2025年最后一天，国家金融监督管理总局济宁监管分局发布一纸罚单，中国平安（601318）人寿保险股份有限公司(以下简称"平安人寿")辖下的济宁市邹 城支公司、金乡支公司及其相关责任人因多项违规行为，合计被处以14.2万元的罚款。 根据处罚信息公开表，平安人寿济宁市邹城支公司因"欺骗投保人、承诺给予投保人合同约定外利益"被罚款10万元，两名相关责任人分别被警告并罚款 1.2万元、警告并罚款2万元；平安人寿济宁市金乡支公司因"代理人管理不规范"被警告并罚款0.5万元，相关责任人被警告并罚款0.5万元。 处罚信息显示，平安人寿两家县支公司的违规行为主要集中于销售误导和代理人管理两大典型领域。邹城支公司及其两名管理人员因"欺骗投保人"和"承 诺给予保险合同约定以外的利益"受罚，这类违规违法行为通常表现为夸大保险产品收益、混淆概念、或通过赠送礼品、返现等不当激励方式诱导消费者 购买，严重侵害了消费者的知情权和公平交易权，是监管机构长期重点打击的对象；金乡支公司则因"代理人管理不规范"而被处以警告及罚款，代理人管 理的规范与否直接关系到销售行为的合规性和公司风险的管控水平，管理不规范往往与误导销售相伴相生，为公司违规行 ...

"在中国经济迈向高质量发展、金融强国建设加速推进的背景下，证券公司的竞争已不仅是资本与规模 的比拼，更是战略布局、公司治理与文化'软实力'的综合较量。"日前，华金证券党委书记、总裁燕文 波在接受中国证券报记者专访时表示。 据燕文波介绍，公司积极探索形成"党委全面领导、董事会战略决策、管理层负责经营"的治理格局；公 司党委在文化建设中发挥着"把方向、管大局、保落实"的核心作用，确保文化理念与国家战略、行业导 向同频共振；公司通过将党建工作要求写入公司章程，明确党组织在公司治理结构中的法定地位，实现 了党的领导与公司治理的有机融合。 据他介绍，在"十五五"规划谋篇布局、推进中国式现代化建设的关键窗口期，公司始终牢记"合规、诚 信、专业、稳健"的行业文化要求，坚持以党建为引领，系统推进合规、风险、廉洁、人力、品牌、声 誉等多维度文化体系建设，促使其协同发力、深度融合，将文化优势转化为治理效能和发展动能，打 造"聚焦区域、聚焦产业、特色鲜明、资产优良"的特色券商品牌，为服务国家战略、践行金融使命提供 坚实支撑。 "在实践中，党建工作与企业文化建设深度融合。"燕文波表示，公司将"廉洁从业"作为党建与合规管 理、风险管理 ...

来源：险企观察 百年人寿自成立以来，保费增长严重依赖银保渠道与互联网渠道，而作为寿险公司价值基石的个人代理 渠道却始终孱弱。数据显示，2024年其个险渠道保费收入占比仅为28%，远低于行业52%的平均水平， 与太保寿险超80%的占比更是差距悬殊。个险短板直接导致客户黏性低、续期业务不稳、整体价值率偏 低。引入冯金涛，无疑是希望复制太保寿险成熟的个险模式与经验。 然而，冯金涛面临的挑战远不止业务重塑。他来自以合规文化严谨著称的太保寿险，而百年人寿长期以 来销售误导等问题频发，合规文化薄弱。这位"空降"高管能否在既有体系中站稳脚跟，将合规经营理念 有效植入，仍是未知数。更何况，建设高质量个险渠道需要长期、大量的资源投入，以百年人寿当前的 财务状况，能否支撑这项战略转型，存在巨大疑问。 财务危局：偿付能力承压与巨额亏损 百年人寿的财务状况正亮起红灯。2023年第一季度，其综合偿付能力充足率已降至102.59%，核心偿付 能力充足率仅为64.43%，双双逼近监管100%和50%的警戒线。此后，公司便停止了偿付能力报告的公 开披露。 盈利状况同样急剧恶化。公司在2015年至2021年间累计盈利约29亿元，但2022年净 ...

"金融是国民经济的血脉，是新质生产力的重要组成部分，也是培育和发展新质生产力的重要引擎。"江 海证券有限公司党委书记、董事长赵洪波日前在接受中国证券报记者专访时如是表示。 为学习宣传贯彻党的二十届四中全会精神，中国证券报联合中国证券业协会推出"夯实文化软实力 积极 履责显担当"系列专题报道，旨在通过分享证券公司在加强文化建设以及服务经济、社会、环境和谐发 展方面的典型案例与先进经验，体现证券公司近年来在培育中国特色金融文化、践行行业文化理念、履 行社会责任的积极成效，共同推动证券行业高质量发展。本篇为系列报道第二十八篇。 "十五五"规划建议提出，要加快建设金融强国。赵洪波表示，作为地方券商，江海证券深入贯彻落实党 中央决策部署，立足黑龙江本土券商责任担当，以夯实文化软实力为根基，以做好金融"五篇大文章"为 着力点，全链条服务发展新质生产力，将自身改革发展融入国家战略、服务地方经济，坚定不移走中国 特色金融发展之路，为建设金融强国、推进中国式现代化贡献力量。 践行金融为民 打造有温度的文化品牌 近年来，江海证券以实际行动书写金融为民的温暖篇章。赵洪波介绍，江海证券以"融·党建"品牌铸魂 领航，深入践行中国特色金 ...

Core Viewpoint - The article emphasizes the strategic deployment made by the 20th Central Committee of the Communist Party of China to modernize the national governance system and enhance governance capabilities, providing a solid institutional guarantee for high-quality economic and social development. It highlights Huayuan Securities' significant progress in regulatory ratings, client asset scale, and business restructuring in this context [1]. Group 1: Corporate Culture and Governance - Huayuan Securities' corporate culture is deeply rooted in the leadership of the Communist Party, with a core mission to serve national strategies and integrate into regional economic development [2]. - The company has established a three-tier responsibility system for party building, ensuring that party work and corporate culture are deeply integrated [2]. - The successful relocation to Wuhan in July 2023 showcased the collective honor and cohesion among employees, reflecting the effective implementation of party culture [2]. Group 2: Business Development and Service to the Economy - The effectiveness of party building is ultimately reflected in business development, with various party branches actively supporting local industries, such as the integrated circuit and optical communication sectors [3]. - Huayuan Securities aims to become a recognized digital financial technology securities company by embedding its cultural core of "professionalism, technological empowerment, and value co-creation" into its main business [4]. - Recent achievements include the issuance of the first "technology innovation + support for small and micro enterprises" dual-label bonds in Central China by 2025 and assisting key technology enterprises in accessing capital markets [4]. Group 3: Compliance and Social Responsibility - Compliance is viewed as the foundation and bottom line of Huayuan Securities' cultural construction, with a commitment to integrating compliance awareness into every employee's professional behavior [7]. - The company has invested nearly 100 million yuan to upgrade its core systems and deploy intelligent risk control, transitioning from passive compliance to proactive prevention [7]. - Huayuan Securities is dedicated to social responsibility, implementing a dual-cycle mechanism for "capital empowerment - industry activation" in rural revitalization efforts and enhancing public financial literacy through various educational initiatives [7]. Group 4: Future Outlook - Looking ahead, Huayuan Securities plans to continue embedding its "source" culture, aligning with national strategies, and focusing on regional development in areas like Hubei and Qinghai [8]. - The company aims to build a differentiated competitive advantage in technology innovation, green development, and inclusive finance by integrating "industry research + comprehensive financial" service systems [8]. - Huayuan Securities is committed to advancing its "talent-driven enterprise" strategy and increasing investments in financial technology, promoting the integration of artificial intelligence and big data into its operations [8].

"我们要将党建文化的培育常态化、制度化。"梅林表示，在顶层设计上，公司通过建立全面从严治党任 务清单、基层党建联系点等制度，将文化建设成效纳入考核体系；在思想引领上，常态化开展红色研 学、观影观礼等活动，强化员工的初心使命；在组织建设上，持续举办集团年会、职工文化节等活动， 增强归属感和荣誉感。 党建的成效最终要体现在业务发展上。梅林举例道，公司投行党支部组建"党员攻坚组"，精准服务武汉 光谷集成电路、光通信等领域的科创企业；财富党支部开展"党员投教先锋行"，普及理性投资理念；研 究党支部则为区域产业规划提供智力支持。"各党支部切实发挥了战斗堡垒作用，将党建优势有效转化 为发展优势。"他表示。 锻造服务实体经济硬本领 党的二十届四中全会就推进国家治理体系和治理能力现代化作出战略部署,为经济社会高质量发展提供 了坚实制度保障。"十五五"规划建议同时指出，优化金融机构体系，推动各类金融机构专注主业、完善 治理、错位发展。在此背景下，华源证券近年来实现了监管评级持续提升、客户资产规模突破与业务格 局重塑的跨越式发展。 华源证券党委书记、董事长梅林日前在接受中国证券报记者专访时，深入阐释了公司如何以"源"文化为 核心 ...

据悉，中银证券构建"常态化宣导+精准化培训+案例化警示+特色化传播"多维培育体系，推动合规理念 深入人心。每月编制发布《合规通讯》，梳理监管动态、行业及内部案例；每季度开展分层分类培训， 针对业务一线、管理人员等不同群体，通过线上直播、情景模拟、案例推演等形式，强化员工合规意识 与防控能力。通过外部培训、行业交流、导师带教等方式，提升合规团队专业素养与实战能力。定期组 织警示教育大会，剖析违规炒股、违规代客理财等典型案例，让员工以案为鉴。 中银证券表示，将不断提升风险合规管理水平，以更实举措厚植合规文化，推动合规与业务深度融合， 为公司高质量发展保驾护航。 以员工异常行为防控为案防核心，中银证券建立"制度约束+行为排查+问责震慑"三位一体防控机制。 修订完善《员工异常行为管理指引》《员工违规行为处理办法》等多项制度；常态化开展员工异常行为 排查，搭建飞行检查机制强化过程管控，将代客交易、违规炒股等高频风险点纳入重点管控，对相关违 规行为从严问责。持续优化内控体系，明确内控牵头部门职责，全面梳理并整改不相容岗位问题，从源 头防范操作风险。 本报讯 （记者周尚伃）在"强本强基、严监严管"态势下，合规经营是证券公司 ...

Company Overview - Mondelez International operates in over 150 countries, providing snacks with an estimated net revenue of approximately $36.4 billion for 2024, and is part of major indices like S&P 500, NASDAQ 100, and Dow Jones Sustainability Index [2] - The company entered the Chinese market in 1984, with its Greater China headquarters in Shanghai, producing and managing various products including biscuits, chocolates, gum, candies, and solid beverages under well-known brands like Oreo and Trident [2] - Mondelez employs around 4,000 people in China, with production bases in North, South, and East China, and a global R&D center located in East China [2] - The Suzhou Lake East factory received the Green Factory title from Jiangsu Province in 2021, and in January 2023, it joined the World Economic Forum's Global Lighthouse Network [2] Compliance and Ethics Initiatives - Mondelez International has established a training mechanism to cultivate a compliance culture, implementing a hybrid training program that deepens employees' understanding of core policies [3] - In 2024, the company conducted approximately 90 interactive compliance live courses, with around 43,000 employees completing the training online [3] - The company has developed and continuously updates a binding Code of Conduct, available in about 32 languages, outlining employees' responsibilities in conducting business lawfully and ethically [3] - All employees are required to undergo annual training on the Code of Conduct, ensuring they read, understand, and comply with its contents [3] Reporting and Accountability - Mondelez International provides accessible complaint mechanisms for employees, contractors, and subcontractors through its compliance and integrity program, with a free hotline and online reporting platform available in over 90 countries [4] - In 2024, the company's ethics and compliance department received over 2,900 contacts globally through these channels, primarily concerning inquiries about compliance policies and reporting of misconduct [4] - The company has integrated compliance principles into its supply chain management, with approximately 96% of its owned production sites and 98% of key suppliers having completed SMETA social responsibility audits in the past three years [4] - Mondelez aims for 100% coverage of its Cocoa Life program's child labor monitoring and remediation system in West Africa by 2025, having achieved 89% coverage in 2024 [4]

Core Viewpoint - The company emphasizes the importance of protecting investors' rights and maintaining financial market stability, aligning its operations with the theme of the 2025 Financial Education Promotion Week, which focuses on "Safeguarding Financial Rights and Contributing to a Better Life" [1] Group 1: Internal Training and Professional Development - The company integrates the spirit of the association's notification into daily operations, focusing on practical effectiveness over scale [2] - Internal training sessions are organized to enhance professional capabilities, particularly in investor service and communication with institutional investors [2][5] - The company conducts case analyses and practical discussions to deepen understanding of industry compliance requirements and investor protection principles [2] Group 2: Compliance and Risk Management Culture - The company emphasizes the importance of compliance culture and professional spirit as foundational elements of its operations [3] - Risk management and investor protection awareness are integrated into all business processes, making it a key responsibility for every team member [3] Group 3: Regulatory Learning and Investor Suitability - The company organizes specialized learning sessions to ensure the team comprehensively understands regulatory requirements and operates within legal frameworks [4] - Continuous optimization of investor suitability management is pursued, ensuring due diligence processes align with investors' risk tolerance and investment goals [4] - The company promotes awareness of illegal financial activities, enhancing the team's ability to identify and prevent such risks [4] Group 4: Commitment to Service Quality and Industry Development - The company aims to strengthen internal management and enhance professional service capabilities as a result of the Financial Education Promotion Week [6] - A commitment to transparent operations and open communication with investors is maintained, with a focus on integrity and professional capability to gain market recognition [6]

Core Viewpoint - The company is launching a series of activities for the "2025 Financial Education Promotion Week" to enhance financial knowledge and consumer rights protection, aligning with the national regulatory authority's directives [1]. Group 1: Event Overview - The event is themed "Protecting Financial Rights, Supporting a Better Life" and aims to deepen financial knowledge dissemination and strengthen consumer rights protection [1]. - The activities will take place from September 15 to September 21, focusing on four core areas: cultural guidance, grassroots engagement, collaborative governance, and practical benefits for the public [1]. Group 2: Cultural Guidance - The company integrates its unique compliance culture with consumer protection culture through various promotional activities, emphasizing the importance of integrity and compliance [8]. - Senior management will lead initiatives such as "Senior Executives Discuss Consumer Protection" to educate consumers on insurance principles and credit knowledge [8]. Group 3: Grassroots Engagement - The company utilizes a grassroots "Community Party Building + Financial Education" model to spread financial knowledge through activities in rural areas, communities, schools, enterprises, and business circles [11]. - Collaborations with local government units and community organizations will facilitate ongoing financial education initiatives, making financial knowledge accessible [11]. Group 4: Practical Benefits - The company focuses on enhancing customer service in key areas such as claims and policy management, implementing measures like "sleeping policy" cleanup and dividend report interpretation [24]. - During the Financial Education Promotion Week, the company will continue to address community financial knowledge needs through various initiatives led by party members and enhanced service offerings [24].