来源：机构之家 2025年12月3日，经国家金融监督管理总局上海监管局批复，郑洲正式出任陆家嘴国泰人寿保险有限责任公司（以下简称"国泰人寿"）副总经理。这标志 着这位拥有超过二十年寿险经验的老将，在离开参与筹建的长生人寿约两年后，于新平台重获副总身份。 来源：监管公告 曾是长生人寿主要筹建负责人，任职超20年 公开履历显示，1973年出生的郑洲，学术背景兼具技术与管理双重底色：1996年毕业于上海交通大学材料科学系，拿下金属材料、管理工程双学士学 位，2002年再获该校工商管理硕士学位，更手握注册会计师、法律职业资格双证，专业背景涉及多维度。 2003年3月，郑洲以主要筹建负责人身份参与长生人寿（原广电日生人寿）创设，之后在这家寿险公司历任副总经理、财务负责人、合规负责人、审计责 任人、首席风险官、首席投资官、法律责任人等核心岗位。2018年晋升高管序列后，他在该岗位履职近5年，于2023年二季度正式离任，告别了这片倾注 近半职业生涯积累的主场。 然而，彼时，长生人寿的经营隐忧已现。这家曾依赖万能险实现保费激增的公司，在监管政策调整后陷入转型阵痛，2013至2024年间仅两个年度微利， 累计亏损超10亿元。郑 ...

Core Viewpoint - The executive team of Hengqin Life Insurance Co., Ltd. is experiencing significant turnover, with multiple core executives leaving the company, leading to concerns about organizational stability and performance amidst ongoing financial losses [1][3][5]. Executive Changes - Hengqin Life's executive team has shrunk from 8 members at the beginning of the year to 5 currently, with several veteran executives departing, including Zhang Lin, who held multiple key positions [3][4]. - Zhang Lin, who joined the company in June 2019, is no longer listed among the executives, highlighting a broader trend of leadership changes within the company [3][4]. - The company is set to hold an important meeting in April 2024, where the first chairman, Lan Yadong, will officially retire, and Qian Zhonghua has been nominated as the new chairman [3][4]. Financial Performance - Hengqin Life reported a net loss of 3.57 billion yuan in the first quarter of 2025, continuing a trend of financial instability with cumulative losses exceeding 15 billion yuan since 2022 [6][7]. - The company has faced fluctuating profits since its inception, with significant losses recorded in 2017 (820 million yuan), 2018 (2.46 billion yuan), 2019 (2.41 billion yuan), and again in 2022 (1.79 billion yuan), 2023 (7.72 billion yuan), and 2024 (5.64 billion yuan) [7]. Strategic Challenges - The company has been heavily reliant on traditional savings-type products, which has limited its ability to diversify into higher-value insurance products such as health and dividend insurance [7][8]. - Industry experts suggest that Hengqin Life needs to optimize its product structure, enhance actuarial and investment management capabilities, and leverage digital transformation to improve operational efficiency and reduce costs [8]. Market Conditions - The insurance industry is facing a downward adjustment in the predetermined interest rates, which could impact the profitability of traditional and dividend insurance products [8]. - The current research value for ordinary life insurance products' predetermined interest rate is 1.99%, down from 2.13%, indicating a trend that may affect sales and profitability in the long term [8].