【导读】三家险企接罚单，华夏人寿被吊销业务许可证 中国基金报记者晨曦 临近周末，多份险企罚单落地！ 8月1日，国家金融监督管理总局更新行政处罚信息公示列表。其中显示，华夏人寿被吊销业务许可证，多名相关责任人被警告、罚款、撤销任职资格、禁 业1年、3年、5年、8年乃至终身。 此外，大地财险及其江西分公司分别被罚款473万元、20万元，国元农业保险被罚款340万元。同时，多名相关责任人被警告并罚款。 华夏人寿被吊销业务许可证 多名责任人被罚 金融监管总局的行政处罚信息公示列表显示，华夏人寿保险股份有限公司（以下简称华夏人寿）被吊销业务许可证。 华夏人寿的主要违法违规行为有：报送的报告中存在虚假记载和重大遗漏、客户信息不真实、产品宣传材料不合规、虚假列支费用、违规大幅虚增偿付能 力、违规运用资金造成重大损失等。 同时，金融监管总局对李飞、赵子良等23人警告并罚款共计232万元；对李飞、赵子良等12人撤销任职资格；对李飞、彭晓东终身禁止进入保险业，对赵 子良、洪军禁止进入保险业10年，对张峰、王国强等6人禁业1年至8年不等。 据悉，此次被终身禁入保险业的李飞曾为华夏人寿董事长，彭晓东曾为董事会秘书；被禁业10年的赵子 ...

Core Viewpoint - The focus in the property insurance industry has shifted from rapid growth to stable fundamentals for small and medium-sized insurance companies, amid increasing regulatory scrutiny and market differentiation [2] Group 1: Regulatory Environment and Challenges - Regulatory standards for insurance companies have become more stringent, requiring core solvency adequacy ratios of at least 50% and comprehensive solvency adequacy ratios of at least 100% to be considered compliant [4] - Hua'an Property Insurance has faced challenges in risk management, with its risk comprehensive rating remaining at C for 12 consecutive quarters, indicating significant risks in capitalizable risks, reputation risks, and operational risks [4][10] Group 2: Financial Performance - In 2024, Hua'an Property Insurance reported operating revenue of 16.47 billion yuan, a decline from 17.78 billion yuan in 2023, indicating a contraction in its main business scale [5][7] - The company achieved a net profit of 105 million yuan in 2024, a turnaround from previous losses, primarily due to significant reductions in operating expenses [8][10] - Investment income increased to 481 million yuan in 2024 from 238 million yuan in 2023, benefiting from a recovering capital market [8] Group 3: Compliance and Internal Control Issues - Hua'an Property Insurance has faced over 2 million yuan in regulatory fines in 2024 due to compliance issues, including the use of unapproved insurance rates and inaccurate financial data [15][17] - Multiple branches of the company have been penalized for various compliance failures, indicating significant challenges in internal control and compliance management [11][14] Group 4: Management and Governance Challenges - The company has experienced frequent changes in its management structure, with the chairman position remaining vacant for six years, which may hinder strategic execution and governance [18][25] - The instability in the executive team, including the departure of the president in 2024, poses risks to effective decision-making and operational stability [21][24]

Core Viewpoint - The article discusses the recent administrative penalties imposed on Tianan Insurance and Tianan Life Insurance due to serious violations, including false corporate governance and improper benefit transfers to related parties [2][4][5]. Group 1: Administrative Penalties - The Financial Regulatory Bureau announced the revocation of business licenses for Tianan Insurance and Tianan Life Insurance, along with penalties for multiple responsible individuals [2][6]. - Tianan Insurance's violations include discrepancies in governance reports, unauthorized personnel assuming roles, and improper benefit transfers through various financial instruments [4][5]. - Tianan Life Insurance faced similar issues, including false governance reports and unauthorized use of investment assets for guarantees or loans [4][5]. Group 2: Individual Penalties - A total of 16 individuals from Tianan Insurance were penalized, with fines totaling 2.53 million yuan, and several faced lifetime bans from the insurance industry [7]. - Tianan Life Insurance had 19 individuals penalized, with fines totaling 990,000 yuan, and some received lifetime bans as well [8]. Group 3: Risk Mitigation Progress - Tianan Insurance's business will be taken over by Sheneng Property Insurance, which is set to establish operations in May 2024 with a registered capital of 10 billion yuan [9]. - Tianan Life Insurance's liabilities and assets will be assumed by Zhonghui Life Insurance, which was established in June 2023 with a registered capital of 33.2 billion yuan [10].