2025年是金融"五篇大文章"落地实施的关键一年，政策红利持续释放与行业创新实践深度融合，推动金融服 务实体经济质效提升。作为金融体系的重要组成部分，保险业立足经济减震器和社会稳定器核心职能，在科技金 融、普惠金融、绿色金融等重点领域精准发力，通过丰富产品供给、优化资金配置、强化科技赋能，交出了一份 规模与质量双提升、服务与创新齐发力的年度答卷。 在新疆阿克苏地区，"惠民保"业务助力当地普惠医疗保险实现扩面增量。图为中国人保工作人员向前来参保 阿克苏"惠民保"的群众提供服务。 记者 戴梦希 摄 科技保险赋能创新 全周期服务新质生产力发展 今年9月，工业和信息化部办公厅、财政部办公厅、金融监管总局办公厅联合发布的《关于组织实施2025年首 台（套）重大技术装备保险补偿政策的通知》扩大首台（套）、首批次保险补偿范围，调整机制流程，优化条款 费率。同月，中国保险行业协会发布首台（套）重大技术装备综合保险示范条款、首批次新材料综合保险示范条 款试行版及配套的承保理赔服务指引。 目前，首台（套）、首批次保险已为全国各类重大技术装备和全国重点新材料首批次应用提供了近万亿元的 风险保障。自2015年试点启动以来，该类保险补 ...

在资产端，保险业努力探索通过多种形式扩大绿色项目投资，为绿色产业注入源头活水。太平资产管理 有限公司参与投资"国家电投—渝恒1号—成渝双城经济圈能源基础设施碳中和绿色资产支持专项计 划"，太平资本保险资产管理有限公司落地华能新能源引战项目，助力水电、光伏电站基地建设，促进 能源产业绿色低碳转型。数据显示，2024年，中国太平深入践行可持续发展理念，大力发展绿色金融， 绿色保费同比增长27.4%，绿色投资同比增长16.9%。 业内人士表示，随着我国绿色金融政策体系日趋完善，保险业在全面支持低碳转型与绿色发展方面加大 力度，但仍存在绿色保险创新基础薄弱、发展动力不足、定价风控难度高等问题，建议进一步优化激励 约束政策、监督评价体系、信息共享机制，促进绿色保险更好服务于实体经济和社会民生。 （责任编辑：关婧） 绿色保险作为绿色金融的重要组成部分，可以充分发挥损失补偿、风险减量、资金引导的作用，助力经 济社会全面绿色转型。国家金融监督管理总局办公厅、中国人民银行办公厅近期联合发布《银行业保险 业绿色金融高质量发展实施方案》，提出保险公司要围绕服务经济社会发展全面绿色转型，研发有针对 性的风险保障方案，完善绿色保险体系 ...

探索开展前沿研究，提升气候专业能力。 气候风险量化评估是目前全球金融行业面临的重要挑 战。公司充分结合国内外最新研究成果，开展气候情景分析与压力测试项目，通过整合本土气 候数据创新研发适用于中国保险机构的气候风险评估模型，完成台风、暴雨洪涝等灾害对公司 业务组合影响的定量测算，为制定科学风险管控策略提供依据。 聚焦新能源、农险等重点领 域，形成相关风险管理制度及措施 ， 加强关键环节管控 。持续拓展"风险雷达"系统功能，加 强风险勘查与灾害预警，提升公司智能化风险管控能力。 首次发布运营碳排放目标，打造低碳运营新模式。中国太保 积 极响应国家双碳战略，在对标 领先同业实践以及系统分析现有减排潜力的基础上，科学制定减排计划， 明确 集团整体 1,2 2028年运营碳排放总量较2023年下降20% 的量化目标 ， 保障碳减排工作有序推进。持续 完善运营碳排放管理体系，形成《运营碳盘查管理制度》，明确碳盘查流程规范，提升碳数据 质量。加强节能减排管理，通过采用先进节能技术、推进智能化节能改造、加强数据中心节能 等多项措施，有效降低公司运营碳排放。 加强对外交流合作，助力全球气候治理。中国太保 积极参与全球气候行动， ...

Core Insights - China Pacific Insurance (CPIC) achieved an operating revenue of 404.09 billion yuan in 2024, a year-on-year increase of 24.7%, with a net profit attributable to shareholders of 44.96 billion yuan, up 64.9% year-on-year [1] - The company's internal value grew by 6.2% compared to the end of the previous year, and its managed asset scale increased by 21.2% [1] - CPIC's strategic focus on a customer lifecycle service ecosystem and deep integration of ESG principles has led to significant economic and social value [1] Financial Performance - CPIC's operating revenue reached 404.09 billion yuan, marking a 24.7% increase year-on-year [1] - The net profit attributable to shareholders was 44.96 billion yuan, reflecting a substantial year-on-year growth of 64.9% [1] - Internal value and managed asset scale increased by 6.2% and 21.2%, respectively, compared to the previous year [1] ESG and Sustainability Initiatives - CPIC released its 2024 Sustainable Development Report, marking the fourth consecutive year of such reports, emphasizing the integration of ESG with core business [2] - The company has developed over 30 innovative green insurance products, including shipping decarbonization insurance and carbon quota pledge insurance, to support green industries [3] - CPIC's green insurance coverage exceeded 147 trillion yuan, with green investments surpassing 260 billion yuan [3] Product Innovation and Risk Management - CPIC has introduced various innovative insurance products in the carbon sink sector, including the first "zero-carbon village" insurance [4] - The company has developed a comprehensive insurance solution covering ecological rescue and carbon asset transformation [4] - CPIC's catastrophe risk coverage reached approximately 975.2 billion yuan, providing robust support against disaster risks [3] Social Responsibility and Community Support - In 2024, CPIC invested 17.57 million yuan in rural support, enhancing infrastructure and industry revitalization [5] - The company developed 1,409 agricultural insurance products, covering over 19.3 million farming households [5] - CPIC's health insurance services reached over 200 million people, with long-term care insurance serving over 90 million individuals [5] Talent Development and Customer Service - CPIC has implemented talent development programs like the "New Sharp Plan" and "Intern Director" to build a structured talent pipeline [6] - The company has launched innovative service models, including intelligent claims processing and one-stop policy services, enhancing customer experience [6] - CPIC received multiple accolades for its ESG practices, including an upgrade to AA rating by MSCI, the highest for mainland insurance companies [6]