5家险企偿付能力不达标 风险综合评级是对保险公司偿付能力的综合风险评价，综合考虑了保险公司的各类风险，如市场风险、 信用风险和操作风险等，以评估保险公司整体风险状况。风险综合评级被分为A、B、C、D四个级别， 又细分为AAA、AA、A、BBB、BB、B、C、D八个级别，其中AAA类最高、D类最差。 新华保险 中国人寿 中国平安 新华保险 中国人寿 分时图 日K线 周K线 月K线 68.20 1.20 1.79% 2.78% 1.85% 0.93% 0.00% 0.93% 1.85% 2.78% 65.14 65.76 66.38 67.00 67.62 68.24 68.86 09:30 10:30 11:30/13:00 14:00 15:00 0 36万 73万 109万 根据金融监管总局发布的最新数据，截至2025年三季度末，保险业综合偿付能力充足率为186.3%，核 心偿付能力充足率为134.3%。其中，财产险公司、人身险公司、再保险公司的综合偿付能力充足率分 别为240.8%、175.5%、246.2%，核心偿付能力充足率分别为212.9%、118.9%、216.7%。整体来看，保 险业偿付能力充足 ...

Core Viewpoint - The 20% equity stake of Qianhai United Property Insurance Co., Ltd. will be auctioned on July 21, with an assessed value of 44 million yuan and a starting price of 30.8 million yuan, reflecting a 30% discount due to the financial difficulties of its parent company, Baoneng Group [2][4]. Group 1: Company Background - Qianhai United Property Insurance was established in 2016 by Baoneng Group and four other companies, each holding a 20% stake, with Baoneng's controlling person, Yao Zhenhua, serving as chairman [4]. - The company has faced significant challenges, including a debt crisis at Baoneng Group, leading to multiple rounds of asset freezes, including the 20% stake in Qianhai United [4][5]. Group 2: Management Instability - The management of Qianhai United has been unstable, with the recent resignation of General Manager Li Gongni and the appointment of Huo Jianmei as the interim head [3][9]. - The company has experienced a series of leadership changes since its inception, with several chairpersons resigning or being removed due to various issues [8][11]. Group 3: Financial Performance - Qianhai United has faced declining performance, with a continuous C-level risk rating for 12 consecutive quarters and a solvency ratio approaching regulatory limits [12]. - The company reported a net loss of 104 million yuan in 2024, with total insurance premium income declining from 22.66 billion yuan in 2019 to 15.25 billion yuan in 2024 [12][14]. Group 4: Shareholder Issues - The current shareholders of Qianhai United include five entities, with most of their shares under freeze, complicating potential capital increases [14]. - The auction of the 20% stake adds further uncertainty to the company's future development [15].