18.52亿元！横琴人寿再谋增资，新增两家国资股东

Core Viewpoint - Insurance companies are actively increasing their capital as the year-end approaches, with Hengqin Life Insurance Co., Ltd. announcing an increase in registered capital by 1.852 billion yuan [1][4]. Group 1: Capital Increase Details - Hengqin Life's capital increase amounts to 2 billion yuan, with existing shareholders Zhuhai Huachuang Investment Management Co., Ltd. and Hengtong Group Co., Ltd., along with new shareholders Hengqin Shenhe Investment Co., Ltd. and Hengqin Financial Investment Group Co., Ltd. participating [6]. - After the capital increase, Hengqin Life's registered capital will rise from 3.137 billion yuan to 4.989 billion yuan, pending approval from the Guangdong Financial Regulatory Bureau [6][7]. - The ownership structure will change, with Zhuhai Huachuang maintaining a 49% stake, Hengtong Group increasing its stake from 12.75% to 13.59%, and the three other shareholders' stakes diluted to 8.02% each [7]. Group 2: Financial Performance - Hengqin Life has experienced rapid growth in premium income, with figures rising from 0.863 billion yuan in 2017 to 8.52 billion yuan in 2023, although a slight decline to 8.229 billion yuan is expected in 2024 [10]. - The company faced losses in its early years but turned profitable in 2020, achieving a net profit of 0.059 billion yuan, although it returned to losses in 2022 with a net loss of 0.179 billion yuan [10][11]. - For the first three quarters of 2025, Hengqin Life reported insurance business income of 5.673 billion yuan, a year-on-year decrease of 22.83%, and a net loss of 0.326 billion yuan, though the loss narrowed by 13.29% compared to the previous year [11]. Group 3: Future Outlook and Strategies - Hengqin Life plans to issue up to 1.1 billion yuan in capital supplement bonds to improve its capital adequacy and support sustainable business development [11]. - Industry experts suggest that insurance companies should focus on high-quality development rather than merely scaling up, emphasizing the need for optimized business structures, improved operational efficiency, and effective asset-liability management [12].