中国太保: 中国太保：太平洋健康保险股份有限公司偿付能力季度报告摘要节录

Core Viewpoint - The report outlines the financial health and operational status of Pacific Health Insurance Co., Ltd., highlighting its solvency, liquidity, and risk management capabilities. Company Overview - Pacific Health Insurance Co., Ltd. was established in December 2014 with a registered capital of 3.6 billion RMB and operates in health and accident insurance across several provinces in China [1]. - The company is wholly owned by China Pacific Insurance (Group) Co., Ltd. [2]. Board and Management - The board of directors has approved the report, ensuring the accuracy and completeness of the information provided [1]. - Key management personnel include Chairman Ma Xin and other experienced executives with backgrounds in finance and insurance [2][3][4][5]. Financial Indicators - As of the end of the reporting period, the company reported total assets of 1,025,746.65 million RMB and net assets of 331,106.76 million RMB [13]. - The insurance business income for the quarter was 215,023.39 million RMB, with a net profit of 2,062.00 million RMB [13]. - The solvency margin was reported at 161,263.96 million RMB, with a core solvency ratio of 179% and a comprehensive solvency ratio of 218% [19]. Risk Management - The company has established a risk limit system covering various risks, including insurance, investment, and operational management [14]. - The latest SARMRA regulatory assessment scored 80.15, indicating a strong risk management framework [15]. - No significant risk events occurred during the reporting period, and the company maintained a high level of liquidity [17]. Liquidity Analysis - The actual net cash flow for the quarter was 19,627.84 million RMB, significantly exceeding the forecast [19]. - The liquidity coverage ratios under various scenarios met regulatory requirements, indicating robust liquidity management [20]. Investment Performance - The average investment return over the past three years was 3.33%, with an average comprehensive investment return of 3.58% [14]. Conclusion - Overall, Pacific Health Insurance Co., Ltd. demonstrates strong financial health, effective risk management, and solid liquidity, positioning itself well for future growth and stability in the insurance market [19][20].