PICC 601319.SH PICC 1339.HK PICC P&C 2328.HK CONTENTS 01 02 03 Focus on transformation and upgrading to avoid "involution"-style competition in non-auto insurance In recent years, the non-auto insurance segment has been struggling with spiraling expenses, inadequate premium rate and chronic underwriting losses due to irrational competition. These issues not only undermined insurers' compliant operation and financial stability, but also exposed consumers to potential rights violation, ultimately impeding the ...

Core Viewpoint - The development of inclusive finance in China has made significant progress, establishing a multi-level supply structure that enhances financial service coverage, accessibility, and satisfaction for the public and small enterprises [1][4]. Group 1: Inclusive Finance Development - The implementation plan for high-quality development of inclusive finance aims to establish a comprehensive system within five years, optimizing service systems and improving credit and insurance frameworks [1][3]. - The focus is on meeting diverse financial needs of the public and the real economy, addressing issues like high loan costs and accessibility [1][4]. Group 2: Local Case Study - In Jinqiu Street, Shandong Province, the local rush grass weaving industry has flourished with the support of inclusive finance, with over 300 enterprises and more than 12,000 direct employees [1][2]. - The introduction of tailored loan products like "Liu Bian Loan" has helped small business owners like Zhang Huihua secure necessary funds quickly, often with same-day disbursement [2][3]. Group 3: Financial Products and Services - Various specialized loans have been developed, including "Greenhouse Loan," "Prawn Loan," and "Catering Loan," to cater to the specific needs of local industries [3][5]. - The "Family Affinity Loan" allows family members to act as guarantors, addressing the challenge of finding collateral in rural areas [5][6]. Group 4: Insurance Role - Insurance products such as employer liability insurance and property insurance have been introduced to protect small businesses and their workers from risks, ensuring stability in production [8][9]. - The plan emphasizes the need for diverse insurance offerings that are affordable and easy to understand, enhancing the security of small enterprises [9]. Group 5: Accessibility of Financial Services - Local banks have established service stations in villages, providing essential banking services and facilitating easier access to financial products for residents [10][11]. - Initiatives like "Financial Night School" have been launched to educate the community on financial literacy, enhancing the overall understanding of financial products and services [11].

博兴县锦秋街道草柳编手工艺人王贵芝正在赶制草柳编产 品。 初宝瑞摄 数据来源：中国人民银行等 博兴县麻大湖国家湿地公园盛产用于草柳编的芦苇和蒲 草。 田 军摄 为创业就业添动力，为小微企业增活力，为乡村全面振兴送"活水"……近年来，我国普惠金融发展取得 长足进步，多层次普惠金融供给格局逐步确立，金融服务覆盖率、可得性、满意度明显提高。 习近平总书记指出："要始终坚持以人民为中心的发展思想，推进普惠金融高质量发展，健全具有高度 适应性、竞争力、普惠性的现代金融体系，更好满足人民群众和实体经济多样化的金融需求，切实解决 贷款难贷款贵问题。" 博兴农商银行工作人员深入草柳编加工车间走访问需。 王 冬摄 普惠金融关系着民生福祉。今年，国家金融监督管理总局、中国人民银行联合发布《银行业保险业普惠 金融高质量发展实施方案》（以下简称《实施方案》）提出，未来五年，基本建成高质量综合普惠金融 体系，普惠金融服务体系持续优化，普惠信贷体系巩固完善，普惠保险体系逐步健全。 金融"活水"如何精准滴灌千企万户，为民生增福祉？近日，记者走进山东省滨州市博兴县锦秋街道，感 受普惠金融的力量。 锦秋街道位于城区南部，鲁北地区重要的淡水湖泊 ...

Core Insights - The article emphasizes the critical role of commercial insurance in the modern financial system, providing risk protection and financial planning for individuals and businesses [1][6]. Group 1: Types of Personal Insurance - Life insurance is a key component of personal insurance, providing financial support to families in the event of the insured's death, disability, or illness [1]. - Health insurance covers medical expenses due to illness or injury and offers income compensation for disabilities, supplementing social health insurance [1]. - Critical illness insurance provides a lump-sum payment upon diagnosis of specific serious illnesses, assisting with treatment and living expenses during recovery [1]. - Accident insurance covers death or disability resulting from accidents and medical expenses incurred due to such incidents, offering financial support to the insured and their families [2]. Group 2: Types of Property Insurance - Property insurance protects against losses from natural disasters and accidents, covering damages to business premises and equipment [3]. - Comprehensive property insurance expands coverage to include a wider range of natural disasters [3]. - Transportation insurance covers risks associated with various modes of transport, including vehicles and cargo during transit, reducing the risk of loss for owners [3]. - Engineering insurance addresses risks during construction projects, covering natural disasters, accidents, and third-party liabilities [3]. Group 3: Types of Liability Insurance - Liability insurance covers civil damage compensation responsibilities that the insured must legally bear, such as public liability insurance for accidents in public spaces [4]. - Product liability insurance protects manufacturers and sellers against claims for damages caused by defective products [4]. - Employer's liability insurance covers employers' responsibilities for accidents or occupational diseases affecting employees during their employment [4]. Group 4: Credit and Guarantee Insurance - Credit insurance protects against the risk of non-payment in international trade, compensating exporters if importers default on payments [5]. - Guarantee insurance provides assurance for contractual obligations, ensuring compensation if one party fails to fulfill their contractual duties [5].

在竞争激烈的商业环境中，每一位员工都是企业发展的核心力量。然而，工作场所潜藏的风险却难以预知，员工因工受伤、患病甚至更严重的意外事件，不 仅会给当事人及其家庭带来巨大痛苦，也可能让企业陷入经济与声誉的双重危机。此刻，雇主责任保险将成为您坚实的后盾，为企业稳健发展保驾护航！ 直面风险，雇主责任保险不可或缺 从建筑工地的高空作业到工厂车间的机械操作，从办公室的突发疾病到差旅途中的意外事故，用工风险无处不在。一旦风险转化为事故，企业需承担的赔偿 费用往往超出预期，包括医疗费用、误工补偿、伤残赔偿、法律诉讼费用等。巨额的经济负担，可能让企业资金链紧绷，甚至影响正常运营。即便企业拥有 完善的安全管理体系，也无法完全杜绝意外的发生，而雇主责任保险正是企业转嫁风险、化解危机的关键工具 。 全方位保障，彰显保险硬核实力 雇主责任保险以企业的法律赔偿责任为核心，为企业提供广泛且实用的保障。 ●医疗与赔偿保障：员工因工作遭受意外伤害或患职业病，保险将承担合理且必要的医疗费用，并依据伤残等级、误工时长等进行相应赔偿，确保员工得到 妥善救治与补偿，同时减轻企业的经济压力。 ●法律费用支持：当员工因工伤事故提起法律诉讼，保险可支付企业 ...