三峡人寿增资15亿元获批 偿付能力充足率下滑

Capital Increase - The Chongqing Financial Regulatory Bureau approved an increase in the registered capital of Three Gorges Life Insurance by 1.495 billion yuan, raising the total registered capital from 1.527 billion yuan to 3.033 billion yuan [2] Management Changes - On June 20, the Chongqing Financial Regulatory Bureau approved the appointments of Wang Kai and Yang Hao as vice general managers of Three Gorges Life Insurance [4] - Wang Kai has been serving as vice chairman since April 2022 and will become a member of the Party Committee in March 2024 [4] - Yang Hao previously attended a seminar as a member of the Party Committee and Secretary of the Discipline Inspection Commission in late 2024 [4] Leadership Vacancies - The positions of vice general manager have been vacant for several years following the departures of previous executives, and the general manager position has been unfilled since the resignation of An Yimin in 2018 [5] - In September 2024, the Chongqing Regulatory Bureau approved Zhang Jun's qualifications as a director and chairman of Three Gorges Life Insurance, filling the chairman position after a three-year vacancy [5] Financial Performance - In 2024, Three Gorges Life Insurance reported insurance business revenue of 333 million yuan, a year-on-year decline of 18.05%, with losses widening from 197 million yuan in 2023 to 252 million yuan [5] - In the first quarter of 2025, the company generated insurance business revenue of 204 million yuan, with a net loss of 37 million yuan [5] Solvency Ratios - As of the end of the first quarter of 2025, the core solvency adequacy ratio and comprehensive solvency adequacy ratio of Three Gorges Life Insurance were 130.93% and 156.66%, respectively, down by 14.75 percentage points and 11.46 percentage points from the previous quarter [5] Risk Ratings - The risk comprehensive rating for Three Gorges Life Insurance was "C" in the third quarter of 2024 and improved to "B" in the fourth quarter of 2024 [5] Additional Capital Increase Plans - In March 2025, Three Gorges Life Insurance announced plans to increase its registered capital by nearly 1 billion yuan, with new state-owned shareholders joining the company [6] - The planned capital increase of 1.5 billion yuan will be funded by several entities, including 500 million yuan from Chongqing Yufu Capital Operation Group and 460 million yuan from Chongqing Expressway [6] Regulatory Penalties - In March 2025, Three Gorges Life Insurance was fined 900,000 yuan for "preparing false reports and financial materials, and disorganized corporate governance" [6] - The Chongqing branch was fined 250,000 yuan for similar violations, and six responsible individuals received warnings and fines totaling 250,000 yuan [6] - The company's board secretary, Liu Zaihui, faced two warnings and a fine of 200,000 yuan for violations related to false reporting and governance issues [6]