富泽人寿拿下保险许可证！君康人寿或迎终局，保险业“排雷”加速

Core Viewpoint - The establishment of Fuzhou Life Insurance Co., Ltd. is significant in the context of tightened insurance license approvals, and it is expected to play a role in the risk disposal of Jun Kang Life Insurance, a company with a troubled history [1][4]. Group 1: Company Overview - Fuzhou Life Insurance received its insurance license on November 7, 2023, from the Shandong Regulatory Bureau of the Financial Regulatory Administration, with its registered capital set at 17 billion yuan [3]. - The company is based in Jinan, Shandong Province, and its business scope includes various types of life insurance, health insurance, and accident insurance, along with reinsurance and other approved insurance fund utilization activities [3][4]. Group 2: Shareholder Structure - The shareholder structure of Fuzhou Life Insurance includes Jinan Jintou Holding Group Co., Ltd. (49.7059%), China Insurance Security Fund Co., Ltd. (35.2941%), China Life Asset Management Co., Ltd. (11.4706%), and Jinan Zhengjintongda Investment Group Co., Ltd. (3.5294%) [3]. - This structure reflects a combination of local state-owned assets, industry security funds, and large insurance enterprises, indicating a strategic approach to risk disposal similar to previous cases in the industry [4]. Group 3: Risk Disposal Context - Fuzhou Life Insurance's establishment is closely linked to the risk disposal of Jun Kang Life Insurance, which has faced significant challenges over its 19-year history, including governance issues and financial losses [6][8]. - The involvement of local state-owned assets and the insurance security fund is expected to provide both local resources and professional credibility in managing the risks associated with Jun Kang Life Insurance [5][9]. Group 4: Industry Insights - The insurance industry has seen numerous risk disposal cases in recent years, highlighting the importance of risk prevention over mere disposal [9]. - Experts emphasize the need for improved corporate governance and regulatory oversight to prevent risks from accumulating to critical levels, which has become a priority for financial regulatory authorities [9][10].