史带财产保险股份有限公司（以下简称"史带财险"）临时负责人这一职位迎来了接棒者。10月27日，北京商报记者了解到，史带财险近日公告，戎红钢自今 年10月15日起担任公司临时负责人，履行代理总经理职责。与此同时，钟向宁不再担任副总经理（主持工作）。记者注意到，钟向宁自今年10月15日起担任 公司副总经理兼高级副总裁。高管职位变动背后，史带财险总经理职位空缺已超过四年。 在业内人士看来，刚从合资转为外资独资的史带财险正面临深层挑战，如分支机构收缩后市场覆盖不足，以及待解的承保亏损难题。 戎红钢任临时负责人 史带财险高管层出现重大变动。 近日，史带财险发布的公告显示，经公司第八届十四次董事会审议通过，戎红钢自今年10月15日起担任公司临时负责人，履行代理总经理职责。钟向宁不再 担任副总经理（主持工作）。 戎红钢，这位"70后"保险业老将，拥有近30年金融保险行业工作经历，于2025年9月加入史带财险。戎红钢曾先后在国际知名的经纪公司、保险集团公司担 任高级管理职务。戎红钢2011年任中怡保险经纪副总经理，于2015年10月任怡和保险经纪有限公司总经理。 史带财险选择戎红钢担任临时负责人，可能基于哪些考量？首都经贸大 ...

Investment Rating - The industry investment rating is "Overweight" (maintained) [1] Core Viewpoints - The non-bank financial sector has experienced an excess decline compared to the overall A-share index since late August, with valuations and institutional holdings at low levels. The brokerage sector shows good performance prospects, while the insurance sector has certain dividend attributes. The non-bank financial sector is seen as having both offensive and defensive characteristics, and there are strategic opportunities for investment in the brokerage sector, particularly in undervalued life insurance stocks and high dividend yield companies like Jiangsu Jinzu [5] Summary by Sections Brokerage Sector - The average daily trading volume of stock funds reached 3.19 trillion yuan, up 15.9% month-on-month. In September, 2.94 million new A-share accounts were opened, a year-on-year increase of 61% and a month-on-month increase of 11%. The total number of new accounts opened from January to September reached 20.15 million, up 50% year-on-year [6] - The adjustment of margin financing collateral ratios is a routine measure and primarily affects new financing scales without impacting existing stock. The brokerage sector's performance in Q3 is expected to show a year-on-year growth of 53.1% in net profit attributable to the parent company, with a quarter-on-quarter increase of 1% [6] - The report recommends three main lines of brokerage stocks: Guosen Securities, which benefits from retail advantages and the Hainan cross-border asset management pilot; Huatai Securities and CICC, which excel in overseas and institutional business; and GF Securities and Dongfang Securities H, which have significant wealth management advantages [6] Insurance Sector - The implementation of the "reporting and operation integration" policy for non-auto insurance business is expected to lead to a decline in the comprehensive cost ratio (COR) for property insurance companies. The regulatory measures are anticipated to guide the industry towards more standardized development and lower insurance rates [7] - Long-term interest rates remain stable, alleviating net asset pressures, while the expected return on equity assets is boosted, leading to a potential improvement in the interest margin for insurance companies in the medium to long term. The report recommends undervalued stocks such as China Pacific Insurance and Ping An Insurance [7] Recommended and Beneficiary Stocks - Recommended stocks include Huatai Securities, GF Securities, Guosen Securities, Dongfang Securities H, CICC H, Dongfang Caifu, Guotai Junan; China Pacific Insurance, Ping An Insurance; Jiangsu Jinzu, Hong Kong Stock Exchange [8]