionality - During the "14th Five-Year Plan" period, China P&C undertook insurance responsibilities amounting to 12.104 trillion yuan and paid out claims totaling 1.7814 trillion yuan, with an average daily payout of 1.1 billion yuan, a 32% increase from the "13th Five-Year Plan" period [3] - The company has developed a comprehensive technology insurance product system covering over 200 products across 13 categories, and has launched several innovative insurance products for technology enterprises [3] Investment in Real Economy - China P&C has established private equity funds and innovation funds in major cities to support technological innovation and modern industrial system construction, focusing on sectors like new energy and biotechnology, with investment assets exceeding 1.7 trillion yuan, a 56% increase from the end of the "13th Five-Year Plan" [4] High-Quality Development - China P&C is committed to high-quality development through structural optimization and value enhancement, with core property insurance premium income surpassing 500 billion yuan, ranking among the top in Asia [5] - The life insurance segment reported premium income exceeding 100 billion yuan, with a year-on-year growth of 14.5% in the first half of 2025, marking the fastest growth in nearly nine years [5] Service Enhancement - China P&C has achieved comprehensive development in green insurance, inclusive insurance, and digital insurance, providing insurance coverage and financial support in areas like green energy and climate change [7] - In 2024, the company provided agricultural risk protection for 55.42 million households, covering 2.1 trillion yuan, and expanded insurance supply for new citizens and small enterprises [8] New Business Model - The company is constructing a new business model of "insurance + service + technology," focusing on risk reduction services and enhancing the insurance service value chain [9] - In health insurance, China P&C has integrated health management services, collaborating with numerous healthcare institutions to provide comprehensive service networks [10] Risk Management - China P&C has prioritized risk prevention and control, enhancing its risk management framework and compliance measures to address potential risks effectively [11] - The company has implemented a comprehensive risk management upgrade action plan, improving risk compliance levels through various regulatory measures [12]

Core Insights - The service industry in Xuzhou has shown strong growth, with a value added of 2630.96 billion yuan in the first half of the year, representing a year-on-year increase of 7.6% and contributing 70.6% to economic growth [1][2] - Key indicators in the service sector have improved, with retail sales increasing by 7.2% and the sales area of commercial housing rising by 4.1%, indicating a robust consumer market [2] - Investment in the service sector has turned positive, with a year-on-year growth of 1%, the highest in the province, and significant progress in key projects [3] Economic Performance - The service sector's value added growth rate improved by 0.5 percentage points compared to the first quarter, becoming the core driver of economic growth [2] - The revenue of large-scale service enterprises reached 580.89 billion yuan, up 7.5% year-on-year, with significant contributions from technology and digital economy sectors [2] Investment Highlights - Service industry investment has increased by 1% year-on-year, leading the province, with a completion rate of 64.6% for provincial projects and 51.7% for municipal projects [3] - 20 key municipal projects have been completed or partially operational, providing strong momentum for future development [3] Sectoral Developments - The cultural and tourism sector has seen a surge, with A-level scenic spots receiving 32.12 million visitors and generating 10.285 billion yuan in consumer spending, reflecting a 10.5% and 2.9% increase respectively [4] - Modern commerce is evolving with new business formats like night economy and first-store economy, contributing to a 4.1% increase in sales during key holidays [5] Financial and Technological Integration - New loans in the city reached 1264.49 billion yuan, a 21.4% increase, supporting the growth of financial services and technology integration [6] - The city has signed agreements with 209 financial and headquarters enterprises, enhancing the financial ecosystem [6] Collaborative Development - County-level areas are emerging as significant contributors to service sector growth, with various projects and investments underway [8] - Urban areas are also showing distinctive characteristics, with significant investment growth and new business establishments [9] Future Outlook - Xuzhou aims to continue its focus on expanding consumption, nurturing new productive forces, and attracting projects to elevate the quality of service industry development [10][11] - The city plans to enhance its project attraction efforts, targeting key regions and ensuring the successful implementation of major service projects [11]

Core Points - The "Ningke Loan" policy has been upgraded to support all high-tech enterprises and technology-based SMEs in Nanjing, with the first loan of 4 million yuan granted to Nanjing Zhitian Electromechanical Co., Ltd. [2][3] - Nanjing Zhitian Electromechanical, established in 2006, specializes in the R&D, production, and sales of twin-screw extruder components, and the loan has alleviated cash flow pressure, enabling the company to fulfill orders efficiently [2][3] - Jiangsu Bank Nanjing Branch has launched several innovative financial products, including the first "University Technology Transfer Center Loan" and "Science and Technology Innovation First Loan Interest Subsidy Loan" [3] - The "Kehui Bao" insurance product provides risk coverage for technology-based SMEs, enhancing their confidence in innovation and R&D [4][5] - Nanjing has implemented various financial measures to support technology innovation, with over 3400 technology talent enterprises served and loans exceeding 16.5 billion yuan [3][7] - By the end of June, Nanjing had issued 8 technology innovation bonds totaling 8.44 billion yuan, accounting for 45% of the province's total [7] - The city aims to enhance the financial ecosystem for technology innovation, focusing on the entire lifecycle of technology enterprises and improving financing accessibility [8]

Core Insights - Guangdong's financial regulatory authority is enhancing technology-driven financial services, focusing on three pilot projects: AIC equity investment, technology enterprise merger loans, and intellectual property financial ecosystems [2] - By the end of June, the total balance of technology loans in Guangdong reached 3.6 trillion yuan, an increase of 322.7 billion yuan since the beginning of the year; technology insurance provided risk coverage of 3.11 trillion yuan to tech enterprises in the first half of the year, marking a 76% year-on-year growth [2] - The insurance products in Guangdong cover various risks associated with technology enterprises, including property loss, liability, and guarantee insurance, and have introduced several national "first" businesses [2] Policy Support - The National Financial Regulatory Administration has issued a plan to establish a technology insurance policy system and improve supporting measures, encouraging the use of co-insurance mechanisms in key areas [3] - A joint policy initiative aims to optimize technology insurance services and establish a coordination mechanism for its development [3] Challenges in Technology Insurance - Current challenges in technology insurance include insufficient policy support, traditional development models, and the need for enhanced professional capabilities to address the complexities of technology risks [3][4] - There is a lack of unified technology insurance support policies and premium subsidy mechanisms in Guangdong, leading to low awareness among SMEs [3] Future Directions - The company aims to enhance the depth, breadth, and precision of technology insurance services, focusing on major technological projects and strategic emerging industries [4] - As of June 2025, the company has provided risk coverage of 11.84 trillion yuan to nearly 16,000 technology enterprises and introduced innovative products to fill coverage gaps and reduce insurance costs [4] - The evolving technology insurance landscape is expected to provide robust risk protection for high-level technological self-reliance and innovation [4]