核心观点2024 年受灾害多发等因素影响，公司整体赔付率有所提升，承保利润同比-43.9%，但权益市场回暖带动公司总投资收益大幅改善，进而带动整体归母净利润同比+30.9%。展望来看，负债端方面，一系列提振消费政策的发力、农险“提标、扩面、增品”、居民健康保障需求广阔和宏观经济持续复苏的背景下，公司保费亦有望实现稳健增长。车险“报行合一”政策推进带动行业竞争回归有序，公司主动推进降本增效和费用...
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