“0寿险经验”新帅执掌万亿险企，太平人寿在下一盘什么棋？

Core Viewpoint - The appointment of Zhao Feng as the new general manager of Taiping Life Insurance is seen as a strategic move towards accelerating the company's digital transformation in the insurance sector, rather than relying on traditional life insurance experience [2][12]. Group 1: Leadership Transition - Zhao Feng, who has a background in technology and IT, replaces Cheng Yonghong, a veteran in the life insurance industry, raising questions about his ability to manage a life insurance company with over one trillion yuan in assets without prior experience in the sector [3][6]. - The industry is witnessing a shift from traditional marketing-driven leadership to a focus on actuarial and financial expertise, reflecting the need for cost reduction and efficiency in a challenging market environment [2][12]. Group 2: Digital Transformation - Zhao Feng's previous experience in technology positions him as a potential catalyst for Taiping Life's digital transformation, aligning with the industry's trend towards digitalization and data-driven decision-making [5][13]. - Under Zhao's leadership, Taiping Life aims to enhance its digital customer service framework and leverage technology tools for marketing, such as the "Product Tong" intelligent voice assistant and other digital solutions [14]. Group 3: Industry Context - The life insurance industry is facing challenges such as a shrinking agent workforce and low interest rates, necessitating new strategies for growth and efficiency [14]. - Taiping Life has already initiated a transition from a "scale-driven" model to a "capacity-driven" approach, focusing on generating more premium income with fewer agents through precise marketing strategies [14]. Group 4: Performance Metrics - In January 2025, Taiping Life's individual insurance achieved 6.89 billion yuan in premium income, with dividend insurance accounting for 6.48 billion yuan, indicating strong performance compared to peers [17]. - Despite a reduction in agent numbers from 513,000 to 385,700 since 2019, Taiping Life has maintained a stable agent workforce, which is crucial for Zhao Feng as he seeks to integrate technology into the sales force [19]. Group 5: Future Challenges - The company faces the challenge of improving agent productivity and new business value, as the current performance metrics do not reflect the potential of its agent workforce [20]. - The strategic decisions made by Zhao Feng will be critical in determining whether Taiping Life can continue to grow in a competitive landscape dominated by both traditional giants and emerging foreign players [21].