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耐心资本浇灌、保险精准护航 中国人寿奋力书写“科技金融”新篇,耐心资本浇灌、保险精准护航 中国人寿奋力书写“科技金融”新篇_我的网站

A |     　　“九大战略性新兴产业、六大未来产业，代表了中国经济新旧动能转换的核心方向，也是孕育未来核心资产的沃土。”中国人寿保险股份有限公司(以下简称“中国人寿”，股票代码：601628.SH,2628.HK)有关负责人说，代表中国未来的领域，就是长期资金的投资方向。    LOS ANGELES -- By the time the scuba dive boat sank off the Southern California coast after catching fire, 34 people had been killed in the deadliest maritime disaster in recent U.S. history.The Labor Day tragedy in 2019 spurred changes to maritime regulations, congressional reform and civil lawsuits. Now four years later, a federal trial for the Conception's captain, Jerry Boylan, is set to begin Tuesday with jury selection in Los Angeles.It's been a long, frustrating wait for the families of those who perished. They say a judge's ruling that their loved ones should not be called “victims” at trial has only added to their pain. “The past four years have been like living in a nightmare that you don’t wake up from,” said Kathleen McIlvain, whose 44-year-old son Charles was killed. The 75-foot (23-meter) boat was anchored off the Channel Islands, about 25 miles (40 kilometers) south of Santa Barbara, on Sept. 2, 2019, when it caught fire before dawn on the last day of a three-day excursion, sinking less than 100 feet (30 meters) from shore. The National Transportation Safety Board blamed Boylan for the tragedy, saying his failure to post a roving night watchman allowed the fire to quickly spread undetected, trapping the 33 passengers and one crew member below. Those on board included a new deckhand who’d landed her dream job and an environmental scientist who did research in Antarctica, along with a globe-trotting couple, a Singaporean data scientist, three sisters, their father and his wife. U.S. District Judge George Wu on Oct. 12 granted Boylan's request to bar most if not all references to “victims” — which the captain's attorneys say is a prejudicial term that jeopardizes his right to a fair trial. It's the latest setback for the prosecution.A grand jury in 2020 initially indicted Boylan on 34 counts of a pre-Civil War statute colloquially known as “seaman’s manslaughter” that was designed to hold steamboat captains and crew responsible for maritime disasters. Each count carries up to 10 years in prison in a conviction, for a total of 340 years.Defense lawyers sought to dismiss those charges, arguing the deaths were the result of a single incident and not separate crimes. Prosecutors got a superseding indictment charging Boylan with only one count.Then in 2022, Wu ruled the superseding indictment failed to specify that Boylan acted with gross negligence, saying that was a required element to prove the crime of seaman’s manslaughter. He dismissed that indictment, forcing prosecutors to go before a grand jury again.Boylan is now charged with one count of misconduct or neglect of ship officer. The single count means he faces only 10 years behind bars if convicted.He has pleaded not guilty and denied any wrongdoing. His federal public defenders did not return The Associated Press' repeated requests for comment, and a spokesperson for the U.S. Attorney's Office declined to comment.Some of the dead were wearing shoes, prompting investigators to believe they were awake and trying to escape. Both exits from the below-deck bunkroom were blocked by flames. Coroner’s reports list smoke inhalation as the cause of death, though official autopsies were never conducted.What exactly started the predawn fire remains unknown. Early official scrutiny appeared to focus on a spot where divers plugged in phones and other electronics. But a Los Angeles Times story, citing a confidential report by the Bureau of Alcohol, Tobacco, Firearms and Explosives, said the blaze began in a plastic trash can on the main deck though an official cause remains undetermined. Boylan and four crew members sleeping in the upper deck told investigators they tried to save the others but were ultimately forced to jump overboard to survive. Boylan made a mayday call at 3:14 a.m. just before abandoning ship.Dozens of family members have since formed “Advocacy34” to push for strengthened boating regulations. While seeking answers, they’ve comforted each other during loved ones’ missed birthdays and mourned each anniversary.“We have no idea when we’ll get those answers, or if we ever will,” McIlvain said.At the time of the fire, no owner, operator or charterer had been cited or fined for failure to post a roving patrol since 1991, Coast Guard records showed.The NTSB faulted the Coast Guard for not enforcing that requirement and recommended it develop a program to ensure boats with overnight passengers actually have the watchman.The Coast Guard has since enacted new regulations regarding fire detection systems, extinguishers, escape routes and other safety measures as mandated by Congress. But it has yet to implement a comprehensive safety management system after industry advocates pushed back, citing costs.Victims' families have sued the Coast Guard in one of several ongoing civil suits.Three days after the inferno, Truth Aquatics Inc., which belongs to the Conception’s owners, Glen and Dana Fritzler, filed a lawsuit in U.S. District Court in Los Angeles under a pre-Civil War provision of maritime law that allows it to limit its liability to the remains of the boat, which was a total loss. The time-tested legal maneuver has been successfully employed by the owners of the Titanic and other vessels, and requires the Fritzlers show they were not at fault.The couple's attorneys did not respond to requests for comment.In response to the families' outcry, federal lawmakers last year updated the Limitation of Liability Act of 1851 so owners can be held liable for damages regardless of the boat’s value afterward. The law is not retroactive, however, and will not apply in the case of the Conception.。　　S基金、PE基金、并购基金……近几年，中国人寿不断创新实践，将“耐心资本”投向硬科技领域。仅今年以来，该公司已公告三项股权投资，投向半导体、人工智能、集成电路和生物医药等领域，累计出资额超118亿元。这是中国人寿作答“科技金融”的投资面，与之同向护航科技的还有保险保障面。　　不仅科技金融，中国人寿正通过系统布局与创新实践，将“五篇大文章”深度融入经营中。在其看来，做好金融“五篇大文章”既是新时代赋予保险业的必答题，也是公司实现高质量发展的内在路径。　　“投资+保险”护航创新全链条　　展望“十五五”时期，中国人寿表示，将继续围绕国家培育壮大新兴产业、超前布局未来产业的部署，利用并购基金、PE基金、S基金等多元化的工具，为新质生产力的发展壮大贡献力量。　　回顾“十四五”期间，中国人寿深入作答“科技金融大文章”，统筹运用保险资金投资与保险保障两种方式，为科技型企业提供全链条、全生命周期金融服务。　　在投资端，该公司深耕布局，赋能科技自立自强，形成一批“耐心资本”投向硬科技的典型项目。　　2023年，中国人寿出资117亿元以S份额方式受让上海集成电路产业投资基金股权，投资于近二十家集成电路领域领军企业。　　2024年，中国人寿再出资41亿元以S份额方式受让北京市科技创新基金，后者是全国首支聚焦硬科技投资的政府投资母基金。

B | 截至2026年6月30日，该基金覆盖75只子基金，穿透投资1597家科技企业，其中国家级“专精特新”企业413家，省级“专精特新”企业445家，“独角兽”企业约60家；穿透投资企业中55家企业已实现上市。　　继上述两个S交易之后，中国人寿在2025年探索并购基金，投资“上海芯合创一号私募投资基金”5亿元，为集成电路软件行业的集约化发展与技术迭代提供支撑。　　在保险保障端，中国人寿业务精准对接，护航企业安心创新。2026年上半年，中国人寿战略新兴产业保险保费收入达17.5亿元。　　数字背后是各地探索创新。

C | 例如，上海市分公司成立团体科技保险产品开发及推广项目组，深入开展科技保险市场调研，针对科创企业全生命周期风险痛点，设计国寿科技企业员工福利保障计划，为科技型企业员工提供标准化菜单式服务与量身定制综合性解决方案。　　深入实践织密民生保障网　　保险作为经济减震器和社会稳定器，正深度融入国家民生保障大局。中国人寿作为寿险“头雁”，在做好“普惠金融”、筑牢民生底线上，有更大责任担当，也有更多实践。　　今年7月17日，中国人寿辖下西藏自治区阿里地区分公司揭牌运营满一周年。一年前，中国人寿阿里分公司落地揭牌，一举补齐藏西寿险服务空白。这家扎根平均海拔4500米“世界屋脊的屋脊”的全新机构，是中国人寿践行金融工作政治性、人民性，推动金融保险服务向藏西边境、高海拔牧区前移覆盖的标志性实践。

D | 　　自开业经营以来，中国人寿阿里分公司立足阿里地域辽阔、高寒缺氧、村组分散、边境线长、文旅客流密集的地域特点，聚焦牧区群众、边境村民、基层干部、景区游客多元群体需求，落地公益保障、上门理赔、全域消保宣教、属地协同发展等多项重点工作。一年来，该公司已累计为超5400人次群众提供风险保障服务，总保障金额超5.8亿元，用力用情服务父老乡亲。　　陕西省宝鸡市眉县的汶家滩村是中国人寿“普惠保险全保村”。中国人寿眉县支公司的驻村专员有五个身份——普惠保险服务员、医保政策宣传员、道交基金联络员、医保外伤调查员、综合金融网格员，是村里的“百事通”。　　“医疗理赔不出门，身故理赔不出村”，驻村专员教会了年轻人用手机理赔，对用不惯智能机的老人更直接“上门赔”——进家门、收资料、帮上传。

E | 通过“一个人、一个村”网格化安排，中国人寿将综合服务送到乡亲们身边。　　这些只是中国人寿在全国范围内广泛开展普惠保险的点滴。中国人寿通过全域覆盖，织牢多层次保障网络。　　在支持乡村全面振兴领域，截至2026年6月底，涉农人身保险承保超1.4亿人次，提供人身保险保额超17万亿元，向710余万人次赔付超340亿元。　　截至今年5月末，中国人寿累计参与承办200多个大病保险项目、80多个长期护理保险项目和140个城市商业医疗险项目。　　围绕“两新”人群、小微企业、学生儿童、老年群体等重点客群，中国人寿持续创新开发产品，兼顾普惠性与实用性，满足多元保障需求。

F | 　　写好“五篇大文章”与高质量发展目标契合　　不仅科技金融、普惠金融，中国人寿通过系统性布局与创新实践，将“五篇大文章”深度融入经营中。　　在绿色金融领域，中国人寿将绿色理念贯穿经营全流程，构建绿色投资、绿色保险保障、绿色运营三位一体发展体系，主动投身污染防治、“双碳”战略实施，为美丽中国建设注入国寿力量。

G | 持续完善责任投资管理流程，在投前、投中、投后全流程纳入ESG考量，以长期保险资金助力清洁能源规模化发展。　　在养老金融领域，中国人寿以保险温度守护银龄幸福生活，构建覆盖养老保障、养老产业投资、康养生态建设、适老化便民服务全链条养老金融生态，全方位夯实多层次养老保障体系。

H | 　　在数字金融领域，中国人寿将科技创新作为驱动发展的核心引擎，以数字化、移动化、智能化全面重塑业务形态，在数字金融赛道上跑出了加速度。该公司在前沿智能领域引入多个高质量大模型，累计落地数百个智能应用场景，覆盖销售、客服、风控、运营、财务、精算等核心业务领域，在智能承保、智能核保、智能问答、自动理赔、投资分析等关键环节取得成效，业务实现智能化转型升级。　　在中国人寿看来，做好金融“五篇大文章”既是新时代赋予保险业的必答题，也是公司实现高质量发展的内在路径。实践证明，写好“五篇大文章”，与中国人寿做强主业、提升价值、防范风险的经营目标高度契合。“公司在服务国家发展大局中拓宽了发展空间，在守护人民美好生活中持续厚植了发展根基，这一过程相辅相成、有机统一，构成行稳致远的核心逻辑。”该公司有关负责人表示。　　中国人寿表示，立足“十五五”新起点，公司将以“五篇大文章”为核心战略抓手，踏上高质量发展新程，奋力谱写“头雁领航、五篇成势”的时代新篇。

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