（编辑：李晖 审核：何莎莎 校对：颜京宁） 中经记者 何莎莎 北京报道 官方信息显示，日前，国家金融监督管理总局福建监管局批复郭英楠福州美臣和信保险代理有限公司 （以下简称"美臣和信"）总经理任职资格。企查查信息显示，美臣和信成立于2008年，注册资本200万 元。2025年2月，美臣保险经纪集团有限公司退出股东，目前股东为湖南富融科技有限公司。 ...

9月19日，北京金融监管局网站发布批复，核准胡思健京东保险代理有限公司总经理的任职资格。公司 应严格遵守金融监管总局有关监管规定，自本行政许可决定作出之日起2个月内对上述核准任职资格人 员作出任命决定，未在上述规定期限内任命的，其任职资格自动失效。 ...

9月11日，国家金融监督管理总局陕西监管局发布的处罚信息显示，因欺骗投保人，华康保险代理有限 公司被责令改正，并处罚款12万元；孙逸飞（原华康保险代理有限公司多元事业部副总经理）被警告， 并处罚款4万元。 7月24日，国家金融监督管理总局浙江监管局披露的处罚信息显示，因在电话销售保险过程中存在夸大 保险责任，将合同期满返还保费误导为缴费期满返还保费，隐瞒与合同有关的重要情况，华康保险代理 有限公司被罚款9万元，相关责任人刘耀聪被警告并罚款3万元。 公开信息显示，华康保险代理有限公司成立于2016年，注册资本为6666.67万元，业务范围包括：在全 国区域内（港、澳、台除外）代理销售保险产品；代理收取保险费；代理相关保险业务的损失勘查和理 赔；保险监督管理机构批准的其他业务。深圳新华康控股集团有限公司为华康保险代理第一大股东，持 股78.37%。 来源：读创财经 | 序 | 当事人 | 行政处罚 | 主要违法违规 | 行政处 | 作出决 | | --- | --- | --- | --- | --- | --- | | 를 | 名称 | 决定书文 号 | 行为 | 罚内容 | 定机关 | | | 华康保 | 陕 ...

北京商报讯（记者 胡永新）9月11日，金融监管总局陕西监管局发布的行政处罚信息显示，华康保险代理有限公司（以下简称"华康保险代理"）因欺骗投保 人，被责令改正，并处罚款12万元。原华康保险代理多元事业部副总经理孙逸飞被警告，并处罚款4万元。 | 序 | 当事人 | 行政处罚 決定书文 | ■ 要违法违规 | 行政处 | | | --- | --- | --- | --- | --- | --- | | 를 | 名称 | | 行为 | 河内容 | | | | | 를 | | | | | 1 | 华康保 险代理 有限公 | 陕金罚决 字 (2025) | 欺骗投保人 | 责 令 改 正, 处 罚 | 并 款 | | | 口 | 74号 | | 12 | 方 | | | | | | 兀。 | | | 2 | 孙逸飞 (原生 康保险 代理有 限公司 | 陕金罚决 字 (2025) | 欺骗投保人 | 警 告 | 리 | | | | | | 并处 | | | | | | | 款 4 | 月 | | | 多元事 | | | | | | | 亦剝剧 | 74号 | | 兀。 | | | | 总经理 | | | | | | ...

例如，违规转让信贷资产方面，当事人为广东华兴银行深圳分行及相关责任人，被作出对机构罚款35万 元、对黄亮给予警告的行政处罚决定。 业务数据不真实方面，大家人寿深圳分公司及相关责任人因财务业务数据不真实被罚。处罚决定为：对 机构罚款40万元，对耿东君给予警告并处罚款7万元，对郑岚给予警告并处罚款7万元。 中证报中证网讯（记者 张韵）深圳金融监管局官网近日披露行政处罚信息，涵盖多家金融机构，涉及 违规转让信贷资产、业务数据不真实、给予投保人合同外利益等行为。据统计，截至9月11日，今年以 来，深圳金融监管局共发布15份行政处罚信息公示表。其中，业务数据不真实这一违规行为频现。 多家机构被处以罚款 根据深圳金融监管局9月8日发布的《深圳金融监管局行政处罚信息公示表》，此番公示的违规行为共涉 及三个类别。 业务数据不真实频发 整体看，深圳金融监管局今年以来发布的行政处罚决定中，涵盖的违规行为类型较为多元化。 从行政处罚决定内容来看，涵盖警告、罚款、禁止从业等，当事人既有机构也有相关个人。多家机构被 罚款金额超过百万元，部分个人被终身禁止从事相关行业工作。 给予投保人合同外利益方面，当事人为天合代理南山分公司及相关责任 ...

Core Viewpoint - Zhongmiao Holdings (01471) reported a significant increase in revenue and profit for the six months ending June 30, 2025, driven by technological capabilities and diverse insurance products [1] Financial Performance - The company achieved a revenue of 114 million yuan, representing a year-on-year increase of 28.4% [1] - Profit attributable to equity shareholders was 25.063 million yuan, up 16.1% year-on-year [1] - Earnings per share stood at 0.18 yuan [1] Insurance Agency Business Growth - The total premium facilitated by the group increased approximately 40.5%, rising from about 666 million yuan for the six months ending June 30, 2024, to approximately 936 million yuan for the same period in 2025 [1] - Commission income generated from the insurance agency business rose about 32.8%, from approximately 82.2 million yuan to about 109 million yuan [1]

Core Viewpoint - Zhongmiao Holdings (01471) reported a significant increase in revenue and profit for the six months ending June 30, 2025, driven by technological capabilities and diverse insurance products [1] Financial Performance - The company achieved revenue of 114 million yuan, representing a year-on-year increase of 28.4% [1] - Profit attributable to equity shareholders was 25.063 million yuan, up 16.1% year-on-year [1] - Earnings per share stood at 0.18 yuan [1] Insurance Agency Business Growth - Total premiums facilitated by the group rose approximately 40.5% from about 666 million yuan for the six months ending June 30, 2024, to approximately 936 million yuan for the same period in 2025 [1] - Commission income generated from the insurance agency business increased by about 32.8%, from approximately 82.2 million yuan to about 109 million yuan [1]

Core Viewpoint - Zhongmiao Holdings (01471) plans to acquire a financial digitalization company, Kexinrongxin Technology, for 165 million yuan, valuing the company at approximately 300 million yuan for a 55% stake, indicating a strategic move into the financial asset digitalization sector [1][3]. Group 1: Company Overview - Kexinrongxin Technology, previously listed on the New Third Board, is based in Beijing and specializes in financial asset digitalization, transforming traditional financial operations into digital management systems [2]. - The company primarily serves banks and non-bank financial institutions, offering solutions like a second-generation currency issuance logistics management system that automates and tracks currency distribution [2]. Group 2: Benefits of Acquisition - The acquisition will enrich Zhongmiao Holdings' product line by adding financial asset digitalization services to its core insurance agency offerings, enhancing its overall service portfolio [4]. - Kexinrongxin's technology can facilitate the digital upgrade of Zhongmiao's insurance services, improving processes such as insurance claims [6]. Group 3: Industry Trends - The financial asset digitalization sector is significantly influenced by AI, with a growing percentage of finance professionals recognizing the potential for AI applications in their field, increasing from 64.73% in 2024 to 69.03% in 2025 [8]. - Research indicates that AI models like GPT-4 excel in financial report analysis, potentially surpassing human analysts [10]. - There is a notable market opportunity for smaller financial institutions that are slower in digital transformation due to resource constraints, creating a demand for digitalization services [11]. Group 4: Application Cases - Jiangsu Bank has implemented an AI-driven "intelligent document assistant" to enhance efficiency in credit approval processes, achieving a 42% increase in efficiency and saving 15,000 hours of work annually [13]. - Hengsheng Electronics upgraded its non-performing asset management system using AI to streamline decision-making processes [14]. - The AI model "Hongxiaozhi" has significantly improved the efficiency of state-owned asset management, reducing the asset verification cycle from monthly to daily [15]. - Changjietong has introduced an AI solution for small and micro enterprises that automates tax-related tasks, drastically reducing the need for human resources [16].

Core Viewpoint - The article highlights a concerning practice at airports where individuals, posing as staff, sell insurance under misleading pretenses, often without proper authorization or transparency [1][5][12]. Group 1: Incident Description - A passenger, Xi Jie, was approached by uniformed individuals at an airport who offered to help her with her ticket and subsequently sold her an accidental insurance policy without her consent, with the premium going to a company named Jiangxi United Online Technology [1][4]. - The sales process involved the staff claiming to check for unnecessary charges on her ticket, leading to a quick and pressured sale of the insurance policy, which was framed as a necessary step to cancel unwanted services [3][10]. Group 2: Company Background - Jiangxi United Online Technology's credentials are questionable, as there is no record of the company having the necessary insurance sales qualifications, and it has been removed from the list of authorized insurance agents [5][14]. - The airport confirmed that the individuals selling insurance were from an outsourced company, but there was no verification of their legitimacy or qualifications [5][12]. Group 3: Legal and Regulatory Concerns - Legal experts indicate that the actions of Jiangxi United Online Technology could be classified as illegal operations due to the lack of insurance sales qualifications, which poses risks to consumers [6][14]. - The article emphasizes that if the company lacks proper authorization, it could lead to significant legal repercussions for both the company and the airport for allowing such practices [6][14]. Group 4: Consumer Experience and Reactions - Many consumers have reported similar experiences of being misled into purchasing insurance at airports, often under the guise of assistance from staff [11][12]. - The article notes that the sales tactics employed create a false sense of urgency and trust, leading passengers to make hasty decisions without fully understanding the terms of the insurance [9][10].

Core Viewpoint - The article highlights a concerning practice at airports where individuals posing as staff sell insurance products under misleading circumstances, raising questions about the legitimacy of their operations and the potential risks to consumers [1][4][10]. Group 1: Incident Description - A passenger, identified as Xi Jie, experienced a deceptive insurance sales tactic at an airport where she was persuaded to purchase an aviation accident insurance policy without her consent, with the premium going to a company named Jiangxi United Online Technology [1][3]. - The sales process involved staff checking her ticket app and claiming she had unnecessary services, leading her to believe she needed to purchase insurance to resolve the issue [2][9]. - The insurance was sold under the guise of helping her cancel unwanted services, but it was later revealed to be a tactic to push the insurance product [5][9]. Group 2: Company Legitimacy - Investigations revealed that Jiangxi United Online Technology lacks any verifiable insurance sales qualifications, raising concerns about its operations and the legality of its sales practices [4][5]. - The airport confirmed that the sales personnel were from an outsourced company, but there was no evidence of the company having the necessary insurance intermediary licenses [5][11]. - Legal experts indicated that the lack of qualifications could lead to significant risks for consumers, including the potential invalidation of insurance policies due to improper underwriting [5][12]. Group 3: Regulatory Concerns - The article discusses the regulatory framework surrounding insurance sales, emphasizing that sales personnel must disclose their identity and provide clear information about the insurance products being sold [6][12]. - There are strict requirements for insurance sales processes, including the necessity of providing a customer information document and ensuring that premiums are paid directly to the insurance company [7][12]. - The article suggests that the airport's management may be failing in its duty to oversee the activities of outsourced personnel, allowing misleading practices to occur [11][12]. Group 4: Consumer Reactions - Many consumers have reported similar experiences of being misled into purchasing insurance at airports, indicating a broader issue within the industry [10][11]. - Social media complaints reveal a pattern of deceptive practices where passengers are approached by individuals in uniforms who misrepresent their roles and the nature of the services offered [10][11]. - The article concludes that there is a pressing need for better regulation and oversight of insurance sales practices at airports to protect consumers from such deceptive tactics [12][13].