崇左市天等县，地处桂西南喀斯特山区，隶属于国家连片开发的"滇桂黔"石漠化综合治理片区。受自然条件 严酷、土地资源匮乏及产业发展滞后等多重制约，这里曾是国家级贫困县。脱贫攻坚时期，全县共有贫困村59 个，贫困人口达11.39万人。长期以来，劳务输出成为农民增收的主要来源，但也随之带来了大量村庄空心化、农 村"三留守"、外出务工人员保障不足、农业产业抗风险能力薄弱等诸多问题。 进入巩固拓展脱贫攻坚成果同全面乡村振兴有效衔接的新阶段，如何守住不发生规模性返贫的底线，并激发 内生发展动力，成为天等县面临的核心课题。《金融时报》记者近日来到天等县实地调研发现，如今，这里正通 过创新构建多层次防返贫保障体系、深度赋能乡村教育、系统培育特色融合产业，探索出一条符合山区实际的发 展路径。 针对天等县星油藤特色产业发展，中国人寿深入调研星油藤生长特点和风险痛点，创新开发星油藤政策性保 险，为全县1040亩星油藤承保，保障金额达到415.92万元。图为星油藤。 构筑"防贫坝" 从"人找政策"变为"政策找人" 在脱贫基础尚不稳固的山区，一场大病、一次意外事故就可能使一个家庭重新陷入困境。防返贫必须建立快 速响应、精准有效的拦截机制 ...

Core Insights - The relationship between finance and rural China is being redefined, showcasing how financial products can serve as a safety net for vulnerable communities [1][4] - The integration of technology in agriculture is transforming traditional insurance practices, enabling livestock to serve as collateral for loans, thus addressing long-standing challenges in the sector [2] - Financial services are acting as a bridge connecting rural resources with urban markets, facilitating the sale of local products and supporting farmers in accessing credit [2] Group 1: Financial Safety Nets - Financial products like "poverty alleviation insurance" have significantly reduced out-of-pocket medical expenses for families, exemplifying the protective role of finance in rural areas [1] - The design of financial products reflects a blend of actuarial precision and human empathy, providing a robust safety net for families at risk of falling back into poverty [1] Group 2: Technological Integration - The use of technology, such as facial recognition for livestock, is revolutionizing agricultural insurance, allowing farmers to secure loans against their live assets [2] - This technological advancement not only enhances operational efficiency but also unlocks new avenues for credit flow in the agricultural sector [2] Group 3: Bridging Urban and Rural - Financial institutions are playing a crucial role in connecting rural producers with broader markets through e-commerce platforms and training initiatives [2] - The efforts of financial professionals, such as rural bank managers, are vital in facilitating access to loans and supporting local agricultural initiatives [2][3] Group 4: Challenges and Collaboration - The implementation of financial support in rural areas faces challenges such as geographical complexities, labor shortages, and the need for a shift in local mindsets [3] - Successful financial support for rural revitalization requires collaboration across various sectors, including agriculture, education, and infrastructure development [3] - Financial institutions must engage deeply with local contexts to effectively address the unique needs of farmers and rural communities [3]

Group 1 - The insurance industry in China has made significant strides in high-quality development, addressing gaps in insurance coverage and enhancing supply in weak areas [1] - A platform called "Car Insurance Good to Insure" was established to tackle the high claim rates and data inadequacies in new energy vehicle insurance, providing coverage for over 1.1 million vehicles with a total insured amount of 1.1 trillion yuan [1] - The platform has expanded to include high-risk fuel-operated vehicles, further alleviating insurance difficulties for trucks and taxis [1] Group 2 - The insurance sector is actively aligning with emerging industries, providing customized insurance solutions to mitigate risks associated with technological innovation, with over 10 trillion yuan in risk coverage provided during the 14th Five-Year Plan [2] - The industry has supported 3,600 innovative application projects through insurance, enhancing corporate innovation capabilities [2] Group 3 - The insurance industry has focused on new citizens and the elderly, launching specialized insurance products to meet the needs of gig economy workers and providing essential coverage for accidents and injuries [3] - There has been an expansion of commercial pension products and long-term care insurance for the elderly, addressing the financial pressures faced by the aging population [3] Group 4 - The insurance industry has contributed to rural revitalization by offering diverse insurance products like "anti-poverty insurance" and complete cost insurance for staple grains, providing risk coverage for 800 million farming households [4] - The increase in insurance supply is not just about product quantity but also requires ongoing improvements in service quality, claims efficiency, and risk pricing [4]

Core Insights - Inner Mongolia has significantly improved the quality of life for its residents during the "14th Five-Year Plan" period, focusing on people's needs and addressing urgent issues [1][2][3][4] Group 1: Poverty Alleviation and Rural Revitalization - The effectiveness of connecting poverty alleviation and rural revitalization has notably increased, with per capita net income of the impoverished population maintaining double-digit growth [1] - Key measures include strict implementation of the "four no drop" requirements and the establishment of dynamic monitoring and support mechanisms to prevent poverty [1] - New industries such as beef cattle farming and ethnic handicrafts have emerged, contributing to stable income growth for the impoverished [1] Group 2: Basic Livelihood Security - Basic livelihood security levels have significantly improved, with urban employment increasing by 1.038 million and the urban-rural income gap narrowing to 2.26, better than the national average [2] - The total retail sales of social consumer goods reached 561.53 billion yuan, an increase of 85.48 billion yuan compared to 2020 [2] - Education and healthcare access have been enhanced, with initiatives for children of migrant workers and the establishment of national medical centers [2] Group 3: Infrastructure Development - The completion rate of the "four horizontal and twelve vertical" comprehensive transportation framework reached 84.3%, with a total transportation network mileage of 238,000 kilometers [3] - The opening of major high-speed rail lines and the construction of new airports have significantly improved travel efficiency [3] - The power transmission capacity has reached 75 million kilowatts, ranking first in the country, supported by the establishment of new energy transmission channels [3] Group 4: Cultural and Sports Services - The capacity for cultural and sports services has been significantly enhanced, with a comprehensive public cultural service system established across urban and rural areas [4] - Facilities for public sports and community fitness have been fully covered, promoting health and wellness among residents [4] - Cultural initiatives, including national parks and historical sites, have revitalized local heritage and increased community engagement [4]

Core Viewpoint - Anhui Province is set to comprehensively promote the "Agricultural Insurance +" reform, aiming for full coverage of pilot programs by the end of 2025 and risk protection exceeding 230 billion yuan by 2026 [1][2] Group 1: Reform Objectives - By the end of 2025, the goal is to achieve full coverage of the "Agricultural Insurance + a package of financial products" pilot program [1] - By 2026, the agricultural insurance risk protection is expected to exceed 230 billion yuan [1] Group 2: Key Actions and Measures - The reform includes four main actions and twenty specific measures [1] - The first action is to implement a multi-dimensional financing initiative, focusing on establishing comprehensive financial products and addressing existing policy challenges [2] - The second action involves multi-dimensional empowerment, utilizing a national financing credit service platform to enhance agricultural insurance through technology and data resources [2] - The third action promotes multi-chain integration, offering comprehensive insurance services across the entire agricultural supply chain [2] - The fourth action focuses on multi-level coverage, enhancing insurance capabilities for key agricultural products and exploring commercial insurance co-insurance models [2]

Core Viewpoint - China Life Property & Casualty Insurance Yunnan Branch is actively enhancing agricultural insurance coverage and improving livelihood security services, focusing on targeted assistance and support for local agricultural development [1][2]. Group 1: Agricultural Insurance Development - The company has established a comprehensive and precise agricultural risk protection system, covering both central and local policy insurance, aligned with Yunnan's key agricultural industry layout [2]. - By mid-2025, the company provided risk protection worth 37.6 billion for 777,000 farming households, with claims amounting to 6.863 million, benefiting 51,000 households [2]. Group 2: Innovation in Insurance Services - The company is exploring the integration of technology in insurance services, utilizing internet, satellite remote sensing, and artificial intelligence to enhance underwriting and claims processes [3]. - In 2024, the company implemented a "one policy per household" model in livestock insurance, employing AI facial recognition technology to ensure the uniqueness of insured subjects, significantly reducing moral hazard and underinsurance [3]. - The "automatic underwriting" feature has improved operational efficiency, processing 54,800 policies from January to August 2025, reducing policy issuance time from hours to minutes or even seconds [3]. Group 3: Technological Integration in Insurance - The company utilizes drones and remote sensing technology to enhance the accuracy and completeness of insured information, preventing fraudulent underwriting and providing precise loss assessments [4]. - It has established a drone team, becoming one of the first insurance institutions in the province to enhance underwriting and claims accuracy through technological applications [4]. Group 4: Community Support and Financial Inclusion - The company promotes inclusive insurance products and collaborates with other financial institutions to establish comprehensive financial service stations, with the first 31 outlets already operational [4]. - The company has dispatched 16 personnel to support rural revitalization efforts, focusing on industry development, education, and healthcare in local communities [4]. - Future plans include continuous product innovation and service upgrades to enhance agricultural efficiency, rural vitality, and farmer income, contributing to comprehensive rural revitalization [4].

Core Insights - The implementation of "anti-poverty insurance" by China Life Insurance in Chongzuo aims to prevent large-scale poverty return by providing a dynamic monitoring mechanism for at-risk populations [1][2] - By the end of 2023, 31 insurance institutions have collaborated with local governments to launch anti-poverty insurance, significantly contributing to the consolidation of poverty alleviation achievements [2][3] Group 1: Anti-Poverty Insurance Initiatives - The "anti-poverty insurance" project has monitored over 20,000 individuals and provided compensation exceeding 15.78 million yuan to nearly 1,300 eligible farmers [1] - The insurance covers multiple risks including illness, education, natural disasters, and accidents, enhancing the risk resilience of rural populations [2][3] Group 2: Policy and Market Integration - The integration of government guidance and market operations in anti-poverty insurance is being replicated in regions like Guangxi, Yunnan, and Gansu, expanding the coverage of protection [3] - The implementation of the "Implementation Plan for High-Quality Development of Inclusive Finance in Banking and Insurance" emphasizes the need for insurance companies to develop affordable and accessible insurance products for vulnerable groups [3]

Core Viewpoint - China Life Insurance Nanning Branch (Nanning Guoshou) emphasizes its commitment to financial services for the real economy and improving people's livelihoods through innovative practices in health insurance [1][2]. Group 1: Health Insurance Initiatives - Nanning Guoshou has participated in the "Hui Yong Bao" project for four consecutive years, providing comprehensive health insurance coverage for a premium of 79 yuan per year, offering benefits up to several million yuan for hospitalization and rare diseases [1][2]. - The project has enrolled over 2.75 million participants, with total claims exceeding 170 million yuan, reducing the medical burden for participants by an average of 6.2% [2]. - The insurance scheme allows the use of personal medical insurance accounts for family coverage, enhancing accessibility and collaboration within the multi-tiered medical insurance system [2]. Group 2: Comprehensive Medical Coverage - Nanning Guoshou provides urban and rural residents with major illness insurance, covering 5.76 million insured individuals, and has established partnerships with nearly 1,800 medical institutions for extensive claim settlement [2]. - The company has paid out a total of 1.062 billion yuan in claims, implementing a one-stop settlement process for basic medical insurance, major illness insurance, and medical assistance [2]. Group 3: Targeted Insurance Products - In 2024, Nanning Guoshou will offer inclusive insurance products tailored for specific groups, including women's health and student safety insurance, with total coverage exceeding 100 billion yuan [3]. - The company has launched a "New Citizen Exclusive Protection Plan" for new urban residents, providing flexible insurance options and risk coverage for nearly 30,000 individuals [3]. - The "Anti-Poverty Insurance" project aims to support around 70,000 migrant workers with coverage for accidents, serious illnesses, and disabilities, while collaborating with government departments for health monitoring and risk prevention [3].

Core Insights - China Life Insurance Guangxi Branch (referred to as "Guangxi Guoshou") has achieved significant growth in total premium income, reaching 17.1 billion yuan in 2024, a year-on-year increase of 36%, capturing a market share of 34% [1] - The company has actively participated in rural revitalization efforts, undertaking 48 targeted assistance projects and launching the "Anti-Poverty Insurance" initiative, which was recognized as one of the top ten cases in national financial support for key rural revitalization counties [1] - In the major illness insurance sector, Guangxi Guoshou successfully won bids for urban and rural residents' major illness insurance projects across 14 cities, covering nearly 44 million insured individuals, with claims amounting to 2.7 billion yuan in 2024, a 23% increase year-on-year [1] Group 1 - Guangxi Guoshou has implemented a one-stop settlement mechanism integrating basic medical insurance, major illness insurance, and medical assistance, effectively reducing the medical burden on the public [1] - The company has upgraded its systems in collaboration with relevant firms, achieving a 60% reduction in operational costs for medical insurance and commercial insurance integration [1] Group 2 - Since April 2022, Guangxi Guoshou has been managing customized commercial insurance (Hui Min Bao) in urban areas, achieving a participation rate of 15% in Nanning, and completing the launch of this insurance across 14 cities within a year [2] - By March 2025, the company has processed claims for 76,000 individuals, totaling 170 million yuan, while actively adjusting plans to ensure the sustainability of projects facing increased payout rates [2] - In 2024, Guangxi Guoshou provided over 600 billion yuan in insurance coverage for specific groups, including 1.57 million women, 2.39 million students, and 75,800 disabled individuals [2]

Core Viewpoint - China Pacific Insurance (CPIC) has consistently upheld its commitment to being a responsible insurance company, engaging in various social welfare initiatives to enhance public well-being and support vulnerable groups [1]. Group 1: Social Responsibility Initiatives - CPIC has made continuous contributions to society, including donations to children's welfare institutions for 27 consecutive years, building over 60 Hope Primary Schools, and protecting the "Three Rivers Source" public welfare forest [1]. - The Taibao Blue Public Welfare Foundation focuses on public welfare in the field of cognitive disorders, promoting awareness and care for affected groups through various initiatives [1]. Group 2: Specific Programs and Donations - In April 2022, CPIC's Pacific Health Insurance donated 2 million yuan to establish the "Taibao Blue Star Anxin Autism Special Fund," aimed at supporting children with autism and their families [1]. - On April 2, 2023, which marks the 16th "World Autism Awareness Day," Taibao Blue Public Welfare launched the "Star Children" dream painting program, including various activities to nurture the artistic potential of children with autism [1][2]. Group 3: Call to Action - CPIC has issued a public invitation for individuals and organizations to join the "Guarding Stars" initiative, encouraging collective efforts to provide warmth and support to children with autism [2]. Group 4: Event Timeline - The collection period for artwork from children with autism is from now until March 15 [3].