跨境保险

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兜住民生底线:普惠保险创新模式织密保障网
Zhong Guo Jing Ying Bao· 2025-10-10 19:18
官方信息显示,中国人寿广西分公司2024年实现总保费规模171亿元,同比增长36%,新承保业务保费 大幅增长,总保费市场份额达34%。普惠保险,已逐渐融入八桂大地的千行百业。 织就"立体保障网" 天等县位于广西壮族自治区西南部,隶属于广西崇左市,是国家乡村振兴重点帮扶县,同时也被列为国 家连片开发"滇桂黔"石漠化综合治理片区。山多地少、交通不便等现实因素,导致绝大多数人选择外出 务工。劳务输转成为群众增收的主要渠道。近年来,村庄空心化、农村"三留守"、农业抗风险能力弱等 问题逐渐出现。 天等县都康乡多信村村民农军(化名)告诉记者,自己因患急性心力衰竭、家中无稳定劳动力,被纳入 边缘易致贫户。2024年,因疾病住院总花费29.27万元,经基本医保、大病保险、医疗救助及补助报销 后,仍需要自费20.63万元。 中经记者 陈晶晶 广西南宁报道 从基本医保到大病保险,从普惠性的"惠民保"到多样化的商业健康险,我国的健康保障网络正不断织 密。特别是对于重特大疾病、长期康复、健康管理等超出基本医保支付范围的需求,商业保险正成为重 要补充和有力支撑。 近期,《中国经营报》记者在广西南宁、崇左等地实地调研了解到,中国人寿(6 ...
多项重磅金融开放举措集中发布 涉多个关键领域
Zhong Guo Jing Ying Bao· 2025-06-21 19:16
Group 1 - China's financial reform is transitioning from "access opening" to "rule alignment," with significant measures announced at the "2025 Lujiazui Forum" aimed at attracting foreign financial institutions and optimizing cross-border payment systems [1][2] - The recent policies emphasize invigorating the financial market domestically while supporting enterprises' internationalization and the internationalization of the Renminbi [2][3] - The China Securities Regulatory Commission (CSRC) has introduced further reforms to the Sci-Tech Innovation Board, including the establishment of a growth tier and the resumption of listing standards for unprofitable companies [2][3] Group 2 - The measures aim to enhance the interconnectivity of financial markets, providing more convenient cross-border investment channels and promoting two-way capital flow [3][5] - Foreign financial institutions have shown increasing interest in the Chinese market, with the CSRC allowing compliant foreign investors to participate in onshore ETF options trading starting from October 9, 2025 [3][5] - The financial opening is expected to drive economic growth, with opportunities arising in cross-border trade finance, asset management, and insurance sectors [3][6] Group 3 - The total assets of foreign banks and insurance institutions in China exceed 7 trillion yuan, with a significant presence of global top banks and insurance companies [5][6] - The banking sector is expected to enhance risk management capabilities and expand business boundaries through recent policy initiatives [6][7] - The asset management industry is evolving towards diversification and professionalization, with foreign institutions encouraged to accelerate their presence in investment and asset allocation [6][7]
“南沙金融30条”来了!大湾区金融开放再迎利好
Zhong Guo Jing Ying Bao· 2025-05-14 09:12
Core Viewpoint - The issuance of the "30 Measures for Financial Support in Nansha" aims to enhance innovation and entrepreneurship, as well as cross-border financial cooperation in the Guangdong-Hong Kong-Macao Greater Bay Area, positioning Nansha as a crucial hub for domestic and international economic circulation [1][2]. Group 1: Key Highlights of the Policy - The policy outlines 30 key measures focusing on six major directions: improving financial services for innovation and entrepreneurship, enhancing financial services in social welfare, developing specialized financial services, promoting financial market connectivity in the Greater Bay Area, facilitating cross-border financial innovation and exchanges, and refining financial regulatory mechanisms [2][3]. - The policy emphasizes three main aspects: focusing on the Bay Area with an emphasis on innovation, collaborating with Hong Kong and Macao to modernize and digitalize financial services, and promoting high-level institutional openness to the world [2][3]. Group 2: Implications for Financial Institutions - Financial institutions are encouraged to leverage policy benefits by focusing on cross-border services, technological empowerment, and green transformation through product innovation and ecosystem collaboration [4][5]. - Banks are advised to develop targeted products such as intellectual property pledge loans and supply chain finance, expand cross-border RMB settlement and trade financing, and engage in financial market infrastructure development [5][6]. Group 3: Talent and Ecosystem Development - The successful implementation of the policy relies heavily on talent development and ecosystem collaboration, with a focus on attracting international financial talent and enhancing cooperation with educational institutions in the Guangdong-Hong Kong-Macao region [6].