南方财经全媒体记者 孙诗卉 实习生 关晶月 上海报道 近期，随着各家寿险公司陆续披露2024年第四季度偿付能力报告（四季度披露的为上一季度的风险综合 评级），各大险企2024三季度的风险综合评级（IRR）分类监管评估结果也已浮出水面，行业整体风险 抵御能力与分化态势再度引发关注。 在目前已披露风险综合评级情况的74家寿险公司中，有30家公司被评为A类，有40家公司被评为B类， 值得注意的是，除去未公布风险评级等级的弘康人寿外，还有3家公司风险综合评级为C类，被列入偿 付能力不达标的险企当中，分别为北大方正人寿、三峡人寿以及华汇人寿。 对外经贸大学创新与风险管理研究中心副主任龙格对21世纪经济报道记者表示，截至2024年末，保险业 偿付能力整体呈现稳中有进态势，但中小险企仍面临结构性分化。 | 2024年第四季度风险综合评级(IRR)分类监管评估结果 | | | --- | --- | | A类公司 | | | AAA级(8家) 老、太保健康 | 友邦人寿、中荷人寿、恒安标准、工银安盛、中国人寿、太平养老、国民养 | | AA级(15家) | 中美联泰、泰康人寿、太平人寿、安联人寿、中英人寿、中银三星、中宏人 ...

Core Viewpoint - The appointment of Chen Shaofeng as the new general manager of Bohai Property Insurance marks a significant leadership change aimed at revitalizing the company, which has faced challenges in its risk ratings and operational capabilities [1][3]. Group 1: Management Changes - Chen Shaofeng has been appointed as the general manager of Bohai Property Insurance, with his qualifications approved by the Tianjin Financial Regulatory Bureau [1]. - Prior to his current role, Chen held various positions at Heng'an Standard Life Insurance, including assistant general manager and chief investment officer [2]. - The chairman position was also adjusted, with Liu Zhenyu approved as the chairman in February 2024 [2]. Group 2: Financial Performance and Risk Management - Bohai Property Insurance's risk rating improved from C to B in the second quarter of the previous year, after being rated C for 14 consecutive quarters [3]. - The company reported an insurance business revenue of 4.04 billion yuan in the previous year, a year-on-year increase of 13.8%, and a net profit of 49.56 million yuan, up 4.7% [3]. - As of the end of the fourth quarter of 2024, the core solvency adequacy ratio was 97.46%, and the comprehensive solvency adequacy ratio was 162.08%, meeting regulatory requirements [3]. Group 3: Challenges and Strategic Initiatives - Despite meeting solvency requirements, Bohai Property Insurance has suspended its internet insurance business due to regulatory compliance issues [4]. - The company had previously initiated a capital increase plan to raise up to 2.1 billion yuan, aimed at enhancing solvency and supporting investment and non-auto insurance development, but there has been no substantial progress [4]. - The company aims to strengthen its core capabilities, improve capital management, enhance investment team strength, and focus on customer-centric development strategies to identify new growth points [4].