依靠中石油股东资源，中意人寿的经营基本面一直保持强劲状态，实现连续15年盈利。2024年，净利润 更是创下新高，达到13亿，同比增长4.33%。 进入2025年，其发展态势依旧引人注目。偿付能力报告显示，截至2025年6月30日，中意人寿今年保险 业务收入已达236.11亿元，同比增长11.08%；净利润10.94亿元，同比增长32.77%。 随着"退金令"等政策的出台，鼓励国央企股东回归主业，退出金融机构，中意人寿的未来发展备受行业 关注。 记者留意到，近年来，中意人寿对中石油系统公司保费收入逐年降低。据中意人寿年报披露，2021 年-2024年，中意人寿从中石油及其下属相关子公司收到的保费分别为55.03亿元、47.67亿元、40.02亿 元、33.11亿元。 近日，国家金融监督管理总局广东监管分局发布行政处罚决定，中意人寿保险有限公司（以下简称"中 意人寿"）广东省分公司因"欺骗投保人"被罚款22万元。时任中意人寿广东省分公司个人营销业务部副 总监（主持工作）张亚魁，被警告并罚款7万元。 | 序 | 当事人名称 | 行政处罚 决定书文 | 主要违法违规行为 | 行政处罚 | 作出决 | | --- | ...

Core Viewpoint - The recent financial struggles of Huishang Bank are highlighted by its decision to sell over 130 properties at a total base price of approximately 824 million yuan, reflecting the challenges faced by city commercial banks during the current interest rate cuts and deleveraging cycle [1][19]. Group 1: Asset Transfer Details - Huishang Bank's Beijing branch is transferring 130 properties, with a total base price of about 824 million yuan [1]. - The properties include office, commercial, apartment spaces, and parking spots, all approved for transfer by the bank's executive meeting [2]. - The most significant asset in this transfer is 132 properties located on North Fourth Ring East Road, which includes the Huishang Bank headquarters, with approximately 16,000 square meters of office space already vacated [3]. Group 2: Financial Performance - As of the end of 2024, Huishang Bank reported total assets of approximately 2 trillion yuan, ranking seventh among city commercial banks [4]. - The bank's revenue for 2024 was 37.128 billion yuan, with a year-on-year increase of 2.10%, while net profit rose by 6.18% to 15.917 billion yuan [17]. - However, key profitability metrics showed a decline, with return on assets (ROA) at 0.83%, down 0.06 percentage points, and return on equity (ROE) at 11.86%, down 0.66 percentage points [17]. Group 3: Shareholder Dynamics - Vanke currently holds approximately 7% of Huishang Bank's shares, making it the fifth-largest shareholder, with a total of about 970 million shares valued at over 3.1 billion Hong Kong dollars [7]. - The bank's largest shareholder is the Deposit Insurance Fund Management Co., holding 11.22% of the shares, while the second-largest shareholder is Zhongjing New China Asset Management Co., with a 10.59% stake [12]. - There have been ongoing conflicts between Huishang Bank and its shareholders, particularly regarding dividend policies and management issues, leading to a significant decrease in cash dividend ratios since 2016 [13][15]. Group 4: Regulatory Challenges - In 2024, Huishang Bank faced administrative penalties exceeding 20 million yuan from financial regulators, primarily related to violations in credit operations [17]. - The bank's non-performing loans increased, with a notable rise in personal loan defaults, leading to a non-performing loan ratio increase from 1.13% to 1.51% [17][18]. - The bank's internal control issues have raised concerns in the market, particularly regarding its ability to manage and recover from non-performing assets [17].