Retail businesses today face a lot of challenges associated with the rising consumer foot traffic, sales, and efforts in reducing the overall management costs. In the competitive retail industry, it is more crucial for store owners to create and sustain a differentiated shopping experience that can help in achieving long-term customer loyalty and enhanced customer experience. Accordingly, the digital age has paved the way for the growth of innovative technologies where retailers that implement them can create a valuable and memorable experience for shoppers than their competitors. Customers are also more engaged with the retail automation features as they are more intuitive, informative, and personalized.

Retail automation is a set of automated processes that integrate software and hardware solutions to manage the retail activities such as inventory management, product management, workforce management, store audit, and others. Retail automation includes typically self-service processes and standalone kiosks that operate as fully automatic retail stores with the help of software integrations. Rise in margin pressure is driving the retailers to opt for unique solutions to stay ahead in the highly competitive market and increase in global e-commerce activities across the globe has positively impacted the retail automation market.

Travel insurance covers the expenses incurred and minimizes the risks during travel. It acts as a cushion in situations such as trip cancellation due to medical emergency, loss of baggage, evacuation due to medical condition or hijack, and loss of travel documents, among others. The travel insurance providers are executing travel rules & regulations, developing their existing offering by implementing advanced technologies that addresses a variety of customized coverages in the market, which is expected to fuel the growth of the travel insurance market. An in-depth analysis across North America, Europe, Asia-Pacific, and LAMEA has also been included. This report features information on travel insurance offered by key vendors. Furthermore, it highlights the strategies of key players to improve the market share and sustain competition.

Fitch Ratings has published the 11th edition of its Global Reinsurance Guide. This document provides reinsurance brokers, security committees and reinsurance investors with Fitch’s latest research and views on the global reinsurance sector. The Fitch Ratings 2021 Outlook: Global Reinsurance report discusses the key drivers behind the negative sector outlook. The report highlights the issues that Fitch expects to affect reinsurers during 2021. These issues include: • Ultimate losses for the coronavirus pandemic • Risk-adjusted price rises • Stalling growth in alternative capital capacity The Global Reinsurers: Mid-Year 2020 Results report provides a review of the financial results and performance highlights released during the 1H20 reporting period by Fitch’s portfolio of reinsurers. The European Reinsurance – Peer Review report outlines Fitch’s views on the key credit factors of the four major European reinsurance organisations: Hannover Re; Munich Re; SCOR and Swiss Re. The Asian Reinsurance Market 2020 report explores the improving pricing environment against the backdrop of the coronavirus pandemic. The report also discusses M&A activity in Asian reinsurance, changes in regulation and the gradual pick-up of interest in insurance-linked securities. The Reinsurance in Latin America report discusses the smaller natural catastrophe losses in 2019 than in 2018 and the impact of the coronavirus pandemic on earnings. The report also discusses the importance of reinsurance protection against natural catastrophe claims for local primary insurers.

保险作为金融板块线上化难度最大、服务链条最长的行业，正处于加速线上化的过程之中。无论是传统还是科技保险公司，均与流量平台相向而行，共同寻求用户利益最大化的可持续解决方案。谁解决这个难题，谁就是最大赢家。

当前我国进入“多元保障”阶段：后疫情时代健康险虽然保持高增速，但分险种及新单续期拆分看，主要为续期业务的高增长以及部分短险新单的增长，而重疾新单明显负增长、医疗险新单也仅为个位数增长，后疫情时代健康险的新单增速并不乐观，居民对高价值健康险产品购买力有所下降。

2020 年以来，共有4 家融资租赁公司发生信用等级迁移；其中上调3 家，下调1 家，股东支持及企业自身的稳健经营在对融资租赁公司信用风险判断中起着至关重要的作用。

研究腾讯生态圈如何与金融融合，需站在腾讯整体视角俯瞰。我们理解腾讯的商业逻辑，是以社交为圆心、通过流量+资本向外延展辐射，而金融、尤其支付，是腾讯从社交（连接人与人）向外延伸（连接人与内容和服务、连接人与商业）的前提和基础。

平安好医生是平安医疗生态圈的重要战略组成，扮演流量入口与线上医疗提供者。平安医疗生态圈与平安集团有较大战略协同作用，对用户方、支付方、服务方进行横向打通，好医生卡位流量入口，提供线上服务，完成线上线下协同。服务政府撬动医疗资源，科技赋能建立竞争壁垒，实现纵向连通。保险+健康实现主业协同，集团每年15%-20%的新增用户来自医疗生态圈，使用医疗生态圈服务的金融客户客均AUM 达1 万人民币。好医生孵化于集团，受益于集团的品牌效应和客户渠道资源。

2020 年12 月31 日，沪深交易所正式发布新修订的《上海证券交易所股票上市规则》、《深圳证券交易所股票上市规则》，及《上海证券交易所科创板股票上市规则》和《深圳证券交易所创业板股票上市规则》等退市制度改革文件。

本次修订延续支持实体经济和高质量发展两大精神，有助于提升银行金融服务供给与经济发展目标的契合度，从而在中长期更好地实现互利共荣。

为什么有的寿险企业的估值水平能持续提升，有的却不行？为什么有的寿险企业在H 股和A 股的估值差异这么大？我们试图用一个简单的逻辑来探讨以上问题，将寿险企业视为一张保单，通过简单的量化手段来分析这个保单的市场估值变动，给出更容易被接受的结论。