消费日报网讯（记者 卢岳）12月2日，重庆市金融监管局发布的《2025年11月重庆市小额贷款公司退出行业公示表》显示， 包括重庆人保小额贷款有限责任公司（简称"人保小贷"）在内的21家小额贷款公司退出行业，不得再从事小额贷款相关业务。 资料显示，2016年10月，人保集团成立人保金融服务有限公司（简称"人保金服"）开启了互联网金融的布局之路。2025年以 来，包括人保小贷在内，人保金服旗下已有3张金融牌照被清理，人保集团缩减金融业务版图的苗头明显。 多家子公司注销金融牌照 据公开资料，人保小贷是由人保金服全资发起成立的一家互联网小贷公司，2017年11月成立，注册资本金达3亿元，可在全 国范围开展互联网小额贷款业务。 近期，人保金服却主动舍弃了这张金融牌照。 今年6月，企查查消息显示，6月25日，人保小贷因决议解散，拟向公司/农民专业合作社登记机关申请注销登记，请债权人 自公告之日起45日内向清算组申报债权。 12月2日，重庆市金融监管局发布《2025年11月重庆市小额贷款公司退出行业公示表》显示，共21家小额贷款公司退出行 业，不得再从事小额贷款相关业务。人保小贷在列。 记者关注到，这21家小贷公司中，有2 ...

Core Viewpoint - China Twenty-Two Metallurgy Group Co., Ltd. and China State Construction Engineering Corporation Second Bureau Third Construction Co., Ltd. are transferring their 30 million shares in Great Wall Life Insurance Co., Ltd. at a base price of 35.82999 million yuan each, reflecting a strategic exit from the insurance sector in response to government policies [1][4]. Group 1: Share Transfer Details - Both companies are listed as founding shareholders of Great Wall Life, each originally holding 10% of the shares, which have now been diluted to 0.4386% due to multiple rounds of capital increases [3][4]. - The shares were previously listed for transfer in October 2025 at a base price of 39.8111 million yuan, indicating a 10% price drop in the recent offering [4]. Group 2: Regulatory Context - The transfer aligns with the "retreat from finance" directive issued by the State-owned Assets Supervision and Administration Commission (SASAC), which restricts state-owned enterprises from investing in financial institutions that do not align with their core business [4]. - Following the issuance of these policies, several state-owned enterprises have begun divesting from insurance companies, including China Bank Samsung Life and Minsheng Life Insurance [4]. Group 3: Company Performance - Great Wall Life reported an insurance business revenue of 21.455 billion yuan for the first three quarters of 2025, a year-on-year decline of 5.92%, with net profit dropping over 70% to 156 million yuan [5]. - As of the end of the third quarter, the company's core solvency adequacy ratio stood at 102.21%, while the comprehensive solvency adequacy ratio was at 153.84% [5].

事实上，这并非中航集团首次寻求退出中银三星人寿。 早在2024年12月，中航集团就曾挂牌转让所持中银三星人寿24%股权，彼时转让底价为18.15亿元。相比之下，此次新发布的挂牌价较上一次下降了7880 万元。 又一家保险公司股权被摆上交易桌。 11月17日，《国际金融报》记者注意到，中银三星人寿保险有限公司（下称"中银三星人寿"）24%股权在北京产权交易所挂牌转让，转让底价为17.36亿 元，转让方为中国航空集团有限公司（下称"中航集团"）。 | 北京产权交易所 愿意:建设规范高致的新型资市市场 CHINA BEIJING EQUITY EXCHANGE | | | | 2 输入关键词,搜项目、公告、规则. | | 搜索 | | --- | --- | --- | --- | --- | --- | --- | | 首页 覧价 | 项目 公告 | 专栏 | 规则 服务 | | 会员 | 我们 | | 首页 > 项目 > 产权转让 > 正式披露 | | | | | | | | 中银三星人寿保险有限公司24%股权 | | | | | | 点击量:217次 | | 6 % 8 ± 2 = 请关注： ● 北交汇投【优 ...

相较去年12月的转让价格，此次最新挂牌价降低了约5%。 对于保险公司估值下降，天职国际保险咨询主管合伙人周瑾曾向券商中国记者分析，核心原因是保险业转型改 革进入深水区，其发展面临的挑战加大，增速放缓，股东回报水平以及预期有所下降。同时，保险公司潜在投 资人的出资能力下降，供需关系的变化也使得保险股权估值水平下降。此外，保险行业属于资金密集型行业， 监管部门对保险公司股东资质和资金来源加强穿透和规范管理，加上国务院国资委也严控产业对金融的投资， 使得社会各界资本对保险公司股权的投资更趋理性。 "退金令"影响还在持续。 近日，中银三星人寿保险有限公司（简称"中银三星人寿"）24%股权被挂上北京产权交易所，转让方为中国航 空集团有限公司（简称"中航集团"），这是其所持中银三星人寿全部股权。 这是中航集团再次挂牌寻求转让中银三星人寿股权，此次转让底价为17.36亿元，较2024年12月挂牌价调低 5%。本项目接受联合受让，但联合体成员不得超过2家。 披露起始日期为2025年11月10日，披露期不少于20个工作日。 创始股东再次挂牌股权 这已不是中航集团首次挂牌中银三星人寿股权。2024年12月，北京产权交易所上线中航 ...

本报（chinatimes.net.cn）记者张萌 卢梦雪 北京报道 富滇银行再有大额股权登陆转让市场。 据北京产权交易所预披露信息显示，中国大唐集团财务有限公司（下称"大唐财务"）拟挂牌转让其所持 有的富滇银行9亿股股份，占总股本的13.47%。这并非大唐财务首次尝试"清仓"退出，公开记录显示， 其曾于2021年2月和2024年4月两次挂牌转让该笔股份，但均未能成功寻得买家。 股权受让遇冷的态势在近期已有显现。就在本月15日，富滇银行第五大股东福建信通贸易有限公司（下 称"福建信通贸易"）所持的2亿股股权因无人出价而流拍。此次大股东再度挂牌转让，是否有望打破此 前僵局？9月24日，《华夏时报》记者就股权转让事宜联系富滇银行，但截至发稿仍未获回复。 股权多次挂牌 难逃流拍命运 作为富滇银行的第二大股东，大唐财务退出的决心显得异常坚定。 公开信息显示，早在2021年2月，大唐财务就曾试图出让其所持的9亿股股份，但未能成功。此后，该公 司于2023年12月至2024年4月期间，再次通过北京产权交易所挂牌转让该笔股权，作价32.04亿元，然而 最终仍因无人问津而告终。 大唐财务与富滇银行的合作渊源始于2011年。 ...

Core Viewpoint - China United Life Insurance Co., Ltd. (中意人寿) faced administrative penalties for deceiving policyholders, with a fine of 220,000 yuan imposed on its Guangdong branch and a 70,000 yuan fine on the deputy director Zhang Yahui [2][3]. Regulatory Actions - The Guangdong branch of China United Life Insurance was fined 220,000 yuan for deceiving policyholders, while Zhang Yahui, the deputy director, received a warning and a fine of 70,000 yuan [2][3]. - Other branches of China United Life Insurance have also faced penalties this year for various violations, including inadequate internal control execution, false meeting expenses, and providing benefits beyond contractual agreements to policyholders [2][4]. Company Background - China United Life Insurance was established in 2002 as a joint venture between China National Petroleum Corporation (中石油) and Italy's Generali Group, being the first Sino-foreign joint venture insurance company approved after China's entry into the WTO [4]. - In September 2016, China National Petroleum Corporation transferred its 50% stake to China National Petroleum Group Capital Co., Ltd. without compensation [4]. - The company has maintained strong operational fundamentals, achieving profitability for 15 consecutive years, with a net profit reaching 1.3 billion yuan in 2024, a year-on-year increase of 4.33% [4]. Financial Performance - As of June 30, 2025, China United Life Insurance reported insurance business revenue of 23.611 billion yuan, a year-on-year increase of 11.08%, and a net profit of 1.094 billion yuan, up 32.77% [5]. - The company has seen a gradual decline in premium income from China National Petroleum Corporation and its subsidiaries, with premiums received decreasing from 5.503 billion yuan in 2021 to 3.311 billion yuan in 2024 [5].

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].