去年被罚超五百万元、涉诉金额过亿元！永安财险合规症结何在

Core Viewpoint - The appointment of Wang Hao as the Chief Actuary of Yong'an Property Insurance Co., Ltd. is seen as a significant step towards improving corporate governance and risk management amidst ongoing legal and regulatory challenges faced by the company [2][10]. Regulatory Issues - In 2025, Yong'an Insurance received a total of 26 fines amounting to over 5 million yuan, with penalties issued across multiple provinces including Henan, Shandong, and Guangdong [2][4]. - Specific fines included 650,000 yuan for the Guangzhou branch due to false financial data and improper benefits to policyholders, and 630,000 yuan for the Zhengzhou branch for providing false reports [3][4]. - Common violations included "false financial data," "fictitious expenses," and "misappropriation of funds," indicating significant governance and compliance issues within the company [4]. Legal Challenges - Yong'an Insurance is facing two major lawsuits with potential liabilities exceeding 100 million yuan, stemming from disputes over credit guarantee insurance contracts with partners [5][6]. - The lawsuits involve claims from Chongqing Ma Shang Consumer Finance and Ningbo Bank, with the court ruling in favor of the partners, indicating that Yong'an may be liable for service fees regardless of insurance payout obligations [6]. Management Changes - The company has undergone significant management changes, including the appointment of a new general manager in February 2025, ending a six-year vacancy in the position [7][8]. - The restructuring of the management team is part of a broader effort to address compliance and governance shortcomings that have persisted due to a prolonged power struggle among shareholders [7][9]. Financial Performance - Despite the regulatory and legal challenges, Yong'an Insurance reported a premium income of 8.054 billion yuan in the first three quarters of 2025, a year-on-year increase of 1.12%, and a net profit of 833 million yuan, representing a 144% increase [9]. - The company's solvency ratios are robust, with core solvency adequacy ratio at 339.68% and comprehensive solvency adequacy ratio at 347.52%, indicating a stable financial position [9].