和谐健康保险总精算师落定，精算老将刘建勋出山

Core Viewpoint - Liu Jianxun has been appointed as the Chief Actuary of Harmony Health Insurance, marking a strategic move towards stability after a period of governance turmoil [2][3][4] Group 1: Appointment Details - Liu Jianxun, a seasoned industry veteran in his sixties with North American actuarial qualifications, has returned from retirement to take on this role [3][4] - The Chief Actuary position has been vacant for nearly two years, with the previous holder, Xu Qiang, leaving in January 2024 [3][9] - The frequent changes in the Chief Actuary position reflect broader instability within Harmony Health's executive team, with other key positions also held temporarily [9] Group 2: Background of Liu Jianxun - Liu Jianxun was born in June 1965 and holds dual master's degrees from Nankai University and the University of Waterloo in Canada [4][9] - His career spans both domestic and international insurance markets, having worked for notable institutions such as Canada Life, New York Life, AXA, and Munich Re [4][9] - After returning to China, he served as Chief Actuary for several companies, including China Post Life and Guolian Life, and held dual roles for over a decade at Guolian Life [4][9] Group 3: Challenges Facing Harmony Health - Harmony Health is currently facing multiple crises, stemming from its rapid expansion after being acquired by Anbang Insurance in December 2009 [4][10] - The company previously relied on high-premium products like "Harmonious Anwin No. 1 Nursing Insurance," which generated over 100 billion yuan in premiums but posed significant interest rate risk due to a guaranteed minimum interest rate of 3.5% [10] - In 2023, the company reported original insurance premium income of 46.05 billion yuan, with claims amounting to only 722 million yuan, indicating a severe imbalance in its business structure [10] - Liu Jianxun's primary task will be to assess and manage the risks associated with high-cost policies while redesigning products to align with regulatory requirements [10]