【 导读 】 富泽人寿 获批开业并受让君康人寿保险业务 中国基金报记者 忆山 又一例 由地方国资主导的 险企 风险化解案例正式落地 ！ 12月16日，金融监管总局官网发布的多条批复信息显示，富泽人寿保险股份有限公司（以下 简称富泽人寿）已于今年1月获批筹建，6月获批开业，并接受山东金融监管局的属地监督管 理。 注册资本为 170亿元 地方国资为第一大股东 批复文件显示，富泽人寿营业场所位于山东省济南市，注册资本为170亿元。 公司业务范围包括：人寿保险、健康保险、意外伤害保险等各类人身保险业务；上述业务的 再保险业务；国家法律法规允许的保险资金运用业务；经国务院保险监督管理机构批准的其 他业务。 股东方面，整体呈现出"地方国资+行业保障基金+大型险企"的股权结构。具体来看，济南金 投控股集团有限公司出资84.5亿元，持股比例为49.71%；中国保险保障基金有限责任公司出 资60亿元，持股比例为35.29%；中国人保资产管理有限公司出资19.5亿元，持股比例为 11.47%；济南政金通达投资管理有限公司出资6亿元，持股比例为3.53%。 高管方面，冯毅获准担任富泽人寿董事长；谢祝锋获准担任富泽人寿总经理。资料显 ...

Core Viewpoint - Bohai Life Insurance has made significant progress in risk mitigation and is entering a new phase with the support of Tianjin state-owned assets, marking its transition away from the "HNA system" label [2][4]. Group 1: Capital Injection and Governance - Tianjin state-owned assets will complete the first round of capital injection of 1 billion yuan by the end of 2024, establishing state control over Bohai Life Insurance [3]. - The company is preparing for a second round of capital injection to enhance its capital adequacy and governance structure [3][4]. - The relocation of the company's headquarters to the Tianjin Airport Economic Zone is expected to leverage the advantages of state-owned shareholders and free trade zone policies for new development opportunities [4]. Group 2: Financial Performance and Challenges - Since its establishment in December 2014, Bohai Life Insurance has experienced significant fluctuations in its development trajectory, with total premiums peaking at 18.5 billion yuan in 2016 before declining due to regulatory changes [5][7]. - In 2023, the company reported insurance business revenue of approximately 9.6 billion yuan and a substantial net loss of 3.1 billion yuan, with total assets around 54 billion yuan [7]. - As of the end of 2023, the company's comprehensive solvency adequacy ratio was 102.35%, slightly above the minimum requirement [7]. Group 3: Management Changes - The company has undergone governance restructuring, with a new chairman, Kou Jianghua, appointed following the retirement of the previous chairman [9][10]. - The recruitment of senior management is underway, aiming to attract high-level professionals with extensive experience in the insurance industry to support the company's strategic development [11].