行政处罚案例 据了解，2023年10月起，中国人民银行开展拒收人民币现金（以下称现金）专项整治工作，依据 《中华人民共和国中国人民银行法》第十六条"以人民币支付中华人民共和国境内的一切公共的和私人 的债务，任何单位和个人不得拒收"有关规定，对线索核实查处。 截至2024年4月末，中国人民银行对8起拒收现金法人主体实施行政处罚；核实124起情节轻微、及 时改正、初次违法并未造成危害后果的拒收现金行为，依据《中华人民共和国行政处罚法》第三十三条 的规定，未予处罚。现就8起行政处罚和7起未予处罚典型案例予以公示。中国人民银行要求各类经营主 体遵守人民币管理相关法律法规，尊重公众支付方式自主选择权，维护人民币法定地位，共同优化现金 使用环境。 央广网北京5月6日消息 5月6日，中国人民银行在官网公布15起拒收人民币现金典型案例。 案例1 2023年12月，中国人民银行陕西省分行对蒲城县荆姚镇九年制学校实施了行政处罚。该校在 2023年秋季开学报名当日，未设立现金收付通道，学生家长未能用现金缴纳学费。 案例7 2024年4月，中国人民银行包头市分行对包头市富润房地产开发有限公司实施行政处罚。该 公司设有人工收款窗口，办 ...

中经记者 陈晶晶 北京报道 互联网保险模式一度被认为是打开保险机构估值天花板的"密匙"。作为"中国互联网保险第一股"，众安 在线财产保险股份有限公司（6060.HK，以下简称"众安在线"）自2017年一上市就受到市场追捧，市值 一度超过千亿。但随着近年来市场与业绩的波动，众安在线的股价再未回到此前巅峰时代。 近期，受到香港稳定币新政影响，众安在线的股价再度强劲，5月22日—29日5个交易日内，累计涨幅超 过74%，近一个月涨幅接近一倍。随着股价上涨，众安在线开始了新一轮重要资本运作，在主要股东减 持后不久，公司也启动了上市以来的首次新股配售融资。 《中国经营报》记者梳理众安在线成长轨迹发现，资本运作和股东资源加持在其发展中扮演着重要角 色，以资本运作为主线、叠加保险之外的金融布局，使众安在线的业务版图和商业故事较之其他互联网 保险公司更为"多元"和具有话题性。 随着老股东的陆续减持，众安在线的发展也面临着新的关键点：新的股东力量能带给公司怎样的发展资 源？如何进一步稳定业绩提高保费收入？多元的业务布局如何真正产生协同效应？ 减持+配售 6月26日，众安在线发布公告宣布启动H股配售，根据公告，公司拟将配售事项所 ...

今年的7月8日是第13个全国保险公众宣传日，由国家金融监督管理总局指导、中国保险行业协会主办、保险行业共同开展。本年度主题为："爱和责任 保 险让生活更美好"。 为展现济宁保险业精神风貌，让社会公众更加充分关注保险、认识保险，2025年7月8日盛夏时节，中意人寿济宁中支积极参与济宁行业协会举办的新世纪 广场绿色"健步走"暨保险科普宣传活动。旨在通过轻松有趣的健步走形式，传递保险理念，普及保险知识，倡导绿色健康生活方式，吸引了数百名市民热 情参与。 起点处热闹非凡，济宁辖内的财、寿险公司齐聚一堂。飘扬的旗帜、充满活力的宣传展板，点燃了参与者的热情，健步走途中专业的保险从业者热情地为 参与市民讲解保险知识，从家庭财产保障到人身健康险，从车险理赔流程到养老保险规划，深入浅出的讲解让保险知识变得通俗易懂。市民们一边欣赏沿 途美景，一边学习保险知识，在轻松愉快的氛围中，加深了对保险的认知。新世纪广场绿茵地带，设置了保险科普宣传点，开展了丰富多彩的保险科普宣 传活动。在咨询台前，我司宣传小组成员耐心细致地解答市民提出的各类保险问题，结合真实案例，分析保险在应对生活风险中的重要性。发放防范电信 网络诈骗宣传等折页，提醒市民 ...

资本公积转增注册资本这一增资方式成为新风向后，又有险企"另辟蹊径"。7月10日，北京商报记者了解到，四川金融监管局近日批复锦泰财产保险股份有 限公司（以下简称"锦泰保险"）的注册资本金由23.79亿元增至31.88亿元。据了解，此次增资是通过资本公积转增注册资本的方式。 增资而非募资，锦泰保险"补血"模式生变释放出哪些信号？该公司近年来虽持续盈利，但2024年净利润下滑明显，不仅如此，该公司总经理一职仍空缺。对 于锦泰保险以及下一任接棒者而言，如何进一步聚焦差异化布局，在激烈的市场竞争中寻求突围？ 又一增资事项获批 近日，四川金融监管局发布关于锦泰保险变更注册资本的批复称，同意锦泰保险通过资本公积转增注册资本方式，将注册资本由23.79亿元变更为31.88亿 元，各股东持股比例保持不变。 在锦泰保险今年5月发布的股东会会议决议公告中，该公司拟以定向发行股票方式增资扩股溢价所形成的部分资本公积转增注册资本，以公司现有总股份为 基数，向全体股东按每10股转增3.4股比例转增股份，预计共转增股份8.09亿股，合计转增股本8.09亿元。该公司注册资本将由目前的23.79亿元增加至31.88 亿元。 于险企而言，增加注 ...

Core Viewpoint - The article discusses the increasing risks associated with high temperatures in China, emphasizing the importance of insurance coverage to mitigate health and property risks during extreme heat events [1]. Group 1: Health Risks and Insurance - High temperatures can lead to serious health issues such as heatstroke, particularly affecting vulnerable groups like outdoor workers, the elderly, children, and pregnant women [3]. - Recommended insurance for white-collar workers includes medical insurance covering outpatient expenses related to heatstroke, and accident insurance with medical coverage for unexpected situations [3]. - For outdoor workers, employers are advised to purchase employer liability insurance or group accident insurance to transfer the risks associated with high-temperature work environments [3]. Group 2: Property Risks and Insurance - High temperatures can increase the risk of fires and other accidents, making homeowners' insurance essential to cover potential losses from fire, explosion, and damage to property [4]. - Vehicle insurance has been updated to include coverage for self-ignition incidents due to high temperatures, particularly for new energy vehicles [4]. - Agricultural insurance, such as weather index insurance, can help mitigate risks of crop loss due to extreme heat by providing automatic payouts based on temperature thresholds [4]. Group 3: Market Gaps and Prevention - There is a lack of dedicated insurance products specifically for heatstroke, with most coverage relying on traditional medical, critical illness, and life insurance [5]. - Prevention measures, such as avoiding heat exposure and staying hydrated, are emphasized as more effective than relying solely on insurance for post-incident compensation [5].

Core Viewpoint - The company emphasizes the importance of disaster prevention and risk management, showcasing its proactive measures in response to Typhoon "Danas" to protect clients' lives and property [1][6]. Group 1: Emergency Response Measures - Upon receiving the typhoon warning, the company activated its emergency plan, coordinating manpower and resources to enhance risk warning and customer collaboration [1]. - A total of 426 personnel in the claims department were on standby, with 311 rescue vehicles deployed in the auto insurance sector and 12 preservation sites established in key areas [1]. - The company identified 143 flood-prone areas and completed visits to alert vehicle owners to move their cars, while also forming a rain intensity monitoring mechanism with industry partners [1]. Group 2: Client Disaster Prevention Services - As of July 7, the company conducted 102 on-site visits for key corporate property insurance clients and issued risk reports, while establishing communication groups for 18 engineering insurance clients with identified hazards [3]. - The company sent disaster prevention guidelines to 1,773 corporate property insurance targets and 215 engineering insurance projects through SMS, phone calls, and WeChat [3]. - In the agricultural insurance sector, 72 contracts for greenhouse early harvesting were implemented to minimize disaster losses, with full coverage of early warning notifications through village committees and farmers' WeChat groups [3]. Group 3: Technological Empowerment - Utilizing the "Eagle Eye DRS" risk control platform, the company accurately identified core areas affected by the typhoon and provided customized disaster prevention guidelines to high-risk enterprises [3]. - A professional risk control team conducted on-site inspections in vulnerable industries such as aquaculture and logistics in coastal areas, employing drones for dam inspections and infrared devices for electrical hazard detection [3]. - The company encouraged clients to download the "Car Owner" and "Enterprise Treasure" apps for self-service claims and one-click rescue applications, issuing over 12.56 million disaster prevention alerts and guidelines through various platforms [3]. Group 4: Commitment to Risk Reduction - The company’s management stressed that the value of insurance lies not only in post-disaster compensation but also in pre-disaster prevention, urging all levels of the organization to prioritize early warning and service [6]. - Multiple information exchange channels have been established for real-time updates on typhoon and flood prevention efforts, with management personally overseeing operations to ensure professional and efficient assistance to clients [6].

证券研究报告 | 2025年07月09日 非车险"报行合一"点评 重塑非车险生态，利好承保利润提升 |  行业研究·行业快评 | | |  | 非银金融·保险Ⅱ |  投资评级：优于大市（维持） | | --- | --- | --- | --- | --- | --- | | 证券分析师： | 孔祥 | 021-60375452 | | kongxiang@guosen.com.cn | 执证编码：S0980523060004 | | 联系人： | 王京灵 | 0755-22941150 | | wangjingling@guosen.com.cn | | 事项： 近日，国家金融监督管理总局下发《关于加强非车险监管有关事项的通知（征求意见稿）》（以下简称"《通 知》"），首次明确"非车险"定义，同时标志着非车险"报行合一"或将正式实施。 国信非银观点：近年来，非车险业务持续扩容，在财产险总保费中的占比已从 2019 年的 37.1%攀升至 2024 年的 47.4%，贡献接近半数财险保费规模。然而高速发展伴随恶性竞争加剧，部分机构为抢占份额，通过 拆分保额、更改标的使用性质变相降费，或虚列"会议费"" ...

Core Viewpoint - The insurance industry is experiencing a shift with the "old three" insurance companies maintaining their market share in the auto insurance sector while new entrants are rapidly growing in the non-auto insurance market [11][21][36]. Auto Insurance Premium Rankings - In Q1 2025, the top three auto insurers, namely People's Insurance, Ping An, and Taiping, have increased their insured vehicles by over 2% compared to the previous year [21][25]. - The overall auto insurance premium income for the industry reached 515.5 billion, with a notable increase in premium growth driven by consumer incentives and rising vehicle sales [11][21]. - New entrants like BYD Insurance have shown significant growth, with a premium of 740 million, ranking 22nd in the market, benefiting from low commission rates and high payout ratios [35][36]. Non-Auto Insurance Premium Rankings - Ping An's non-auto insurance premium growth exceeded 14%, while companies like Zhong An and Tai Kang have maintained over 10% growth for three consecutive years [36][37]. - The non-auto insurance market is seeing a competitive landscape where new players are closing in on the traditional leaders, indicating a shift in market dynamics [11][36]. Market Trends - The auto market is benefiting from government incentives such as "trade-in" subsidies, leading to a 16.1% increase in passenger car production and a 12.9% increase in sales in Q1 2025 [21][24]. - The overall premium income for the insurance industry in Q1 2025 was 2,246.8 billion, reflecting a 3.03% growth year-on-year [21][36]. - The competition in the auto insurance sector is intensifying, with 32 companies reporting premium growth exceeding the market average, primarily among smaller firms [31][32].

保险行业 2025 年信用风险展望 作者：金融评级一部 谢冰姝 谷金钟 保险行业 2025 年信用风险展望 联合资信 金融评级一部 |谢冰姝 谷金钟 www.lhratings.com 研究报告 1 2024 年，人身险公司保费收入保持增长，保费收入增长主要靠寿险业务拉动；车 险仍为财产险公司最主要险种，同时多元化产品策略为财产险公司业务拓展开辟新的 发展空间；保险业资金运用余额保持增长，投资资产结构基本稳定，债券资产为主要 配置品种，受资本市场波动以及会计准则切换综合影响，行业综合投资收益率水平同 比显著提升；盈利方面，受新准则实施、资本市场回暖等综合因素影响，2024 年人身 险及财产险公司净利润同比均实现良好增长，但行业的主要利润实现仍集中于头部大 型保险公司；得益于内源性资本补充能力的增强以及外源性资本补充工具的合理运用， 2024 年行业偿付能力有所提升并保持充足水平。2025 年一季度，受预定利率的持续 下调及分红型产品市场接受度有待提升等因素的影响，人身险公司原保险保费收入较 去年同期略有下滑；财产险公司原保险保费收入稳步增长，产品结构相对稳定。 另一方面，2024 年以来，人身险公司逐步集中进 ...

转自：推广 还在为复杂的保险理赔纠纷而烦恼？担心诉讼流程漫长、成本高昂？余姚的"共享法庭"为您提供了一种 快速、便捷、公正的新选择！ 今年3月，在宁波市金融监管局消保处、宁波市保险行业协会、宁波市银保调委会、余姚金融监管支 局、余姚市人民法院及余姚交警大队的共同见证下，中国太保产险余姚中支正式成立共享法庭。它依托 先进的信息技术平台，整合司法与行业调解资源，旨在高效化解金融消费纠纷 【下载黑猫投诉客户 端】，切实维护消费者和保险机构的合法权益。 高效解纷，半小时达成共识！ 就在近日，余姚共享法庭成功调解了第一起车险理赔纠纷。案件涉及伤者伤残等级认定分歧：伤者方评 定为十级伤残，而保险公司基于伤情资料审核认为未达标准。若走传统诉讼程序，双方都将耗费大量时 间和精力。 来源：推广 余姚太保共享法庭的设立，是深化合作、推进社会治理创新的积极实践，更是中国太保积极回应社会关 切、提升服务品质的重要举措。它致力于： 化解纠纷"加速度"：利用科技手段，让调解"触手可及"，省去奔波之苦。 专业调解"有温度"：在法官和调解员指导下，促成双方理性沟通，公平解决争议。 维护权益"更省心"：为金融消费者和保险公司提供高效、低成本的 ...