时值《巴黎协定》签署10周年，2025年9月24日，中国新一轮国家自主贡献（NDC）目标在联合国气候 变化峰会上公布。本轮NDC目标锁定全经济范围的温室气体减排，中国力争到2035年全经济范围温室 气体净排放量比峰值至少下降7%至10%。早在2025年7月，中欧曾发表联合声明，将在《联合国气候变 化框架》第30次缔约方大会（COP30）前提交2035年国家自主贡献目标，COP30将对收集的所有NDC 目标进行整合、评估，判断是否符合《巴黎协定》设定的气温升幅控制目标。全球气温增幅控制迫在眉 睫。联合国环境规划署发布的《2024年排放差距报告》显示：全球气温已比工业革命前高出1.3℃，当 前的行动和政策将导致21世纪内全球气温上升2.6℃至3.1℃。中国气象局于2025年6月发布的《中国气候 变化蓝皮书2025》显示，气候系统变暖趋势仍在持续，2024年我国气候风险指数为1961年以来最高，年 平均气温、沿海海平面、天山乌鲁木齐河源1号冰川消融损失量等监测指标均创下新高。气候风险将严 重影响人类福祉，特别是弱势群体。中国普惠金融研究院于2022年发布的社会责任投资报告指出，气候 变暖对缺乏风险认知和风险管理工具 ...

【环球网财经综合报道】近日，原中国保监会副主席周延礼在第二十届21世纪金融年会上表示，绿色保险和保险资金 投资可以撬动社会资本，参与气候适应性、韧性投资的可持续发展。 巴西247新闻网日前发文称，根据世界资源研究所的分析，中国最新的国家自主贡献（Nationally Determined Contribution）首次承诺到2035年"建设一个适应气候的社会"。报道认为"这不是空话"，并提到中国已经在测试39个适 应性城市，并建立了一个三层（国家级、省级和地方级）治理系统。 为此，周延礼建议，要完善政策支持体系，制定气候适应性和韧性投资规划、明确阶段性发展目标；完善财政、税收 等政策，出台相应优惠政策；优化资金费用与监管机制；加大对气候适应性和韧性项目的监督和评估；建立跨部门协 调和沟通机制，加强各部门之间的协调与沟通，建立常态化跨部门协调机制体系。 周延礼也提到，2024年12月31日我国向《联合国气候变化框架公约》秘书处提交了《中华人民共和国气候变化第一次 双年透明度报告》，提到中国2021年至2030年减缓行动的年均资金需求规模约2万亿元；为实现碳中和目标，中国进 一步强化减缓行动，2021年至2060 ...

《 人民日报 》（ 2025年11月24日 18 版） (责编：卫嘉、白宇) 关注公众号：人民网财经 本报电 近日，北京大学经济学院和北京大学中国保险与社会保障研究中心在北京举办第二十二届北大 赛瑟（CCISSR）论坛。专家学者围绕加快保险机构数智化转型、提升保险业与经济发展适配性等话题 展开讨论。专家表示，保险业属于数据密集型行业，人工智能等技术应用潜力巨大。行业应在风险定 价、智能核保、理赔管理、反欺诈监测、客户服务等环节加大科技应用力度，挖掘数据价值，实现运营 提效、服务优化。专家认为，行业推进数智化转型有利于加强产品服务创新。"十五五"时期，保险行业 应进一步结合建设现代化产业体系相关需求，大力发展科技保险、绿色保险，为数据资产、网络安全和 国际运输等领域提供更坚实的保险保障。 （屈信明） ...

11月22日，十三届全国政协委员、原中国保监会副主席周延礼在第二十届21世纪金融年会上表示，绿色 保险和保险资金投资可以撬动社会资本，参与气候适应性、韧性投资的可持续发展。 为落实《联合国气候变化框架公约》和《巴黎协定》相关决定要求，2024年12月31日，我国如期向《公 约》秘书处提交了《中华人民共和国气候变化第一次双年透明度报告》。其中，《报告》提到，根据 2023年12月提交的《中华人民共和国气候变化第四次国家信息通报》，中国2021—2030年减缓行动的年 均资金需求规模约2.0万亿元；为实现碳中和目标，中国进一步强化减缓行动，2021—2060年减缓行动 的年均资金需求规模约6.5万亿元；2021—2060年适应气候变化资金年均需求1.6万亿元。 综合考虑减缓和适应行动，中国从报告年份（2024年）到2030年的总资金需求规模约为25.2万亿元，年 均约3.6万亿元；从2031—2060年的总资金需求规模约为243万亿元，年均约8.1万亿元。 "如此庞大的资金需求，仅依靠政府财政投入是远远不够的，社会资本的广泛参与具有重要意义。保险 资本不仅具有风险管理的功能，还具备社会资本所具有的灵活性、创新性、 ...

Core Viewpoint - The insurance industry is expected to focus on high-quality development and enhance its adaptability to the economy, with specific emphasis on three major areas and ten types of business [2][4]. Group 1: Key Areas of Development - The first area is to efficiently serve the construction of a modern industrial system and the development of new productivity, emphasizing the growth of technology-related insurance, green insurance, and data asset and cybersecurity insurance [3]. - The second area involves robust support for constructing a new development pattern, particularly through the development of domestic credit insurance and international transportation and shipping insurance [4]. - The third area is to effectively meet financial needs in the livelihood sector, which includes the development of pension and health insurance, improving accessibility and standards of inclusive insurance services, and significantly advancing agricultural and disaster insurance [4]. Group 2: Digital Transformation and AI Integration - The insurance industry is entering the AI era, necessitating a comprehensive implementation of a digital transformation strategy to enhance operational efficiency and risk management [5][7]. - AI technology is expected to significantly improve risk pricing, underwriting, claims management, fraud detection, and customer service, leading to a collaborative enhancement of operational efficiency and service optimization [5][6]. - By 2025, AI applications in the insurance sector are anticipated to reach a critical turning point, with a growing number of companies adopting large model technologies [5]. Group 3: Industry Collaboration and Risk Management - The insurance industry must combat internal competition and promote collaboration to achieve more stable and high-quality development, which is essential for meeting national strategies and safeguarding livelihoods [8][9]. - Future collaboration directions include strengthening internal industry cooperation, enhancing customer collaboration for risk reduction, integrating resources for cross-industry collaboration, and building safety nets through cooperation with public sectors [9][10][11]. - By fostering collaboration, the insurance industry can improve its overall risk-bearing capacity and better serve national strategies, the real economy, and livelihood security [11].

Core Insights - The article emphasizes China's significant progress in achieving carbon peak and carbon neutrality goals, highlighting the establishment of a comprehensive carbon reduction policy system and the rapid development of renewable energy [1][2][3] Group 1: Waste Management and Recycling - By the end of 2024, 98.5% of urban communities in China will have waste classification facilities, reflecting a shift in public attitude towards environmental responsibility [1] - The transition from a single waste disposal method to a four-bin system symbolizes a broader commitment to green development [1] Group 2: Energy Transition - China is focusing on renewable energy to achieve its carbon neutrality goals, with non-fossil energy consumption increasing from 16.0% in 2020 to 19.8% in 2024, averaging nearly a 1 percentage point increase per year [2] - By August 2025, installed capacity for wind and solar power is expected to exceed 1.69 billion kilowatts, tripling the capacity from 2020 and contributing to 80% of new power installations since 2020 [2] - The share of fossil energy consumption is projected to decrease from 84.0% in 2020 to 80.2% in 2024, indicating a steady move towards cleaner energy sources [2] Group 3: New Energy Vehicles (NEVs) - As of June 2025, the number of NEVs in China is expected to reach 36.89 million, accounting for 10.27% of the total vehicle ownership, showcasing the rapid adoption of electric vehicles [3] - In 2024, NEVs are projected to be exported to over 180 countries, helping to reduce global carbon emissions by more than 50 million tons [3] - The contribution of the green low-carbon industry to China's GDP is increasing, with the "new economy" accounting for over 18% of GDP in 2024 [3] Group 4: Green Finance and Carbon Market - China has established a robust green finance framework, with green loan balances reaching 36.6 trillion yuan by the end of 2024, with nearly 70% directed towards carbon reduction projects [5] - The national carbon trading market, launched in July 2021, covers over 60% of carbon emissions, with cumulative trading volume reaching approximately 728 million tons and transaction value around 49.83 billion yuan by September 2025 [5] - The voluntary greenhouse gas reduction trading market was initiated in January 2024, with 31 projects registered and a total reduction of 15.04 million tons by October 2025 [5]

Core Viewpoint - The Chinese banking industry is undergoing significant structural differentiation due to declining loan interest rates and intensified competition, prompting banks to enhance operational resilience and seize strategic opportunities for high-quality development [1][2]. Financial Performance - As of the end of September, Ningbo Bank's total assets exceeded 3.5 trillion yuan for the first time, growing by 14.50% year-to-date [1][9]. - The bank achieved operating income of 54.976 billion yuan, an increase of 8.32% year-on-year, and net profit attributable to shareholders of 22.445 billion yuan, up 8.39% year-on-year [3][5]. - The net interest margin stood at 1.76%, reflecting a 2 basis point rebound from the previous quarter, outperforming the industry average [3][10]. Risk Management - Ningbo Bank maintains a low non-performing loan ratio of 0.76%, having kept it below 1% for 18 consecutive years, demonstrating strong risk control capabilities [1][10]. - The bank's proactive risk management approach includes a comprehensive risk management system supported by technology, which has led to a significant reduction in the migration rate of watchlist loans from 52.60% to 35.43% [10][11]. Strategic Focus - The bank emphasizes serving the real economy by directing credit resources towards small and micro enterprises and technological innovation, reflecting a commitment to differentiated competitiveness [1][6]. - Ningbo Bank has established a dedicated Technology Finance Department to support tech enterprises and has created ecosystems around technology innovation, equity funds, and mergers and acquisitions [8][9]. Non-Interest Income Growth - Non-interest income has shown remarkable growth, with net fee and commission income reaching 4.848 billion yuan, a year-on-year increase of 29.31% [4][5]. - The bank's subsidiary, Yongying Fund, has also performed well, with its actively managed equity fund scale increasing by 76.513 billion yuan, ranking first in the market [4]. Digital Transformation - Ningbo Bank is actively pursuing digital transformation, integrating AI and big data into its operations to enhance efficiency and customer service [10][11]. - The bank has launched various products aimed at improving corporate financial management, such as the upgraded "Kunpeng Treasury" and "Financial Manager" services [11]. Conclusion - Overall, Ningbo Bank's third-quarter report highlights its resilience and vitality in navigating through economic cycles, with effective net interest margin management and explosive growth in non-interest income serving as core supports for its performance [5][9].

Core Insights - The central financial work conference has set the goal of accelerating the construction of a financial powerhouse, guiding the high-quality development of the financial sector [1] - The insurance industry has actively responded to the conference's directives over the past two years, demonstrating its critical role as an economic stabilizer and social stabilizer [1] Risk Management and Protection - The insurance industry has enhanced its risk response capabilities, establishing a comprehensive risk protection system that includes pre-warning, response, and post-compensation mechanisms [2] - Major disaster insurance trials have been implemented in over 20 provinces, strengthening the disaster prevention and mitigation safety net [2] - Health insurance has served 1.22 billion urban and rural residents, while long-term care insurance covers 190 million people, addressing diverse elderly care needs [2] Economic and Social Development Support - The insurance sector has insured over 1.6 billion motor vehicles and launched a platform for insuring new energy vehicles, providing risk coverage exceeding 1.1 trillion yuan [3] - Export credit insurance has provided risk coverage of 4.4 trillion USD, supporting foreign trade stability [3] Financial Contributions - As of mid-2023, the insurance industry's investment balance reached 36.23 trillion yuan, continuously injecting financial resources into capital markets and the real economy [4] - The sector has provided over 10 trillion yuan in risk coverage for technology insurance, supporting 3,600 innovative projects [4] - Green insurance is projected to provide risk coverage exceeding 330 trillion yuan in 2024, with increased support for green and low-carbon industries [4] Industry Reform and Development - The insurance industry has surpassed 40 trillion yuan in total assets, solidifying its position as the second-largest insurance market globally [5] - Comprehensive reforms in auto insurance and the implementation of a unified reporting and operation system are guiding the market towards rational management [5] - The industry is transitioning from scale expansion to value creation, with a notable decrease in comprehensive cost ratios and expense ratios [5] International Engagement - Half of the world's 40 largest insurance companies have entered the Chinese market, enhancing the industry's professional level through international collaboration [6] - The Shanghai International Reinsurance Registration and Trading Center serves as a key platform for attracting global reinsurance institutions [6]

Core Viewpoint - The article highlights the significant advancements and initiatives of Sheneng Group in promoting sustainable energy solutions, particularly in green finance, renewable energy, and innovative technologies for a low-carbon future [3][5][12]. Group 1: Green Finance - Sheneng Group, as a comprehensive energy enterprise, emphasizes its commitment to green finance through its subsidiary Dongfang Securities, focusing on green investments, financing, and carbon finance [3]. - Dongfang Securities showcases its achievements in green bond issuance, ESG investment research, and carbon finance, reflecting the role of securities firms in facilitating low-carbon transitions [3][5]. Group 2: Renewable Energy Development - Sheneng Group has established itself as a leader in the renewable energy sector, with a total installed capacity of 1,804.2 MW, including 613 MW from renewable sources, accounting for 34.1% of its total capacity [7]. - The company has set benchmarks in both clean coal and renewable energy, with notable projects like the Anhui Pingshan Power Plant achieving record low coal consumption [9]. - The Hainan CZ2 offshore wind power project is a significant milestone, becoming the first fully connected offshore wind project in Hainan during the "14th Five-Year Plan" period [9][17]. Group 3: Innovative Technologies - Sheneng Group is actively involved in the development of new energy storage technologies, with a demonstration base in Shanghai featuring a storage capacity of 40 MW/160 MWh, integrating various mainstream storage technologies [10]. - The Shanghai Cable Research Institute has pioneered the world's first 35 kV kilometer-level superconducting transmission demonstration project, which has been operational for over 1,300 days [12]. - The company is advancing the green methanol and hydrogen industries, with plans for a 100,000-ton green methanol project and a comprehensive hydrogen energy strategy [13][15]. Group 4: Strategic Collaborations - Sheneng Group collaborates with 12 leading entities to develop key technologies for offshore wind hydrogen production, enhancing the integration of wind energy and hydrogen applications [17]. - The company has also invested in hydrogen technology firms to develop innovative hydrogen production systems and fuel cell vehicles, showcasing advancements in the hydrogen energy sector [18].

Core Viewpoint - The "dual carbon" goals of carbon peak and carbon neutrality are not only China's commitment to global climate challenges but also a crucial strategy for high-quality development and green low-carbon transformation. Over the past five years, China has established a preliminary policy system and market mechanism to support these goals, influencing both domestic and global carbon neutrality efforts [1][2]. Group 1: Policy Framework and System Construction - Since the introduction of the "dual carbon" goals, China has built a comprehensive and coordinated policy system, characterized by clear top-level planning, diverse policy tools, and collaborative execution mechanisms [2][3]. - The "1+N" policy framework serves as the core of the carbon peak and neutrality system, with various departments and regions developing implementation plans across key sectors, creating a robust policy matrix [3]. Group 2: Green Finance Development - The establishment of green finance has accelerated, forming a matrix of policy tools that includes green credit, green bonds, carbon finance, and green insurance, among others [4][5]. - By 2024, China's green loan balance exceeded 36 trillion yuan, accounting for about 14% of total loans, while green bond issuance reached over 2.5 trillion yuan, positioning China as a global leader in these areas [13]. Group 3: Carbon Market Enhancement - The national carbon market has been continuously improved since its launch in 2021, with the coverage expanding to include high-emission industries such as steel and cement, making it the largest carbon market globally [8][9]. - The establishment of a voluntary carbon trading market is underway, aiming to enhance market participation and support green finance product innovation [9]. Group 4: International Cooperation and Standards - China is actively deepening international cooperation in green finance, participating in global governance and contributing to the establishment of international standards [10][11]. - The introduction of mandatory environmental information disclosure regulations is a significant step towards aligning with international practices [11]. Group 5: Achievements and Challenges in Green Finance - Green finance has significantly contributed to resource allocation, fostering green momentum, and optimizing economic structure, but challenges remain in data disclosure, support for high-carbon industries, and the balance of financial products [12][17]. - The carbon emission data disclosure system is not yet robust, limiting the efficiency of resource allocation and the ability of financial institutions to assess carbon asset risks accurately [17]. Group 6: Future Directions for Green Finance - To further support the "dual carbon" goals, China needs to enhance the carbon information disclosure system, expand the application of carbon reduction support tools, and optimize the structure of green financial products [22][23][25]. - The carbon market requires reforms to improve price discovery and resource allocation functions, while green funding should be promoted internationally to support global green transitions [27][28].