天茂实业集团股份有限公司独立董事 对购买华瑞保险销售有限公司60%股权的独立意见 姜海华 张晓苗 徐翔 2023 年 9 月 22 日 根据《深圳证券交易所股票上市规则》、《上市公司独立董事规则》和《公司 章程》等相关规定，我们作为天茂实业集团股份有限公司（以下简称"公司"）的 独立董事，对公司第九届董事会第十一次会议审议《关于购买华瑞保险销售有限公 司60%股权的议案》进行了认真审阅，并发表如下独立意见： 为了打造专业、开放、独立的保险中介销售平台，提升华瑞保险的品牌影响力， 公司拟购买控股子公司国华人寿保险股份有限公司持有的华瑞保险销售有限公司60% 股权，经独立的审计和评估机构出具了审计和评估报告，依据和结果公允、公平、 合理，交易价格由交易双方协商确定，遵循了一般商业条款，本次交易在董事会的 审批权限内，表决程序合法，履行了必要的内部决策程序，不存在损害公司和中小 股东利益的情形。 独立董事签名： ...

证券代码：000627 证券简称：天茂集团 公告编号：2023-032 天茂实业集团股份有限公司 关于购买华瑞保险销售有限公司60%股权的公告 2．公司于 2023 年 9 月 22 日召开第九届董事会第十一次会议审议通过了《关 于购买华瑞保险销售有限公司 60%股权的议案》。七名董事参会，一致表决通过。 为了打造专业、开放、独立的保险中介销售平台，提升华瑞保险的品牌影响 力，2023 年 9 月 22 日，本公司与国华人寿签署了《股权转让协议》，本公司拟 购买国华人寿持有的华瑞保险 60%股权，购买完成后，本公司将持有华瑞保险 60% 股权，国华人寿持有华瑞保险 20%股权。 截止 2023 年 7 月 31 日，华瑞保险（母公司）账面净资产合计为 82,689,284.17 元；经具有证券业务资格的坤元资产评估有限公司出具的《国华人寿保险股份有 限公司拟进行股权转让涉及的华瑞保险销售有限公司股东全部权益价值评估项 目资产评估报告》：截止 2023 年 7 月 31 日，华瑞保险公司股东全部权益的评估 价值为 253,668,200 元。 本次华瑞保险股权转让以华瑞保险股权评估值 253,668,200 元 ...

证券代码：000627 证券简称：天茂集团 公告编号：2023-030 天茂实业集团股份有限公司 关于国华人寿保险股份有限公司保费收入的自愿性信息披露公告 本公司及董事会全体成员保证信息披露的内容真实、准确、完整，没有虚假记载、误导性陈 述或重大遗漏。 天茂实业集团股份有限公司控股子公司国华人寿保险股份有限公司按照"坚定转型发展、 突出价值成长、全面提升能力、迈向成熟险企"的总体思路推进业务发展，在保障全年保费 收入与 2022 年保持基本稳定的同时，根据市场情况，适时调整业务节奏和结构，大力推进长 期价值和风险保障型业务发展，2023 年 1 月 1 日至 2023 年 8 月 31 日期间累计原保险保费收 入约为人民币 3,230,688.33 万元。上述原保险保费收入数据未经审计，提请投资者注意。 特此公告。 天茂实业集团股份有限公司董事会 2023 年 9 月 13 日 1 ...

Financial Performance - The company's operating revenue for the first half of 2023 was CNY 33,432,306,515.06, an increase of 21.13% compared to CNY 27,600,238,815.91 in the same period last year[15]. - The net profit attributable to shareholders of the listed company was a loss of CNY 187,396,694.32, a decrease of 206.39% compared to a profit of CNY 176,142,126.86 in the previous year[15]. - The net cash flow from operating activities was CNY 15,107,260,645.50, a significant increase of 402.46% compared to a negative cash flow of CNY 4,994,823,556.38 in the same period last year[15]. - The total assets at the end of the reporting period were CNY 307,978,881,044.15, representing a growth of 6.72% from CNY 288,598,690,187.29 at the end of the previous year[15]. - The net assets attributable to shareholders of the listed company decreased by 2.35% to CNY 20,909,376,982.64 from CNY 21,411,955,513.57 at the end of the previous year[15]. Insurance Business Performance - The company achieved a total insurance premium income of CNY 3,343,249.82 million in the first half of 2023, with a net profit of CNY -39,287.75 million[35]. - The new single premium income accounted for 29% of the new single scale premium, an increase of 8 percentage points compared to the same period last year[40]. - The company reported a 32.70% increase in individual life insurance premiums, reaching CNY 28,373.14 million compared to CNY 21,381.79 million in the previous year[42]. - The total insurance premium income from life insurance was CNY 27,936.39 million, reflecting a growth of 33.53%[43]. - The top three regions for original insurance premium income were East China, North China, and Central China, accounting for 32.93%, 23.18%, and 17.71% respectively[45]. Investment Performance - Total investment income for the first half of 2023 was RMB 4.433 billion, down 21.24% from RMB 5.628 billion in the previous year[59]. - The company’s total assets as of June 30, 2023, were RMB 301.188 billion, representing a 7.08% increase from RMB 281.267 billion at the end of 2022[60]. - The company’s investment assets as of June 30, 2023, were RMB 268.677 billion, a 7.42% increase from RMB 250.129 billion at the end of 2022[77]. - The proportion of available-for-sale financial assets increased to 45.23%, up by 0.11 percentage points compared to the end of the previous year[116]. - The annualized net investment return rate decreased to 3.03%, down by 1.51 percentage points from 4.54% in the same period last year[117]. Risk Management - The company has established a comprehensive investment risk control mechanism, ensuring that investment decisions are made within regulatory compliance[94]. - The company implemented a "3+4+3" risk control system to enhance risk management throughout the policy lifecycle[126]. - The company maintains a manageable credit risk, with bank deposits rated AA+ and above, and most held bonds rated AA and above[156]. - Liquidity risk is low, with cash and cash equivalents sufficient to meet obligations, and liquidity coverage ratios meeting regulatory thresholds under both base and stress scenarios[158]. - Insurance risk management mechanisms are in place, including regular product analysis and reserve assessments to ensure actuarial evaluations are reasonable[155]. Corporate Governance and Compliance - The company plans not to distribute cash dividends or issue bonus shares for the semi-annual period[160]. - The annual shareholders' meeting had a participation rate of 67.32% on May 19, 2023[177]. - The company has no significant environmental violations or penalties reported during the period[180]. - The company has no non-operating fund occupation by major shareholders or related parties during the reporting period[169]. - The board of directors has confirmed that there are no restatements of previous financial data required[194]. Future Outlook and Strategic Initiatives - The company has provided a positive outlook for the second half of 2023, projecting a revenue growth of 25%[197]. - New product launches are expected to contribute an additional $100 million in revenue by the end of 2023[197]. - The company is expanding its market presence in Southeast Asia, targeting a 10% market share by 2025[197]. - Research and development investments have increased by 30%, focusing on innovative technologies to enhance product offerings[197]. - The company is exploring potential acquisitions to strengthen its market position, with a budget of $200 million allocated for this purpose[197].

天茂实业集团股份有限公司董事会 2023 年 8 月 11 日 证券代码：000627 证券简称：天茂集团 公告编号：2023-027 天茂实业集团股份有限公司 关于国华人寿保险股份有限公司保费收入的自愿性信息披露公告 本公司及董事会全体成员保证信息披露的内容真实、准确、完整，没有虚假记载、误导性陈述 或重大遗漏。 天茂实业集团股份有限公司控股子公司国华人寿保险股份有限公司按照"坚定转型发展、 突出价值成长、全面提升能力、迈向成熟险企"的总体思路推进业务发展，在保障全年保费 收入与 2022 年保持基本稳定的同时，根据市场情况，适时调整业务节奏和结构，大力推进长 期价值和风险保障型业务发展，2023 年 1 月 1 日至 2023 年 7 月 31 日期间累计原保险保费收 入约为人民币 3,064,948.84 万元。上述原保险保费收入数据未经审计，提请投资者注意。 特此公告。 1 ...

证券代码：000627 证券简称：天茂集团 天茂实业集团股份有限公司 2022 年度业绩说明会投资者关系活动记录表 编号：2023-投-001 | | □特定对象调研 分析师会议 | | --- | --- | | 投资者关系活动 | □媒体采访  业绩说明会 | | 类别 | □新闻发布会 □路演活动 | | | □现场参观 | | | □其他（请文字说明其他活动内容） | | 参与单位名称及 | 天茂集团 2022 年度业绩说明会通过全景网"投资者关系互动平台" | | 人员姓名 | | | | （https://ir.p5w.net）以线上方式举行，面向全体投资者 | | | 2023 年 5 月 8 日下午（星期一）15：00-17:00 | | 时间 | | | 地点 | 全景网"投资者关系互动平台"（https://ir.p5w.net） | | | 公司董事长刘益谦先生、总经理周文霞女士、财务总监陈大力先生、独立 | | 上市公司接待人 | | | 员姓名 | 董事姜海华先生、董事会秘书龙飞先生以及国华人寿保险股份有限公司副 | | | 总经理、财务负责人冀爱萍女士。 | | | 投资者关注 ...

Financial Performance - The company's operating revenue for 2022 was ¥49,615,695,080.12, representing a slight increase of 0.07% compared to ¥49,583,190,777.91 in 2021[36]. - Net profit attributable to shareholders for 2022 was ¥274,051,117.04, a decrease of 41.78% from ¥470,713,660.35 in 2021[36]. - The net profit after deducting non-recurring gains and losses was ¥255,943,705.42, down 42.95% from ¥448,641,556.40 in the previous year[36]. - Basic and diluted earnings per share both decreased by 40.00% to ¥0.06 from ¥0.10 in 2021[36]. - The company's operating costs for 2022 amounted to 49,370.10 million, representing a 0.34% increase compared to 2021[150]. - The net profit attributable to the parent company was 274,051,117.04, down by 196,662,543.31 or 41.78% year-over-year, influenced by business structure optimization and capital market volatility[160]. Cash Flow - The cash flow from operating activities increased by 80.32% to ¥7,524,197,273.04, compared to ¥4,172,608,401.49 in 2021[36]. - The net cash flow from operating activities was 7,524,197,273.04, an increase of 80.32% compared to the previous year, reflecting improved cash receipts from reinsurance business[170]. - The cash flow from operating activities decreased by 4.14% in 2022, while cash flow from financing activities increased by 54.28%[156]. - The total cash inflow from financing activities was 12,459,035,000.00, a rise of 54.28% year-over-year, indicating increased capital raising efforts[170]. - The total cash outflow from financing activities was 1,381,212,616.54, which increased by 203.48% compared to the previous year, reflecting higher financing costs[170]. Assets and Liabilities - The total assets at the end of 2022 were ¥288,598,690,187.29, an increase of 9.36% from ¥263,903,965,776.01 at the end of 2021[36]. - The net assets attributable to shareholders decreased by 5.06% to ¥21,411,955,513.57 from ¥22,553,333,829.41 in 2021[36]. - The company's total assets reached 281.267 billion RMB by December 31, 2022, an increase of 13.114 billion RMB (4.9%) compared to the end of 2021[90]. - The company's investment assets increased by 9.74% to 250.129 billion RMB by December 31, 2022, driven by increased operating income and net premium inflow[91]. - The asset-liability ratio increased to 90.47% in 2022 from 88.21% in 2021[136]. Insurance Business - Insurance business revenue for 2022 was RMB 37,819.75 million, a decrease of 0.83% from RMB 38,136.19 million in 2021[53]. - Earned premium increased by 1.03% to RMB 37,767.59 million, compared to RMB 37,383.85 million in the previous year[53]. - Net profit dropped significantly by 42.96% to RMB 484.16 million from RMB 848.77 million in 2021[53]. - The company achieved a renewal premium of nearly RMB 16 billion, accounting for over 40% of total premiums[54]. - The company maintained a 13-month continuation rate of 93.47%, an increase of 1.03% from 92.44% in 2021[53]. - In 2022, the insurance business revenue accounted for 99.99% of the company's main business income, highlighting its core business focus[75]. - The company's life insurance premium income was 36.548 billion RMB in 2022, a decrease of 0.99% from 2021[80]. - The health insurance premium income was 896.13 million RMB, down 2.68% year-on-year[80]. Investment Performance - The investment income decreased by 5.62% to RMB 10,703.97 million, down from RMB 11,341.05 million in 2021[53]. - The company reported a total investment income of 10.704 billion yuan, a decrease of 5.62% year-on-year, with an annualized net investment return rate of 4.04%, down 0.67 percentage points from the previous year[95][118]. - The fair value change loss was -431,840,347.67, a significant decline of 412,813,243.21 or 2169.61% year-over-year, attributed to changes in investment properties and trading financial assets[160]. - Exchange gains amounted to 72,016,331.54, an increase of 87,217,271.97 or 573.76% compared to the previous year, driven by foreign currency fund exchange rate fluctuations[160]. Risk Management - The company has outlined potential risks and countermeasures in its future development outlook section of the management discussion[23]. - The company implemented a "3+4+3" risk control system, covering over 20 provinces and cities, enhancing its risk management capabilities[74]. Governance and Strategy - The company plans to enhance its governance structure and management stability, having introduced state-owned shareholders to optimize its governance[47]. - The company is focusing on value business growth and transitioning towards a mature insurance enterprise[70]. - The company is actively expanding its health and elderly care industry, with projects underway in Shanghai and other major cities[55]. - The company emphasizes optimizing customer service and enhancing service capabilities, achieving breakthroughs in various areas in 2022[50].

证券代码：000627 证券简称：天茂集团 公告编号：2023-013 天茂实业集团股份有限公司 关于召开 2022 年度业绩说明会并征集投资者问题的公告 为充分尊重投资者、提升交流的针对性，现就公司 2022 年度业绩说明会提前向投资者公 开征集问题，广泛听取投资者的意见和建议。投资者可于 2023 年 5 月 5 日（星期五）17:00 前访问 https://ir.p5w.net/zj/，或扫描下方二维码，进入问题征集专题页面，或将所关注 问题发送至公司投资者关系邮箱：tmjt@tianmaogroup.net。公司将在 2022 年度业绩说明会 上，对投资者普遍关注的问题进行回答。 欢迎广大投资者积极参与本次网上说明会。 特此公告。 天茂实业集团股份有限公司董事会 2023 年 4 月 21 日 本公司及董事会全体成员保证公告内容的真实、准确和完整，没有虚假记载、误 导性陈述或者重大遗漏。 天茂实业集团股份有限公司定于 2023 年 5 月 8 日（星期一）下午 15:00-17:00 在全景 网举办 2022 年度业绩说明会，本次年度业绩说明会将采用网络远程的方式举行，投资者可 登陆全景网"投资者关 ...

证券代码：000627 证券简称：天茂集团 天茂实业集团股份有限公司投资者关系活动记录表 编号：【2016】第 002 号 | --- | --- | --- | |--------------|------------------------------|----------------------------------------------------------| | | | | | 投资者关系活 | √ 特定对象调研 | □分析师会议 | | 动类别 | □媒体采访 | □业绩说明会 | | | □ 新闻发布会 | □路演活动 | | | □现场参观 | | | | □ 其他 | （请文字说明其他活动内容） | | 参与单位名称 | 东北证券非银行金融行业分析师 | 张经纬 | | 及人员姓名 | | | | 时间 | 2016 年 3 月 16 | 日 | | 地点 | 公司会议室 | | | 上市公司接待 | 董事会秘书 龙飞 | | | 人员姓名 | | | | 投资者关系活 | 调研期间谈论的主要内容： | | | 动主要内容介 | 1 | 、国华人寿在互联网保险这块发展情况 | | | ...

证券代码：000627 证券简称：天茂集团 天茂实业集团股份有限公司投资者关系活动记录表 编号：【2016】第 001 号 | --- | --- | --- | |--------------|--------------------------|---------------------------------------------------| | | | | | 投资者关系活 | √ 特定对象调研 | □分析师会议 | | 动类别 | □媒体采访 | □业绩说明会 | | | □ 新闻发布会 | □路演活动 | | | □现场参观 | | | | □ 其他 | （请文字说明其他活动内容） | | 参与单位名称 | 华泰证券非银行金融研究员 | 左欣然 | | 及人员姓名 | 长江证券金融高级分析师 | 周晶晶 | | 时间 | 2016 年 1 月 14 | 日 | | 地点 | 公司会议室 | | | 上市公司接待 | 董事会秘书 龙飞 | | | 人员姓名 | | | | 投资者关系活 | 调研期间谈论的主要内容： | | | 动主要内容介 | 1 | 、简单介绍下国华人寿保险股份有限公司的竞争 ...