前海人寿停售31款产品，实控人姚振华“禁业”倒计时一年

Core Viewpoint - The video released by Yao Zhenhua, chairman of Baoneng Group and actual controller of Qoros Auto, has sparked discussions regarding alleged illegal operations in the execution case of Qoros Auto, which may lead to the undervalued auction of the company's assets [2] Group 1: Company Overview - Qianhai Life Insurance was established in 2012, with Shenzhen Jushenghua Co., Ltd. as the controlling shareholder and Yao Zhenhua as the actual controller [3] - The insurance company achieved remarkable milestones, including a scale premium of 10 billion in its first year and profitability in its second year [4] Group 2: Recent Challenges - Following the "Baowan dispute," Baoneng Group faced a debt crisis, and Qianhai Life was penalized for inadequate rectification, leading to Yao Zhenhua's disqualification from the insurance industry for ten years [5] - Yao Zhenhua's ban will expire in one year [6] Group 3: Management Changes - After Yao Zhenhua stepped down as chairman, Zhang Jinsun took over but resigned in March 2021 for personal reasons, leading to Shen Chengfang serving as acting chairman [8] - The positions of chairman and general manager at Qianhai Life remain vacant [9] Group 4: Financial Performance - Qianhai Life has not updated its annual information report for over three years, with the last solvency report available from Q1 2022, showing a loss of 2.323 billion, a 78.53% decline in premium income, and a total asset of 363.697 billion [11] - The core solvency adequacy ratio is only 66.39%, with a risk comprehensive rating of C [11] Group 5: Investment and Workforce - Qianhai Life has invested in 114 companies across various sectors, including real estate and finance, with 38 companies in a state of cancellation [13] - The number of insured employees has been gradually decreasing, with 822 in 2022, 820 in 2023, and 798 projected for 2024 [13] Group 6: Operational Status - In 2025, Qianhai Life discontinued 31 products, including 22 insurance products in August, citing "based on the company's actual business situation" as the reason [15] - Despite challenges, Qianhai Life continues operations and engaged in a study activity in September 2025 [15]