随着保险公司2025年第四季度偿付能力报告陆续披露，有车一族最为关心的车险经营数据也浮出水面。 截至记者发稿，已有58家非上市财险公司披露了2025年车均保费数据。其中，车均保费最低为841.99 元，最高达13438.68元，超六成险企车均保费已低于2000元。 具体而言，久隆财险以13438.68元的车均保费占据非上市险企车均保费榜首位。该公司核心业务聚焦于 特种车辆财产保险、货物运输车辆保险等，由于承保车型本身造价较高，保额基数远超普通家用车，业 务的高度专业化使其车均保费远高于其他险企。 爱和谊日生同和财险（5900元）、现代财险（5700元）、日本财险（4239元）和京东安联财险 （4125.33元）的车均保费分列第二至第五位。 爱和谊日生同和财险（5900元）、现代财险（5700元）、日本财险（4239元）和京东安联财险 （4125.33元）的车均保费分列第二至第五位。 值得注意的是，车均保费排名前五的险企均为外资或合资财险公司，业务或聚焦高端客户，承保车型以 豪华车或进口车为主；或聚焦某个领域，专业性较强。 第六至第十位的险企，车均保费集中在3200元至4100元区间。其中，比亚迪财险以4054 ...

炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 来源 | 独角金融 作者 |谢美浴编辑|付影 实际上，自2024年初开业以来，申能财险的管理团队由三股力量组成：来自国资大股东的"申能系"、原 托管方太保产险的"太保系"、以及为保持业务连续性而保留的"天安系"。而此次，副董事长吴俊豪与合 规负责人寇峰的离任，分别代表了"申能系"与"太保系"力量的更迭。 申能财险用一年时间完成了从"接盘亏损"到"黑马崛起"逆袭，但真正的考验或许刚刚开始。新任高管上 任后，如何将背景不同的团队真正融为一股力量，能否将一时亮眼的业绩"黑马"变成长期走稳的"千里 马"？ 1 副董事长、合规负责人离任，总裁盛亚峰代理合规职责 资料显示，吴俊豪1965年6月出生，已达到退休年龄。吴俊豪的职业生涯起步于学术圈，1986年从华东 师范大学经济系政治经济学专业毕业，之后分配到江苏化工学院（现改名常州大学）教企业管理；1997 年，吴俊豪考回华东师大读企业管理研究生，2000年毕业之后投身于证券投资咨询研究工作。2003年， 吴俊豪踏入申能体系，并深耕金融领域长达十余年。2003年9月至2006年1月，吴俊豪担任上海申能 ...

随着2025年第四季度偿付能力报告陆续披露，财险行业最为核心的车险经营数据也随之浮出水面。 截至记者发稿，已有58家非上市财险公司披露了2025年车均保费数据。其中，车均保费最低为841.99 元，最高达13438.68元，超六成险企车均保费已低于2000元。 具体而言，久隆财险以13438.68元的车均保费占据非上市险企车均保费榜首位。该公司核心业务聚 焦于特种车辆财产保险、货物运输车辆保险等，由于承保车型本身造价较高，保额基数远超普通家用 车，业务的高度专业化使其车均保费远高于其他险企。 这种"中间扩围、两头收窄"的格局表明，随着车险综合改革深化，单纯依靠低价换市场的策略已难 以为继，单纯依赖高端客户也难以迅速做大份额。优化业务结构、提升承保质量、将车均保费控制在合 理区间，正成为行业的普遍共识。 对于未来车险价格走势，业内专家认为，车险价格将不再是单一的下行或上行，而是呈现出前所未 有的差异化与精细化。随着新能源汽车普及、智能驾驶技术应用，车险风险定价模型将更注重车辆数据 和驾驶行为，保费可能因风险差异进一步分化。驾驶习惯良好的车主保费将继续下探，真正享受到安全 驾驶带来的红利；高风险群体，如频繁出险的 ...

Core Insights - The insurance industry is closely monitoring the trends and developments in auto insurance as companies release their solvency reports for Q4 2025, revealing significant data on average premiums [1][7] - Over 58 insurance companies have disclosed their average auto insurance premiums, with a notable decrease in premium differences compared to previous years [2][8] - More than 50% of the insurance companies reported a decline in average premiums for 2025, indicating a stabilization in the overall premium landscape [3][10] Group 1: Average Premium Data - The average auto insurance premium reported ranges from 841.99 yuan to 5900 yuan, with most companies falling between 1000 yuan and 3000 yuan [2][8] - The disparity in average premiums among insurance companies is decreasing, with all companies previously exceeding 6000 yuan now below that threshold [2][8] - A total of 31 insurance companies experienced a decline in average premiums compared to the previous year, reflecting a trend towards stabilization [3][10] Group 2: New Energy Vehicle Insurance - The market is particularly focused on the trends in new energy vehicle insurance due to previous challenges in pricing and coverage [4][11] - Major insurance companies have begun to achieve profitability in new energy vehicle insurance, indicating a shift in the market dynamics [5][11] - The introduction of L3 conditional autonomous driving vehicles is expected to present new challenges in risk assessment and pricing models for auto insurance [12] Group 3: Future Challenges and Innovations - The transition to L3 autonomous driving will complicate risk evaluation, as new factors such as hardware reliability and software security must be considered [12] - Future pricing for new energy vehicle insurance is anticipated to become more intelligent, allowing for differentiated rates based on various factors [6][12] - Insurance companies are advised to prepare for the upcoming changes by innovating products, enhancing service efficiency, and diversifying collaboration models [6][12]

个人信息5元500条 临近续保频遭推销 车主隐私泄露屡禁不止为哪般 "一天最高接到5通电话""天天接到续保电话让人受不了""手机被迫改成白名单模式，见到陌生电话 都害怕"……在社交平台上，不少用户投诉称，车险临期，车主频频遭遇各类保险电话密集推销，不仅 严重影响用户体验，还引发消费者对车险客户信息泄露、行业数据安全及电话营销乱象的担忧。 记者调查发现，车主个人信息在购险、用车等多个环节均存在泄露风险。由于违规成本较低，电话 营销扰民乱象屡禁不止，车主的隐私权益难以得到切实保障。 营销话术围攻 车主苦不堪言 "我的车险今年1月才到期，可骚扰电话提前两个月就来了，最多一天能接5个车险推销电话。"广州 车主陈先生说，这些电话都来自自称中国人保财险公司的不同销售人员，包括直销人员和外包团队。他 粗略计算，半个月内已接到数十通推销电话，严重干扰了正常工作与生活。 ——内部管理存在漏洞，业绩导向助长过度营销。根据国家金融监督管理总局发布的《保险销售行 为管理办法》规定，保险公司、保险中介机构应当按照合法、正当、必要、诚信的原则收集处理投保 人、被保险人、受益人以及保险业务活动相关当事人的个人信息，并妥善保管，防止信息泄露 ...

（来源：经济参考报） "一天最高接到5通电话""天天接到续保电话让人受不了""手机被迫改成白名单模式，见到陌生电话都害 怕"……在社交平台上，不少用户投诉称，车险临期，车主频频遭遇各类保险电话密集推销，不仅严重 影响用户体验，还引发消费者对车险客户信息泄露、行业数据安全及电话营销乱象的担忧。 记者调查发现，车主个人信息在购险、用车等多个环节均存在泄露风险。由于违规成本较低，电话营销 扰民乱象屡禁不止，车主的隐私权益难以得到切实保障。 营销话术围攻 车主苦不堪言 "我的车险今年1月才到期，可骚扰电话提前两个月就来了，最多一天能接5个车险推销电话。"广州车主 陈先生说，这些电话都来自自称中国人保财险公司的不同销售人员，包括直销人员和外包团队。他粗略 计算，半个月内已接到数十通推销电话，严重干扰了正常工作与生活。 车主黄先生也有类似遭遇。车险到期前，他频繁接到不同保险公司的各类续保电话，报价五花八门，还 附带"锁单优惠""礼品赠送"等承诺。然而，他联系保险公司官方客服后得知，准确报价需在车险到期前 一个月内才能生成，此前业务员所提的优惠多为吸引客户的营销话术。"提醒续保可以理解，但用不实 报价诱导，还天天打电话，实 ...

转自：山东财经报道 文 | 导报财经组 但其全年综合成本率高达109.86%，处于承保亏损状态。其中，综合赔付率74.39%，综合费用率35.47%，业务及管理费占比24.78%，成本管控效率有待进 一步提升。 值得关注的是，2025年，泰山财险投资业务表现突出，成为全年盈利的核心支撑。数据显示，公司全年投资收益率达6.48%，高于近三年2.45%的平均投 资收益率，有效对冲了承保亏损带来的压力。 经济导报注意到，泰山财险近日完成了一轮人事调整，国家金融监督管理总局山东监管局已核准了姜敏、徐慧录副总经理任职资格，以及任迎春独立董事 的任职资格。 公开信息显示，泰山财险是首家注册地在山东的全国性保险法人机构，是山东省国资委履行出资人职责直接管理的省管企业。其由山东省内16家国有大型 骨干企业发起设立，注册资本20.3亿元，注册地为山东省济南市，2011年1月挂牌开业。 其目前共有股东11家，分别为山东高速集团有限公司、安顾财险股份公司、山东融鑫投资股份有限公司、山东能源集团资本管理有限公司、山东省国际信 托股份有限公司、山东能源集团有限公司、山东黄金集团有限公司、山东省机场管理集团济南国际机场股份有限公司、潍柴 ...

Core Insights - The average car insurance premium for 2025 shows a declining trend for over half of the insurance companies, with the overall premium gap narrowing compared to 2024 [1][2][5] - The average car insurance premium across 58 disclosed companies ranges from 841.99 yuan to 5900 yuan, indicating a concentration of premiums between 1000 yuan and 3000 yuan for most companies [2][4] Group 1: Premium Trends - More than 50% of insurance companies reported a decrease in average car insurance premiums for 2025 compared to the previous year, although the overall decline is not significant [1][5] - The average car insurance premium for 2025 is expected to stabilize due to the structure of existing policies, with a notable impact from the insurance of new energy vehicles [6][7] Group 2: Company Performance - The top ten insurance companies by average car insurance premium for 2025 include: - Ai He Yi Ri Sheng Tong He Insurance: 5900 yuan - Modern Insurance: 5700 yuan (down from 6100 yuan in 2024) - Japan Insurance: 4239 yuan (down from 5871.54 yuan in 2024) [3] - The lowest average premiums are reported by companies such as Xin An Automobile Insurance at 841.99 yuan and Dou Bang Insurance at 870 yuan, with over 70% of companies having premiums between 1000 yuan and 3000 yuan [4][5] Group 3: New Energy Vehicle Insurance - The insurance market is closely monitoring the trends in new energy vehicle insurance, which has previously faced challenges in pricing and coverage [7][8] - As of the end of 2025, the total number of new energy vehicles in China is projected to reach 43.97 million, accounting for 12.01% of the total vehicle population, indicating that nearly 90% of vehicles are still fuel-powered [6] - The profitability of new energy vehicle insurance is improving, with major insurers reporting underwriting profits in this segment [7] Group 4: Future Challenges - The introduction of L3 level conditional autonomous driving vehicles is expected to pose new challenges for car insurance, particularly in risk assessment and pricing models [8] - The complexity of evaluating risks associated with autonomous driving features will require insurance companies to adapt their pricing strategies and product offerings [8]

背靠国家电网，英大财险自2008年成立以来连续盈利，目前处于财险市场"第二梯队"。值得注意的是， 英大财险关联交易保费2022年以来逐年递增，2025年已超85亿元，占比达66%；而整体保费增速却放 缓，2025年保险业务收入约131亿元，微增约2.9%。 炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 来源 | 独角金融 作者 | 谢美浴编辑 | 付影 一则悄然挂网的公告，拉开了英大泰和财产保险股份有限公司（下称"英大财险"）关键权力交接的序 幕。 英大财险公告称，自2026年1月28日起周全亮已不再担任公司总经理职务。而不久前，2026年1月9日， 出任总经理未满一年的周全亮，接替吴骏出任公司党委书记，按国有企业惯例，周全亮或将成为下一任 董事长。 一边是股东支持，另一边是保费增速烦恼。2026年1月下旬，英大财险2026年工作会议明确提出"服务能 源行业"，加速打造"第二增长极"。换帅后，英大财险能否打破股东依赖症，走出舒适区，突破增长瓶 颈？ 1 董事长已到退休年龄，周全亮不满一年实现"两连跳" 公开资料显示，现任英大财险董事长吴骏，1965年出生，已达到法定退休年龄。 吴骏 ...

Core Viewpoint - The Chinese government is promoting financial institutions to enhance innovation in financial products and services during the Spring Festival, focusing on key consumer areas to provide efficient and convenient financial services [1] Group 1: Consumer Loan Support - Financial institutions are encouraged to increase personal consumption loan issuance, determining reasonable loan issuance ratios, terms, and interest rates to support the replacement of durable consumer goods such as automobiles, home appliances, and home renovations [3] - The development of comprehensive grading systems for insurance models is being accelerated to effectively promote automobile consumption [3] Group 2: Service Consumption Enhancement - There is a push to develop commercial insurance annuity products that combine elderly risk protection and wealth management functions, as well as commercial medical insurance that benefits chronic disease patients and the elderly [5] - The development of commercial long-term care insurance is being strongly promoted, alongside optimizing financial service models in cultural tourism, sports, entertainment, and education sectors to stimulate service consumption [5] Group 3: New Consumption Models - Financial institutions are encouraged to broaden online financial support channels for consumption, collaborating with merchants to develop financial products and services that cater to new consumption characteristics [7] - Support is being provided for the development of digital consumption, experiential consumption, smart consumption, and customized consumption models [7]