Core Viewpoint - The implementation of "reporting and operation integration" in the non-auto insurance sector aims to enhance risk assessment and management, thereby improving the insurance industry's role in economic stability and social security [1] Group 1: Regulatory Changes - The National Financial Supervision Administration has issued a notice to strengthen the regulation of non-auto insurance businesses, officially launching "reporting and operation integration" [1] - Starting from March 2025, the National Financial Supervision Administration has sought opinions from industry stakeholders regarding the "reporting and operation integration" policy [1] Group 2: Company Initiatives - China People's Property Insurance Company (PICC) has identified the implementation of "reporting and operation integration" as a key task for 2025 and has established a dedicated working group to advance this initiative [1] - PICC is collaborating with the China Insurance Industry Association to promote "fee-for-policy issuance" in regions such as Shandong and Yunnan [1] Group 3: Product Development and Optimization - PICC is actively involved in the development of demonstration products for new insurance and safety responsibility insurance, including the optimization of compensation mechanisms [2] - The company is conducting a comprehensive review and systematic evaluation of existing non-auto insurance products and terms, initiating upgrades to pricing models for various insurance products [2] - PICC has developed a marketing expense governance optimization plan to ensure transparency and compliance in expense management [2]

近日，金融监管总局发布《关于加强非车险业务监管有关事项的通知》（以下简称《通知》），对非车 险监管政策进行了全面梳理和系统优化，规范了相关产品的开发使用，强化保险费率管理，要求严格执 行经备案的保险产品，推动非车险产品的使用符合备案内容，标志着非车险领域"报行合一"全面启动。 对此，人保财险、太平财险、平安产险等保险机构作出回应。 人保财险 参与首新保险、安责险行业示范产品研发 一是推动相关部门出台《关于进一步完善首台套重大技术装备首批次新材料保险补偿政策的意见》等政 策，优化首新保险补偿机制；二是在行业协会组织下，牵头推进并完成首新保险示范产品开发，参与编 写《中国保险行业协会首台（套）首批次综合保险配套承保理赔服务指引》，规范产品经营；三是在行 业协会指导下，牵头制定《安全生产责任保险实施办法》，完善"4+2+1"配套落地方案。 预先启动非车险产品改造工作 对现有非车险产品和条款进行全面梳理和系统性评估，率先启动企财险、雇主责任险和安责险产品改造 与定价模型升级，从源头保障符合"报行合一"政策要求。 全面启动非车险费用治理工作 制定《营销费用治理优化工作方案》，优化营销费用管理模式，从产品、客户、团队维度 ...