公司简介

中国人民财产保险股份有限公司（PICC P&C，简称“中国人保财险”）的前身是1949年10月20日成立的中国人民保险公司，是“世界500强”中国人民保险集团股份有限公司（PICC）的核心成员和标志性主业。2003年，中国人保财险在香港联交所主板挂牌上市（股票代码2328）。2016年，公司实现发展新跨越，保费收入突破3000亿元。

PICC Property and Casualty Company Ltd. (PICC P&C),started as the People’s Insurance Company of China onOctober 20th 1949, is a core member and flagship subsidiary of the PICC Group, a Fortune 500 company.In 2003, PICC P&C launched its IPO in Hong Kong Stock Exchange (stock code 2328). In 2016, the Company’s premium income exceeded 300 billionYuan,which made a new breakthrough.

中国人保财险始终坚持党的领导，始终坚决服从并贯彻落实党的大政方针和国家各项决策部署，牢记“人民保险服务人民”的历史使命，坚持以市场为导向、以客户为中心，积极履行政治、经济和社会责任，做全面建设小康社会的推动者，做国家治理和社会管理的参与者，为经济发展、社会稳定、国家强盛、人民幸福提供了强大的保险保障。同时，在服务经济社会发展大局、服务民生和广大客户的实践中，中国人保财险在车辆保险、三农保险、巨灾保险、大病保险、责任保险、普惠金融和扶贫支农等主营业务方面不断取得突破，承保领域不断拓宽，涉及社会生产和人民生活的各个领域，在国内财险市场上形成了独特的、具有鲜明特色的公司核心竞争优势。

PICC P&C always follows the leadership of the CPC, and strictly abides by guidelines and plans of the CPC andpolicies made by the state. It has always been adhering to the historical mission of “People’s Insurance for the People”, implementing its market-oriented and customer-centric development policy, and actively carrying out its political,economic and social responsibilities. It aims to be a propeller ofturning China into a moderately prosperous society in a well-rounded way, to be a participant in state governance and social management, providing strong insurance protection for economic development, social stability, national prosperity and the people’s happiness. Meanwhile, in its practice of serving the overall economy, social development and its clients, PICC P&C has continued to make breakthroughs in auto insurance, agricultural insurance, catastrophe insurance, major illness insurance, liability insurance, inclusive finance and poverty alleviation, etc. Its coverage continues to expand, covering almost every aspect of the society and people’s lives, which forms its featured and distinctive core competitive advantages in the domestic property insurance market.

政治优势

党和政府一直以来的关注与关怀，赋予了中国人保财险义不容辞的社会责任感；广大人民群众多年来的信赖与肯定，赋予了中国人保财险强烈的使命感。中国人保财险充分发挥经济补偿、资金融通和社会管理职能，积极维护社会稳定，促进经济运行，保障民生改善，完善社会治理，有力彰显了国有保险企业在服务经济社会发展大局中的责任担当和骨干作用，与各级政府建立了良好的合作关系，赢得了社会各界一致认可和广泛赞誉。

Political Advantage

Attention and care from the Party and government endows PICC P&C with the unique sense of social responsibility; trust and praise earned from the public over the years endows PICC P&C with a strong sense of mission. The Company actively plays its role in economic compensation, financing and social management, actively maintains social stability, promotes economy operation, guarantees the improvement of people’s livelihood, perfects social governance, and demonstrates its responsibility and important role of a state-owned insurance enterprise in serving the overall economy and social development. A solid relationship of trust has been built with government authorities on each level, and the Company has won full recognition and praise widely from the society.

机构优势

中国人保财险拥有遍及全国城乡的机构和服务网点，北起漠河、南至三沙，包括1万多个机构网点，超过300个地（市）级承保、理赔/客服和财务中心，2.5万个乡镇保险服务站和近30万个村级保险服务点，乡镇级网点覆盖率达98.94%，服务范围遍及大江南北、城市乡镇、偏远农村，构建了城网农网共建共享、线上线下结合的立体化销售服务网络。

Network Advantage

PICC P&C has business offices and a service network covering both urban and rural areas across the country, from the northernmost point in Mohe to SanshaIslands in the south, including more than 10,000 business branches and offices,over 300 district (city)-level underwriting, claim-handling/customer service and financial centers, 25,000 insurance stations at township level and almost 300,000 insurance outlets in villages. Its service scope covers both the northand the south China, both urban and remote rural areas, of which, 98.94%of towns andvillages are covered. The urban and rural networksare co-built and co-shared, both on-line and off-line, forming a three-dimensional sales and service network in the country.

服务优势

中国人保财险开通365天24小时全国服务专线95518、www.epicc.com.cn官网直销平台、4001234567电话销售专线、移动互联平台、柜面一体化和“中国人保”APP，形成了强有力的服务网络，随时随地为客户提供投保咨询、理赔查询、一站式在线服务，打造了智慧理赔、拇指理赔和极速理赔等高品质保险服务，可以与任何客户实现“点对点”快速对接。打造“人保之友”客户俱乐部，为客户提供与车务和生活相关的增值服务。

Service Advantage

PICC has opened the 24/7 service hotline 95518, the official website of direct sales platform www.epicc.com.cn, and the telephone sales hotline 4001234567, mobile Internet platform, counter integration as well as the APP “PICC”. Theseform a strong service network, which can provide insurance consultancy, claims inquiry, one-stop online service to our clients anywhere at any time. High quality insurance servicessuch as “wisdom claim settlement”, “thumb claim settlement” and “top speed claim settlement” are also provided to clients for their most convenience. The club “PICC’s Companion” is launched to provideclients with motor vehicle and life-related value-added services.

品牌优势

在公司的发展历程中，中国人保财险用诚信、责任、专业、价值塑造了享誉国内外的优势品牌。中国人保财险相继成为2008年北京奥运会、2010年上海世博会、广州亚运会、2016年G20杭州峰会、2017年‘一带一路’国际合作高峰论坛等保险合作伙伴，目前公司财务实力评级为“A1级”。公司荣获“中国社会责任杰出企业”[1]“最佳上市公司”[2]等多项荣誉。

Brand Advantage

On the path of development, PICC P&C has built its outstanding reputation with integrity, responsibility, professionalism and value, both home and abroad. PICC P&C served as the official insurance partners of Beijing 2008 Olympic Games, Shanghai 2010World Expo, Guangzhou 2010 Asian Games, 2016 G20 Hangzhou summit, 2017 Belt and Road Forumfor International Cooperation, etc. Currently, the Company has been rated A1by Moody’s Investors Service. Meanwhile, the Company was awarded “Outstanding Chinese Enterprises in Social Responsibilities” and “Best Public Listed Companies”, etc.

人才优势

中国人保财险建立复合式人力资源管理模式，持续提升组织能力，不断深化核保核赔师、精算师制度建设。实施“千人工程”“晨曦计划”等人才招聘计划，推进销售队伍人力资源改革，优化升级教育培训体系，造就了一大批具有丰富经验的管理人才和遍及财产险各核心业务领域的专业技术人才，打造了一支能够在保险各环节为客户提供高品质和多样化的保险服务、了解国情、经验丰富的高素质销售队伍。

Talents Advantage

PICC P&C has established acomprehensive human resource management model, continued to improve its capability, and strengthened the system-building of the underwriterand actuary teams.The Company has implementedthe talent recruitment program of “Project 1000” and “Sunrise Program” to promote the human resource reform in sales team,optimize and upgradeeducation and training system. The Company has trained a large number of experienced managers and technical professionals covering every major aspect of the property insurance business, and has built a top sales team with sufficient knowledge and rich experience that can provide high quality and diversified services in each step of insurance-related services.

技术优势

中国人保财险拥有先进的产品研发体系，围绕服务政府职能转变、促进经济转型升级和改善民生保障广泛开展产品创新，不断完善产品体系，目前在用条款1万余个，满足了多样化、高品质的保险需求。在26个省（市、区）及两个计划单列市开展了卫星、无人机和地面调查相结合的“天空地”一体化的保险遥感技术应用，无人机航拍面积超过5000平方公里，卫星影像面积超过20多万平方公里，更加有针对性地提升风险管理能力。公司建立管理科学、操作规范的再保险保障体系，形成以合约分保、临时分保、险位超赔、巨灾超赔等互相补充、互相支持的风险分散及风险管理体系，通过专业团队开展分入业务，国际合作对象遍布80多个国家和地区的600多家（再）保险公司。同时，积极响应国家“一带一路”“中国制造2025”等重大战略，大力发展助贷险、出口信用保险、首台（套）重大技术装备保险，创新开发中小企业保险和互联网保险产品，积极开拓海外市场，助力产业结构升级和中国企业“走出去”。

Technology Advantage

PICC P&C has established an advanced product development system. In order to serve the transition of government functions, promote the upgrade of economy, and improve the assurance of people’s livelihood, PICC P&C constantly implements product innovation and improvement. About 10,000 clauses have been used to meet different requirements ofhigh quality insurance services. In 26 provinces (cities, districts) and two cities specially designated in the state plan, the Company used the technique of insurance remote control, namely “the sky and ground combination”, which integrated the investigations via satellites, drones and the scene survey. With over 5,000 square kilometers aerial area and more than 200,000 square kilometers covered by drones and satellites, the insurance remote control technique improveditsrisk management capability. The Company has established a scientific management and a standard operation reinsurance support system, and has set up a risk diversification and risk control system on compensating and sustaining each other by different type of reinsurance, such as treaty reinsurance, facultative reinsurance, excess of loss reinsurance and catastrophe reinsurance, etc. Through the implement of reinsurance business by our professional team, the total number of international partners are more than 600 insurance and reinsurance companies, and they are spread over 80 countries and regions. In the meantime，PICC P&C follows the ‘Belt and Road Initiative’ and ‘Made in China 2025’ important national strategies，makes great efforts on loan assistance insurance, export credit insurance, first set major technical equipment insurance, innovative development of SME insurance and cyber insurance products. In addition, the Company actively explores overseas markets，helps in upgrading industry structure and supporting Chinese enterprises ‘going abroad’.

社会责任

中国人保财险积极参与社会风险管理和社会保障体系建设，不断创新保险机制服务社会管理，充分发挥专业技术和服务优势，利用保险市场化的风险转移机制、社会互助与管理机制，保障经济发展，促进社会和谐，认真履行社会责任。

Social Responsibility

PICC P&C actively participatesin the development of social risk management and social security system, continues to innovate insurance mechanism to serve social management, bringsitstechnical expertise and service advantage into full play, leverages risk transfer mechanism and social mutual aid and management mechanism of insurance to safeguard economic development, promotes social harmony and fulfillsits social responsibility.

重点推进生态环境、食品安全、安全生产、医疗卫生、校园安全、养老服务等与公众利益关系密切的责任保险，大力发展与人民群众生活息息相关的“三农”保险和大病保险等，参与多层次医疗保障体系建设。在天津“8·12爆炸”事故、东南沿海“莫兰蒂”台风、江苏盐城龙卷风、深圳突发重大山体滑坡、福建突发重大泥石流滑坡、江西丰城电厂倒塌事故等重大自然灾害和突发事件面前，第一时间开通大灾理赔通道，抢险救助，抗灾理赔；2016年，中国人保财险处理各类赔案2969万件，累计支付赔款1599亿元，累计承担保险责任金额291万亿元。

PICC P&C has been focusing on the promotion of liability insurance that is closely related to the public interests, such as ecological environment, food safety, production safety, medical care, campus safety and pension service, etc. It also makes great efforts in developing agricultural insurance product as well as major illness insurance, which is closely linked to the people’s lives, and participates in the development of a multi-layer medical insurance system. When faced with the major catastrophes and incidentssuch as 2015 Tianjin explosions, TyphoonMeranti in southeast coast of China, tornado inYancheng, Jiangsu, landslides in Shenzhen, debris flow and landslides in Fujian, and collapse ofthe electric power plant in Jiangxi, PICC P&C opened its green paths for accelerating the process of catastrophe claims settlement, and provided aid and disaster relief immediately. In 2016, the Company handled 29.69 million claim cases, paid 159.9 billion for claims, and insured a total sum of 291 trillion.

中国人保财险积极响应国家扶持“三农”政策，投身农村保险事业，发挥保险支农、惠农、强农、富农的主渠道作用，为新型农村经营主体、小微企业和农户等提供支农支小融资等综合金融服务。2016年，公司实现农业保险保费收入193.61亿元，承保农田6.3亿亩，承保森林10.4亿亩，承保政策性农房1.03亿户，提供农业风险保障2.8万亿元（含农房）。

PICC P&C actively responds to the national policy on supporting agriculture, farmer and rural area development. In order to play the role of insurance business as the main channel of supporting agriculture, benefiting farmers, strengthening agriculture and raising rural living standards, the Company provides comprehensive financial services to the new type of rural operation subjects, small and micro enterprises and farmers. In 2016, the Company achieved premium income of RMB 19.361 billion from agricultural insurance, covering 630 million mu (approximately 104 million acres) farmlands, 1.04 billion mu(approximately 171 million acres) forests and 103 million farmhouses, which provided risk protection of RMB 2.8 trillion for agriculturalinsurance (including farmhouses).

中国人保财险积极投身社会公益事业，扶危济困，奉献爱心，树立国有企业“讲责任、重担当”的良好社会形象。公司积极探索“金融扶贫、保险先行”模式，全力助推保险脱贫攻坚、持续深化定点扶贫、对口援疆工作，以保险机制支持贫困边疆地区脱贫致富；开展爱心助学、绿色出行、义务献血、公益环保、慰问孤寡老人、关爱弱势群体等内容丰富、形式多样的慈善公益类活动，积极传递保险正能量。

PICC P&C actively participates in public welfare activities, helps and devotes to the people in difficulty and poverty tobuildthecharacter ofa state-owned enterprise that values responsibility. The Company actively explores the model of “insurance taking the first steps in poverty alleviation”, works hard on getting rid of absolute poverty and implementing poverty alleviation by insurance, and deepens targeted poverty relief continuously, especially attaches great importance to the development offrontier areas, and supports poverty alleviation in poverty-stricken areas and border areas by providing specific insurance services. The Company is committed to send the positive energy to the society throughdifferent kinds of charity activities, such as philanthropic education aid, green travel, voluntary blood donation, environment protection, condolences to the elderly people living alone and caring for vulnerable groups, etc.

行稳致远，有容乃大。中国人保财险始终保持行业引领，传承创新，与时俱进。不断深化改革创新，全面推进供给侧结构性改革，着力实施大服务战略、全球化战略、互联网战略、价值链战略和平台化战略，努力把公司建设成为战略领先、文化先进、机制科学、队伍一流的全球领先的财产保险公司，充分发挥国有保险企业的主渠道作用，为全面建成小康社会，为实现中华民族伟大复兴的“中国梦”做出积极贡献!

PICC P&C always leads the development of property insurance industry, carrying on its heritage while innovating and advancing over time. The Company will continue to deepen reform and innovation, press ahead supply side structural reform comprehensively,make efforts in implementing strategies on service, globalization, internet, value chain and platformization, and strive to build a world-leading property insurance company with leading development strategy, advanced corporate culture, scientific management mechanism and first-class team. It will fully play itsimportant role of state-owned enterprisesin insurance business, and contribute to attain the well-rounded goal of turning China into a nation of moderate prosperity and the realization of the “Chinese Dream” - the great revival of the Chinese nation!

[1]2016年12月，中国人保财险在新华网、中国社科院企业社会责任研究中心等单位联合主办的“中国社会责任公益盛典暨第九届中国企业社会责任峰会”颁奖活动上，荣获“2016中国社会责任杰出企业奖”。

[2]2016年11月，中国人保财险在香港大公文汇传媒集团联合多家机构主办的第六届“中国证券金紫荆奖”颁奖典礼上，荣获“最佳上市公司”奖项。