Insurance claims services involve the process of managing and settling claims made by policyholders after an insured event, such as an accident, natural disaster, or health issue. These services ensure that claims are processed efficiently, accurately, and fairly, providing financial compensation to the insured parties as per the terms of their insurance policies.

Insurance BPO is the practice of outsourcing specific business processes or functions in the insurance industry to third-party service providers. In this arrangement, insurance companies delegate non-core activities to third-party entities that specialize in those functions. The goal of insurance BPO is typically to increase efficiency, lower costs, and improve overall operational effectiveness, allowing the insurance company to concentrate on its core competencies.

An insurance brokerage is defined as an intermediary that facilitates the purchase of insurance by representing clients in negotiations with multiple insurance companies.

当前银行存款和理财产品收益率处于历史低位，而股票市场赚钱效应持续积累，A 股内在回报率持续提升，规模庞大的增量资金极有可能涌入股票和基金市场推动 A 股迎来一轮大级别上行行情。基于此，我们构建了增量资金入市的潜力和热度指标，目前来看潜力指标尚处于历史均值以下，热度指标处于均值+1 倍标准差以下，距离历史高位仍有较大增长空间。当前融资余额持续增长、私募基金规模持续攀升、个人投资者开户数活跃，成为当前增量资金入市的主要渠道。展望后市，偏股公募基金有望继续接力，外资也有望继续净流入成为重要的增量资金来源。参考前两轮牛市，估算潜在增量资金仍有 5.4 万亿元。

Impact investing refers to the act of investing capital with the goal of generating a social or environmental impact, as well as a financial return. Instead of solely focusing on financial gains, impact investors seek to create positive change through their investments by supporting projects and companies that address issues such as poverty, climate change, and inequality. The impact can be measured through specific metrics that evaluate the progress toward achieving a desired social or environmental outcome.

Human resource (HR) technology refers to the use of digital tools and software to streamline, automate, and optimize various human resource functions, such as recruitment, payroll processing, performance management, employee engagement, learning and development, and workforce analytics. These technologies help organizations improve efficiency, enhance employee experience, ensure compliance, and make data￾driven HR decisions.

Betting on horse racing and other sports is a form of gambling that involves placing a bet on the outcome of sports events. The major objective of betting on horse racing and other sports is to win money. Online and land-based or offline betting is majorly done on various sports events. Brokers and agents act as mediators between customers and bookmakers in the betting process. Betting services are available for various sports, including football (soccer), tennis, basketball, cricket, horse racing, and baseball, among others, at both the professional and non-professional levels. In countries that have relaxed regulations related to sports betting, bettors generally bet through sportsbooks or bookmakers. On the other hand, in countries where betting is illegal, bettors bet through privately run enterprises.

HoReCa refers to businesses that provide food, beverages and accommodations to individuals and groups, such as hotels, restaurants, cafes, bars, catering companies, and other hospitality establishments.

Home equity lending, also known as an equity loan, home equity installment loan, or second mortgage, is a type of consumer debt. Homeowners can borrow money using home equity loans as collateral. The difference between the homes current market value and the homeowners outstanding mortgage balance determines the loan amount. Home equity loans are of two types: fixed-rate loans and home equity lines of credit (HELOCs).

美聯儲相隔接近10個月後，重啟了新一輪減息週期，亦附合我們在今年6月的預測，美國在今年9月會減息一次。然而，美國在今年第一季度國內生產總值GDP意外地轉為負增長，是自 2022年以來首見萎縮，雖然美國總統特朗普多次施壓美聯儲減息，也沒有動搖美聯儲的決定，繼續維持利率不變。自從美國就業數據轉差，非農就業數據6月份開始被修正向下，市場擔憂美國勞動力市場持續放緩，將影響美國經濟增長。美聯儲終於釋放鴿派訊號，暗示利率在未來 有調低的可能性。根據聯儲局最新利率點陣圖顯示，美聯儲在今年內還會有減息兩次的機會。