转自：北京日报客户端 2026年伊始，海峡金桥财产保险股份有限公司（以下简称"海峡保险"）抛出系列重磅公告，拉开了深度 变革的序幕。1月6日至7日，海峡保险临时负责人选定、董事长更迭、增资扩股拟定三则公告密集发 布，叶远航出任董事长、原董事长转任临时负责人，四位股东拟合计注资10亿元。该公司股权也将更加 集中，第一大股东将合计持股48.65%。 管理层大换血与股东队列洗牌同步推进，凸显其摆脱经营亏损、谋求转型发展的决心。而这场力度空前 的变革，也将深刻影响海峡保险未来的发展轨迹。 老将转岗新人掌舵 1月6日，海峡保险公告，根据《福建金融监管局关于叶远航海峡金桥财险公司董事、董事长任职资格的 批复》（闽金复〔2025〕304号），自2025年12月25日起，施培德不再担任公司董事长，叶远航担任公 司董事长。同日，海峡保险的另一则公告提到，经公司董事会决议，自2025年12月25日起，施培德担任 公司临时负责人，代行总裁职责。 透过简历来看，施培德与叶远航均来自人保财险福建体系。施培德1992—2021年服务于人保系统，曾任 人保财险厦门市分公司党委书记、总经理等职务，2021年6月25日起担任海峡保险董事长。 ...

2026年伊始，海峡金桥财产保险股份有限公司（以下简称"海峡保险"）抛出系列重磅公告，拉开了深度 变革的序幕。1月6日至7日，海峡保险临时负责人选定、董事长更迭、增资扩股拟定三则公告密集发 布，叶远航出任董事长，原董事长转任临时负责人，四位股东拟合计注资10亿元。该公司股权也将更加 集中，第一大股东将合计持股48.65%。 管理层大换血与股东队列洗牌同步推进，凸显其摆脱经营亏损、谋求转型发展的决心。而这场力度空前 的变革，也将深刻影响海峡保险未来的发展轨迹。 海峡保险在增资的同时拟进行股权转让，厦门象屿集团有限公司（以下简称"象屿集团"）拟将其所持有 的全部公司股权（合计22500万股股份，股比15%）以及由该股权而派生的所有权益，转让给福建投资 集团。 而在上述增资事项和股权转让事项获批后，海峡保险股东队列迎来一次洗牌，大股东持股比例接近一 半，部分小股东退出或持股比例被稀释。具体来说，福建投资集团持有海峡保险股权比例由20%升至 48.65%，福建高速（股比18%）、福州投资管理（股比17%）和福建船舶工业（股比10%）的持股比例 维持不变。象屿集团退出海峡保险股东队列，上海豪盛投资集团有限公司、泉州鸿星 ...

叶远航现任福建省投资开发集团有限责任公司（以下简称"福建投资集团"）党委委员、副总经理兼总法律顾问、首席合规官；兴业证券董事。曾任人保财险 福州市分公司党委委员、副总经理，人保财险福建省分公司银行保险部总经理，人保财险福州市分公司党委书记、总经理，人保财险福建省分公司党委委 员、总经理助理、副总经理等职务。 2026年伊始，海峡金桥财产保险股份有限公司（以下简称"海峡保险"）抛出系列重磅公告，拉开了深度变革的序幕。1月6日至7日，海峡保险临时负责人选 定、董事长更迭、增资扩股拟定三则公告密集发布，叶远航出任董事长、原董事长转任临时负责人，四位股东拟合计注资10亿元。该公司股权也将更加集 中，第一大股东将合计持股48.65%。 管理层大换血与股东队列洗牌同步推进，凸显其摆脱经营亏损、谋求转型发展的决心。而这场力度空前的变革，也将深刻影响海峡保险未来的发展轨迹。 老将转岗新人掌舵 1月6日，海峡保险公告，根据《福建金融监管局关于叶远航海峡金桥财险公司董事、董事长任职资格的批复》（闽金复〔2025〕304号），自2025年12月25 日起，施培德不再担任公司董事长，叶远航担任公司董事长。同日，海峡保险的另一则公告提 ...

1月5日，山东省保险行业协会官微显示，近日，山东省正式发布企业财产保险、雇主责任保险两大险种 行业示范条款，成为全国首个推出两大险种行业示范条款的省份。 据悉，本次发布的企财险示范条款包含财产基本险、综合险、一切险、机器损坏险4个主险，以及特殊 责任、扩展标的、供应中断等10类附加险；雇主责任险示范条款包含雇主责任险主险及其高空作业、误 工费用调整等5类附加险，形成了企财险"4+10"、雇责险"1+5"的标准化产品体系。 关键词阅读：行业示范条款 企财险 雇主责任险 此外，为确保示范条款的科学性和可行性，山东省保险行业协会组织不同规模的财险公司组建专项小 组，以近5年行业承保理赔数据为核心基础，精准测算行业费率，严格遵循大数法则科学研判风险费率 水平，并在可以满足市场需求基础上，对现有条款进行了大幅压缩，示范条款适用更简单明确。 责任编辑：栎树 ...

12月10日金融一线消息，吉林金融监管局今日发布关于吉林农村商业银行股份有限公司经营保险代理业 务的批复，核准该行经营保险代理业务，代理险种为：机动车辆保险、企业财产保险、家庭财产保险、 货物运输保险、船舶保险、工程保险、特殊风险保险、农业保险、责任保险、信用保险、保证保险、人 寿保险、年金保险、健康保险、意外伤害保险。 12月10日金融一线消息，吉林金融监管局今日发布关于吉林农村商业银行股份有限公司经营保险代理业 务的批复，核准该行经营保险代理业务，代理险种为：机动车辆保险、企业财产保险、家庭财产保险、 货物运输保险、船舶保险、工程保险、特殊风险保险、农业保险、责任保险、信用保险、保证保险、人 寿保险、年金保险、健康保险、意外伤害保险。 吉林金融监管局指出，吉林农村商业银行须持本批复到决定机关领取保险中介许可证。公司应依法经 营，并严格遵守有关法律法规和金融监管总局相关规定。 责任编辑：曹睿潼 吉林金融监管局指出，吉林农村商业银行须持本批复到决定机关领取保险中介许可证。公司应依法经 营，并严格遵守有关法律法规和金融监管总局相关规定。 责任编辑：曹睿潼 ...

12月10日，国家金融监督管理总局吉林监管局发布批复，核准吉林农商银行经营保险代理业务，代理险种为：机动车辆保 险、企业财产保险、家庭财产保险、货物运输保险、船舶保险、工程保险、特殊风险保险、农业保险、责任保险、信用保 险、保证保险、人寿保险、年金保险、健康保险、意外伤害保险。 据吉林金融监管局，吉林农商银行于今年8月获批成立。批复显示，吉林农商银行的注册资本为346.28亿元，其中吉林省金融 控股集团股份有限公司出资346亿元，出资比例99.92%；吉林省飞达物业管理服务有限公司出资2812.16万元，出资比例 0.08%。彼时吉林农商银行经营范围为：吸收公众存款；发放短期、中期和长期贷款；办理国内外结算；办理票据承兑与贴 现；发行金融债券；代理发行、代理兑付、承销政府债券;买卖政府债券、金融债券；从事同业拆借；从事银行卡业务（借记 卡业务，信用卡发卡业务）；提供信用证服务及担保；代理收付款项；提供保管箱服务；信贷资产证券化业务（仅限总行开 展）；开办外汇业务（仅授权监管同意地区的分支机构）；经国务院银行业监督管理机构批准的其他业务。 批复文件还公布了吉林农商银行领导班子。具体来看，批复核准王立生董事长的任 ...

Core Insights - China Post has been approved to operate insurance agency business, indicating its accelerated entry into the insurance agency market [1][2] - The insurance intermediary market is experiencing a significant transformation, with many institutions exiting the market due to evolving consumer demands for professionalism and personalized services [4][5] Group 1: China Post's Entry into Insurance Agency - China Post has received approval from the financial regulatory authority to operate insurance agency services, covering various types of insurance including vehicle, property, life, annuity, health, and accident insurance [2] - The approval allows China Post to leverage its extensive physical network beyond banking, enabling it to tap into under-served markets [3] - China Post's network coverage in rural areas is notable, with a 100% coverage rate for township outlets and established village postal services as of 2024 [3] Group 2: Market Dynamics and Trends - The insurance intermediary market has seen over a hundred institutions deregister since 2019, with more than 20 exiting in the current year alone [4] - The market's contraction is attributed to a combination of regulatory pressures, market evolution, and changing consumer expectations, leading to a demand for specialized and personalized risk solutions [4][5] - The industry is undergoing structural differentiation, with a shift from a focus on scale to value, emphasizing service over mere sales [5][6] Group 3: Future Directions for Intermediaries - The insurance intermediary market still holds significant growth potential, necessitating a return to the core mission of representing client interests [6][7] - Future intermediaries must transition from being sales channels to becoming client advisors, focusing on long-term value creation rather than one-time commissions [7] - Emphasis on professional expertise and technological integration is crucial, with intermediaries needing to develop deep knowledge in specific areas and utilize technology for enhanced service delivery [7]

Core Insights - China Post Group has received approval to operate insurance agency business, marking its entry into the insurance intermediary market amidst a significant industry restructuring [2][3] - The approval allows China Post to offer a wide range of insurance products, including 15 categories covering both property and life insurance, indicating a strategic shift towards enhancing financial services in rural areas [2][3] Industry Context - The insurance intermediary market has undergone a deep cleansing, with over 20 professional intermediary institutions being deregistered in 2024 alone, and the number of deregistrations in the first ten months of 2025 matching the total for the previous year [3] - In Jilin province, 62 insurance intermediary institutions were deregistered by June 2025, reflecting a more than 10% decline in total institutions since the beginning of the year [3] Strategic Implications - The entry of China Post is seen as a move to optimize the industry structure by introducing a state-owned entity with a robust network and credibility, which could accelerate the elimination of inefficient intermediaries and enhance service standards [3][4] - China Post's extensive network of 64,000 end points provides a unique advantage in reaching underserved areas, potentially transforming the insurance landscape by extending coverage to rural regions [4] Internal Coordination Challenges - The integration of China Post's existing insurance-related entities, such as China Post Life and Postal Savings Bank, poses a challenge in avoiding internal competition and ensuring collaboration [5] - Clear delineation of business boundaries and responsibilities is essential to prevent conflicts of interest and optimize resource utilization across different insurance services [5] Regulatory Expectations - The regulatory body has set high standards for China Post's insurance agency operations, emphasizing compliance with laws and regulations, and the establishment of a firewall to protect consumer rights [6][7] - The focus on consumer protection and prevention of sales misguidance reflects the regulatory intent to maintain high operational standards within the industry [6] Market Impact - The entry of China Post may lead to significant shifts in the market, with regional intermediaries facing pressure as China Post leverages its brand trust and extensive network to capture market share in standardized insurance products [6] - The potential for a digital and offline combined agency model could attract a new wave of agents, challenging traditional sales strategies [6] Risk Management Strategies - Emphasis on compliance training and product knowledge for sales personnel is critical to mitigate risks of consumer misguidance [7] - Establishing a rapid response mechanism for customer disputes and an independent complaint handling system is essential to maintain brand integrity and consumer trust [8]

Core Insights - The approval for China Post Group to operate insurance agency business signifies a strategic entry into the insurance intermediary market during a period of contraction and quality enhancement in the industry [1][3] - China Post's extensive network of 64,000 end-point outlets provides a significant advantage in reaching underserved rural and urban areas, aligning with national inclusive finance strategies [1][4][5] Industry Context - The insurance intermediary market is undergoing a "cleaning and quality enhancement" phase, with 21 insurance professional intermediary licenses revoked in 2024 and a similar number in the first ten months of 2025 [3] - The regulatory focus is on eliminating non-compliant intermediaries while encouraging reputable institutions with strong networks to serve the real economy [3] Company Advantages - China Post's network offers unparalleled coverage and depth, especially in rural areas, along with a high level of public trust as a state-owned entity [6] - The transformation of China Post's outlets from mere financial information points to legally regulated insurance agencies will enhance their operational capabilities [6][8] Challenges Ahead - Internal coordination among China Post's existing entities, such as China Postal Life Insurance and Postal Savings Bank, is crucial to avoid internal competition and leverage collective strengths [7] - Building professional capabilities among staff to transition from standard service providers to financial advisors is a significant challenge that requires extensive training [8][9] Strategic Recommendations - Establish a systematic training and certification program to enhance the professional skills and compliance awareness of frontline staff [9] - Develop a dedicated IT support system for efficient and compliant sales management, ensuring traceability and risk control [9] - Focus on creating simple, affordable, and understandable insurance products that meet the needs of the target market, particularly in health, accident, and agricultural insurance [9]

Core Viewpoint - China Post has applied to the Financial Regulatory Administration to restore its insurance agency qualifications, addressing compliance issues while maintaining its existing business logic and operational model [1][3]. Group 1: Business Operations - China Post operates a vast network of service points across urban and rural areas, providing services such as parcel delivery, money transfers, savings, and various financial products [2]. - The range of insurance products that China Post can now offer includes vehicle insurance, property insurance, agricultural insurance, life insurance, and health insurance, among others [2]. - China Post is the largest insurance agency in China, with total assets exceeding 680 billion yuan, ranking among the top ten insurance companies in the country [2]. Group 2: Historical Context - Prior to obtaining its own insurance agency license, China Post utilized the qualifications of Postal Savings Bank for its insurance agency operations [3][5]. - The establishment of Postal Savings Bank in 2007 marked a significant reform in the postal savings management system, leading to its eventual public listings in 2016 and 2019 [4]. - To avoid internal competition, China Post had previously committed to not engaging in insurance agency business after the establishment of Postal Savings Bank, leading to the cancellation of several agency licenses [4]. Group 3: Regulatory Changes - The implementation of new regulations in 2021 restricted the practice of sub-agency, prompting China Post to seek its own insurance agency license [5]. - As of now, China Post operates approximately 54,000 service points, with over 32,000 of these offering financial services, significantly contributing to Postal Savings Bank's revenue [6].