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告别“融资愁”,资源“活”起来!这场银企对接活动赢麻了
Sou Hu Cai Jing· 2025-08-25 09:41
深圳新闻网2025年8月22日讯(记者 邱嘉熙)8月20日,坪山区委统战部(区工商联)、区发展和改革 局联合举办"破解融资困境 激发民企活力"2025年第二期银企对接会,精准聚焦民营企业"融资难、融资 贵"痛点,着力搭建高效银企对接服务平台,畅通融资渠道,全力推动坪山区民营经济提质增效,为区 域高质量发展注入新动能。 精准搭台 让金融"活水"激荡企业动能 融资是企业成长的"加油站",为初创公司注入破土的力量,给成长型企业装上加速的引擎。本期银企对 接会邀请辖区金融机构代表宣介各自的特色金融产品和服务,促进银企对接,让金融"活水"激发企业发 展动能。 ® ® @ HALL 联网 破解题费团纲 意发民企活力 STI 中国银行坪山支行 普惠金融综合服务方案 n 深圳·坪山 破解融资困境 激发民企活力 Wolksma (8ma) 2025年第二届前2018年 P @ ® 骗局 亚剧集团团集 葡京民会活力 深圳建行服务科技金融产品介绍 6 2025年07 深圳·坪山 破解融资困境 激发民企活力 Worcem (888) 2025年第二期期全市股合 0 @ @ 0 Mas REBERT NEREAL RENERE REF ...
做好“减震器”“稳定器”! “十四五”期间保险业保障能力持续提高
Core Insights - The insurance industry in China is projected to see significant growth, with original insurance premium income expected to increase by over 25% by 2024 compared to 2020, and total assets expected to grow by 68% by mid-2025 compared to the end of 2020 [1] Group 1: Strengthening Social Welfare - The insurance sector has expanded its capacity to improve and guarantee livelihoods, with personal insurance payouts expected to reach 1.2 trillion yuan in 2024, an increase of 88.08% from 2020, and property insurance payouts expected to reach 1.1 trillion yuan, up 57.14% from 2020 [2] - The insurance industry is actively developing commercial insurance products, enhancing the supply of insurance for new industries and urban residents, and improving the inclusive insurance system to better meet public needs [2] - Catastrophe insurance has achieved full coverage for common natural disasters in China, with over 20 provinces piloting comprehensive catastrophe insurance [2] Group 2: Supporting the Real Economy - The insurance industry provides risk protection across various sectors, including agriculture, with agricultural insurance premiums increasing from 97.6 billion yuan in 2021 to 148.37 billion yuan in 2024 [3] - The introduction of innovative insurance products, such as weather index insurance for oil tea plantations, demonstrates the industry's commitment to supporting agricultural resilience [3] - Insurance funds have been increasingly directed towards long-term investments in major projects, with the balance of insurance funds rising from 21.68 trillion yuan at the end of 2020 to 34.93 trillion yuan by the first quarter of this year [4] Group 3: Reform and Innovation - The launch of the "Car Insurance Easy to Insure" platform has facilitated the coverage of over 880,000 new energy vehicles, with a total insured amount of 888.95 billion yuan [5] - The average car insurance premium has decreased by 21.2% to 2,773 yuan since the implementation of comprehensive car insurance reforms, while the compulsory insurance coverage has increased significantly [5] - Ongoing reforms aim to enhance the precision of product pricing and improve operational efficiency within the insurance sector, thereby increasing competitiveness and risk management capabilities [5] Group 4: Future Directions - The regulatory body emphasizes the need for continued efforts in risk prevention, strong regulation, and promoting high-quality development within the insurance industry to enhance its role as an economic stabilizer and social stabilizer [6]
76家财险公司上半年实现净利润超92亿元
Zheng Quan Ri Bao· 2025-08-06 15:51
本报记者 杨笑寒 近日,财险公司二季度偿付能力报告陆续披露。据《证券日报》记者统计,截至8月6日,已有76家财险公司披露二季度偿 付能力报告。数据显示,今年上半年,76家财险公司合计实现保险业务收入2594.89亿元,实现净利润92.52亿元。剔除2家新成 立险企,74家财险公司在保险业务收入和净利润上同比均有所增长,其中净利润同比大幅增长92%。 受访专家表示,财险公司净利润显著提升主要得益于低基数效应、承保端优化及投资收益回暖等因素。展望未来,财险公 司需通过科技赋能、优化产品结构等举措,实现高质量可持续发展。 北京排排网保险代理有限公司总经理杨帆对《证券日报》记者表示,上半年财险行业净利润大幅提升,是承保优化和投资 回暖共同作用的结果。一方面,财险公司保险业务收入稳健增长,综合成本率整体下降,承保利润显著改善;另一方面,资本 市场回暖带动投资收益提升,再加上去年同期财险公司利润较低,今年净利润因而大幅上涨。 综合成本率有所改善 综合成本率是衡量保险公司承保端盈利能力的关键指标,当其高于100%时,意味着财险公司在承保业务上出现亏损。 今年上半年,受产品结构优化、自然灾害损失减少等因素影响,综合成本率超过 ...
金融强国+制造强国!央行等七部门出台新政全面支持新型工业化发展
Jing Ji Guan Cha Wang· 2025-08-06 02:01
Core Viewpoint - The People's Bank of China, along with several government departments, has issued guidelines to support the new type of industrialization through financial means, aiming to enhance the competitiveness of the manufacturing sector and promote its transformation towards high-end, intelligent, and green development [1][2][9] Financial Support for Industrialization - The guidelines aim for a mature financial system by 2027 that supports the high-end, intelligent, and green development of the manufacturing industry, with a focus on increasing the number and scale of bond issuances and equity financing [1][2] - Emphasis is placed on market-oriented and legal principles, with a focus on preventing excessive competition while promoting industrial upgrades [1][2] Enhancing Technological Innovation and Supply Chain Resilience - The guidelines prioritize enhancing technological innovation capabilities and supply chain resilience, proposing specific measures for key industries such as integrated circuits and medical equipment [2][3] - A "technology-industry-finance integration" plan is introduced to guide social capital towards early-stage hard technology projects [2] Supporting Traditional Industry Upgrades - Financial institutions are encouraged to optimize credit policies to support the transformation of traditional manufacturing industries towards high-end, intelligent, and green development [4] - The guidelines advocate for diverse financial support for digital transformation, particularly for small and medium-sized enterprises [4] Green and Low-Carbon Transition - The guidelines highlight the importance of establishing a financial standard system to support the green and low-carbon transition of high-carbon industries, promoting green credit and green bonds [5] - Financial institutions are encouraged to utilize technologies like big data and AI to enhance service efficiency in the digital economy [5][6] Policy Coordination and Implementation Assurance - The guidelines call for improved financial services for industrial transfers and enhanced cross-border financial service convenience [7][8] - A cross-departmental coordination mechanism is proposed to ensure effective implementation of the guidelines, with a focus on risk prevention and monitoring [8] Long-term Financial Mechanism Development - The implementation of the guidelines is expected to create a batch of internationally competitive manufacturing enterprises, facilitating China's transition from a manufacturing giant to a manufacturing power [9] - A market-oriented long-term mechanism is needed to enhance the interaction between finance and industry, ensuring that market forces play a decisive role in resource allocation [9]
重磅!七部门印发,大利好!
Zhong Guo Ji Jin Bao· 2025-08-05 12:00
Core Viewpoint - The People's Bank of China and six other departments have jointly issued the "Guiding Opinions on Financial Support for New-Type Industrialization," which aims to enhance financial support for key industries and promote technological innovation and industrial upgrading [1][12]. Group 1: Financial Support for Key Industries - Financial institutions are encouraged to provide medium- and long-term financing for key manufacturing sectors such as integrated circuits, industrial mother machines, medical equipment, servers, and advanced materials [5][14]. - The policy aims to enhance the financing accessibility for small and micro enterprises in the manufacturing sector [6][20]. Group 2: Support for Emerging Industries - The guidance supports financing for emerging industries like new-generation information technology, smart vehicles, renewable energy, and biomedicine in multi-tiered capital markets [7][18]. - It emphasizes the importance of long-term capital and patient investment to accelerate the transformation of technological achievements into commercial applications [15][18]. Group 3: Enhancing Financial Services for Traditional Manufacturing - Financial institutions are directed to optimize credit policies to support the high-end, intelligent, and green development of traditional manufacturing [17][24]. - The guidance encourages the use of diverse financial tools, including loans, bonds, and insurance, to support the digital transformation of manufacturing enterprises [17][24]. Group 4: Green Finance and Sustainable Development - The policy promotes the establishment of a financial standard system to support the green and low-carbon transformation of high-carbon industries [19][26]. - It encourages the development of green financial products and the application of green credit and bonds in manufacturing [19][26]. Group 5: Strengthening Digital Financial Services - Financial institutions are urged to leverage technologies like big data and blockchain to enhance service efficiency for manufacturing, especially for small and medium-sized enterprises [20][21]. - The guidance supports the construction of digital financial service platforms to facilitate financing and cash management for the manufacturing sector [20][21]. Group 6: Policy Coordination and Risk Management - The document emphasizes the need for coordination between financial and industrial policies to create a supportive environment for new-type industrialization [26][27]. - It calls for the establishment of a joint risk assessment mechanism to monitor and manage financial risks associated with industrial projects [27][28].
中国太平:上半年业务发展稳中有进
Jin Rong Shi Bao· 2025-07-25 01:01
Core Insights - China Taiping Insurance Group held its mid-year work meeting for 2025, emphasizing the implementation of central policies and the advancement of high-quality development [1] Group 1: Business Performance - In the first half of the year, China Taiping achieved a premium income growth of 2.6%, totaling 155.67 billion yuan [1] - The premium income from technology insurance increased by 7.3%, with existing investments in the technology sector reaching 69.88 billion yuan [1] - Green insurance premiums grew by 17.4%, with existing investments in the green sector amounting to 58.36 billion yuan [1] - Agricultural insurance premiums surged by 33.9%, providing risk protection exceeding 1.1 trillion yuan for small and micro enterprises [1] - The total assets of China Taiping Group reached 1.7 trillion yuan, reflecting a 6.4% increase since the beginning of the year [1] - Managed investment assets grew to 2.5 trillion yuan, marking a 0.4% increase from the start of the year [1] Group 2: Strategic Focus - The meeting outlined five key areas of focus for the second half of the year, including strengthening party leadership and enhancing risk compliance [2] - There is a commitment to accelerate the transformation of key businesses and promote high-quality development [2] - The company aims to deepen reforms while focusing on its core responsibilities and enhancing group management capabilities [2] - Six operational management tasks will be prioritized to improve service quality and efficiency in alignment with national objectives [2]
风险保障11.84万亿元!广东人保财险为近1.6万家科技企业“护航”
Guang Zhou Ri Bao· 2025-07-24 10:56
近年来,广东人保财险聚焦重点领域,已为广州实验室、广纳院、季华实验室、仙湖实验室等多家重点 实验室多个研发项目,以及4家科技初创企业6个研发项目提供了科技研发、成果转化风险保障。截至 2025年6月,广东人保财险已为近1.6万家科技型企业提供风险保障11.84万亿元。 7月24日,2025年上半年广东银行业保险业新闻通气会举行。人保财险广东省分公司党委书记、总经理 李旭表示,广东人保财险围绕提升科技保险服务的深度、广度、精准度三方面持续发力,以保险护航科 技创新,为广东新兴产业提供全方位、全链条的风险保障。 "科技创新领域技术更新迅速,风险复杂多变,历史数据匮乏,这对保险机构的专业能力提出了很高的 要求。"谈及科技保险的发展,李旭认为,科技保险具有高度的技术性和复杂性,尤其要跟上日新月异 的新兴产业、未来产业,对传统保险机构来说是个不小的挑战。 "广东人保财险已在内部成立科技保险分中心、并牵头设立粤港澳大湾区科技保险服务中心。"李旭表 示,接下来,广东人保财险将着力搭建专业化的组织架构体系,着力打造专业化的科技保险服务体系。 在广州、佛山、东莞等科技密集型城市设立科技保险专营机构。在前沿科技领域,充分整合外部 ...
广东加大科技创新金融供给,上半年科技保险同比增长76%
Nan Fang Du Shi Bao· 2025-07-24 09:42
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]
持续领先!广东六项金融规模指标稳居全国首位
Core Insights - Guangdong's banking and insurance sectors have shown strong performance in the first half of 2023, maintaining the top position in various scale indicators nationwide, which supports economic growth and risk management [1][2][3] Banking Sector Performance - As of the end of June, Guangdong's banking sector total assets reached 41.2 trillion yuan, with total liabilities at 40 trillion yuan, both showing a year-on-year growth of 5% and 5.14% respectively, surpassing the GDP growth rate [2] - The balance of various loans was 29.23 trillion yuan, and the balance of deposits was 32.15 trillion yuan, with year-on-year growth rates of 5.05% and 6.99% respectively, indicating an improvement compared to the first quarter [2] - The total assets of banks in the Guangdong Financial Regulatory Bureau's jurisdiction (excluding Shenzhen) amounted to 27.22 trillion yuan, with a year-on-year increase of 5.71% [2] Insurance Sector Performance - By the end of June, Guangdong's insurance sector total assets reached 2.66 trillion yuan, growing by 6.36% since the beginning of the year [3] - The insurance premium income for the first half of the year was 461.6 billion yuan, reflecting a year-on-year increase of 5.53%, which is higher than the national average [3] - The insurance sector provided risk coverage amounting to 645.4 trillion yuan [3] Technological Financial Innovations - Guangdong has increased financial support for technological innovation, with a total balance of technology loans reaching 3.6 trillion yuan, an increase of 322.7 billion yuan since the beginning of the year [4] - Technology insurance provided risk coverage of 3.11 trillion yuan for tech enterprises, marking a year-on-year growth of 76% [4] - The region is also focusing on green finance, with green credit balances reaching 3.1 trillion yuan, a growth of 13.61% [4] Rural Financial Support - The balance of agricultural loans and inclusive agricultural loans reached 2.44 trillion yuan and 583.4 billion yuan respectively, with year-on-year growth rates of 7.75% and 10.1% [5] - The county-level loan scale exceeded 1.71 trillion yuan, with an average growth rate of approximately 12.29% over three years [5] - The risk coverage provided by agricultural insurance was 137.6 billion yuan, with a year-on-year increase of 9.68% [5] Support for Small and Micro Enterprises - The balance of loans to private enterprises reached 6.85 trillion yuan, accounting for 52.48% of total enterprise loans, while loans to small and micro enterprises grew by 14.79% [7] - A total of 910 million enterprises were visited, with credit granted to over 470,000 enterprises, resulting in loan disbursements of 1.53 trillion yuan [7] - The balance of medium and long-term loans for small and micro enterprises exceeded 70%, with a year-on-year growth of 59.69% in renewal loans [7] Real Estate Sector Support - The banking sector has provided credit for 1,812 "white list" projects, amounting to 1.0918 trillion yuan, with 832.8 billion yuan disbursed [8] - The balance of real estate loans reached 5.62 trillion yuan, with a year-on-year growth of 2.77% [8] - Special loans for urban village renovation projects amounted to 1.02 trillion yuan, with 215.5 billion yuan already disbursed [8]
科技金融加速重构“制度—资本—技术”关系
Jin Rong Shi Bao· 2025-07-21 02:45
Core Insights - The article emphasizes the evolution of technology finance in China, highlighting its transition from a mere financial tool to a core strategy for national technological self-reliance and strength [2][3] Group 1: Current Framework and Future Directions - China's technology finance has established a comprehensive framework led by government departments, with technology enterprises and financial institutions at its core, showcasing both advantages and disadvantages compared to other economies [1] - The future role of technology finance is seen as a key "accelerator" in restructuring the relationship between "institution-capital-technology," focusing on strategic synergy, capital empowerment, and technological support [1] Group 2: Policy and Strategic Value - The strategic value of technology finance has become more pronounced, with a shift towards unified top-level design in policies, enhancing coordination among various financial products and services [2] - By 2027, the technology finance system is expected to align more closely with the goals of achieving high-level technological self-reliance [2] Group 3: Financial Transformation and Efficiency - The pace of financial transformation is accelerating, with technology finance evolving towards high efficiency, long cycles, and diversified service support mechanisms [3] - As of the end of 2024, the loan approval rate for technology-based SMEs is nearly 50%, and for high-tech enterprises, it stands at 55.7%, indicating a year-on-year growth trend [3] Group 4: Technological Advancements and Ecosystem Support - The article notes a significant increase in the number of valid invention patents in China, reaching 4.756 million by the end of 2024, with a commercialization rate of 53.3% [4] - Future technology finance services are expected to support a more systematic innovation ecosystem, requiring a comprehensive service ecosystem that integrates technology and finance [4] Group 5: Policy Framework and International Cooperation - A forward-looking and open institutional framework is being constructed at the policy level, utilizing AI and big data to establish a disruptive technology early warning mechanism [5] - International cooperation is encouraged through platforms like the Belt and Road Initiative, promoting cross-border intellectual property recognition and joint R&D tax incentives [5] Group 6: Financial Services and Risk Management - Financial institutions are encouraged to develop composite assessment models that include patent quality and social impact in their credit standards, enhancing risk management capabilities [6] - The establishment of a "patient capital" system is being promoted to address funding shortages in early-stage technology innovation [6] Group 7: Innovation Community and Ecosystem Development - The article advocates for the creation of a new type of innovation community, integrating resources from government, universities, research institutions, and financial entities to support comprehensive innovation [7] - Support for technology enterprises to break traditional financing limitations is emphasized, aiming for seamless collaboration among government, capital markets, and enterprises [7]