面对业绩承压，该司也在同比进行业务改革，分别从渠道、资产端、负债端进行优化，但长期仍需应对 利差损、股东风险等遗留问题，成效有待时间检验。 月初，横琴人寿披露18.52亿元增资方案，引入横琴深合投资、格力系背景的横琴金融投资集团两家地 方国资股东，叠加此前拟发行的11亿元资本补充债，形成合计超30亿元的资本补血组合拳，公司注册资 本将从31.37亿元攀升至49.89亿元。 资本补血的同时，横琴人寿亦重塑人事布局。今年，该司新晋副总经理陈平、总经理助理杨静波、审计 责任人严志扬，同时总助、财务负责人谭明星晋升为副总经理。 业绩方面，2025年前三季度横琴人寿保险业务收入同比下降22.87%。净资产较年缩水70.74%。不过该 司投资水平仍然在线，前三季度投资收益率为4.64%，排在寿险行业第11位，且净亏损有所收窄。 面对业绩承压，该司也在同比进行业务改革，分别从渠道、资产端、负债端进行优化，但长期仍需应对 利差损、股东风险等遗留问题，成效有待时间检验。 登录新浪财经APP 搜索【信披】查看更多考评等级 来源：险企高参 股东变阵： 18亿增资，格力间接入股 12月3日，横琴人寿于发布《变更注册资本信息披露公告》 ...

Core Viewpoint - The recent ownership change and management adjustment at Xishang Bank highlight underlying risks in its shareholder structure, alongside operational pressures from declining revenue and rising non-performing loan rates, raising concerns about the bank's future development [2][3][8]. Group 1: Ownership Change and Management Adjustment - On August 8, the National Financial Supervision Administration approved the transfer of 25% of Xishang Bank's shares from Hongdou Group to Wuxi Guolian, marking a significant change in ownership and management [2]. - The approval also emphasized the need for Xishang Bank to strengthen its equity management, optimize its shareholder structure, and improve corporate governance to mitigate risks [2][3]. Group 2: Financial Performance and Operational Challenges - In 2024, Xishang Bank reported a revenue of 1.185 billion RMB, a year-on-year decline of 26.74%, while net profit increased by 8.39% to 420 million RMB, indicating challenges in business expansion and competitive positioning [3]. - The non-performing loan rate rose to 1.25% in 2024, reflecting a deterioration in asset quality and challenges in credit risk management [3]. Group 3: Increase in Complaints and Regulatory Concerns - Complaints against Xishang Bank have surged, with over 130 complaints in the past month, primarily related to aggressive debt collection practices, repayment disputes, and interest rate controversies [4][7]. - A specific case highlighted a user claiming an interest rate exceeding 36%, significantly above the legal threshold, raising concerns about the bank's compliance with lending regulations [4][6]. - The increase in complaints suggests deficiencies in post-loan management, customer service, and compliance, which could attract regulatory scrutiny and impact the bank's operational environment [7][8]. Group 4: Industry Implications - The challenges faced by Xishang Bank serve as a warning for small and medium-sized banks, emphasizing the importance of shareholder quality, risk management, and compliance in a competitive market [9].