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Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82
来玩吧121224中字-不容错过的精彩时刻与回忆
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来玩吧121224中字-不容错过的精彩时刻与回忆

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  来源:华夏时报

  刚宣布拟增资不久的国富人寿,再度因高层人事变动引发关注。

  近日,国富人寿在官网发布公告称,王海河因个人工作变动,已于4月2日辞去该公司第三届董事会董事、董事长等职务。暂由董事江亚东代为履行董事长职权,直至新任董事长正式任命之日止。

  国富人寿在公告中表示,王海河辞职不会对公司的生产经营产生不利影响。对于该公司新董事长选聘的问题,国富人寿相关负责人4月16日向《华夏时报》记者表示,公司将组织股东提名董事长候选人,并根据股东提名情况开展董事长选举工作及任职资格核准申请等工作,待完成后会在公司官网披露。

  六年三换董事长

  现年46岁的王海河,长期在金融系统工作,拥有较为丰富的金融管理经验,其曾在国家开发银行广西分行、国家开发银行办公厅及风险管理局任职,还曾在广投集团风控、法律、巡察、协同等多部门担任管理人员,后又出任广西金控资产管理有限公司董事长,国海证券董事等职务。2022年12月起,王海河担任国富人寿党委书记,2023年7月起担任国富人寿董事长。

  而江海河此番辞任国富人寿董事长,是因工作变动,目前,其已经出任国海证券党委书记,并被提名为董事候选人。

  代为履行董事长职权的江亚东则是一名“80后”,出生于1984年9月,现任广投集团人力资源部总经理、党委组织部/党委统战部部长、区直企业专职外部董事办公室主任。2024年10月起担任国富人寿董事。

  需要指出的是,作为新生代险企,国富人寿经营历史尚不足7年,却已三次更换董事长。该公司首任董事长为崔薇薇,其于2018年9月起履职,但仅仅过了一年,崔薇薇便辞职离去。2020年1月,国富人寿迎来第二任董事长唐咸历。

  唐咸历出生于1962年10月,未曾有保险业从业经历,其曾在广西大学任教,历任广西大学商学院、副教授。离开广西大学之后,唐咸历又先后在百色(县级)市、德保县工作。之后,唐咸历就去了广投集团任职,担任过广西华银铝业有限公司副总经理、广西北部湾银行股份有限公司工会主席等职务。担任国富人寿董事长三年多后,唐咸历于2022年12月提出离职。

  直到2023年7月,同样出身广投集团的王海河正式获批出任国富人寿第三任董事长。如今,履职不到两年的王海河迎来工作变动,也意味着,国富人寿将再次经历董事长的变更。

  北京大学中国保险与社会保障研究中心专家委员会委员朱俊生在接受《华夏时报》记者采访时曾表示:“战略的延续性是企业发展的根基,一般而言,一家公司的发展战略或者转型措施一旦确定,需要较长的时间去持续地经营推动,才能实现战略和转型目标,而高管的频繁变动,则有可能造成战略的不断变化以及经营思路的改变,不利于公司在审慎决策的基础上持续推动战略目标的实现。”

  一位资深保险业研究人士向本报记者表示:“不考虑长期履职到年龄上限的情况,并除去由于新出现的健康等个人的因素,频繁变更主要领导一般不利于企业发展,至少从事后看是不利的。因为企业人事及战略的多变,容易造成组织结构、考评标准、企业文化等方面的不稳定性,还会影响外部合作的持续性。”

  不过,国富人寿相关负责人告诉《华夏时报》记者,公司战略、经营发展规划由董事会成员集体研究,公司股东大会审批,均为集体决策,公司董事长变动不会对公司战略、经营造成影响。

  尽管高层震荡不断,国富人寿却在经营层面悄然创造惊喜。保险业素有“七平八盈”的说法,说的是作为投资回报期较长的金融业态,按照保险业发展的规律,一家新成立的保险公司,要经历漫长的亏损期,到成立的第7年才能做到盈亏平衡,第8年才能实现盈利。

  国富人寿成立于2018年6月,因偏居经济欠发达的广西,此前一直处于亏损状态。年报数据显示,2018年—2023年,该公司分别亏损1.19亿元、0.47亿元、0.66亿元、1.55亿元、4.44亿元、2.25亿元。

  令人欣喜的是,国富人寿打破了“七平八盈”的惯例,在2024年实现净利润1.59亿元,迎来了首年盈利。对于盈利原因,国富人寿相关负责人曾向本报记者表示,公司2024年度各项业绩指标达成情况良好,营业收入、财务投资收益率、综合投资收益率等均超额达成,同时费用支出有较大幅度下降。

  养老赛道谋突围

  虽然已经有6年多经营历史,但国富人寿可展业的地区并不多。目前,仅在广西壮族自治区、贵州省两地开展业务。“分支机构就是保险公司的腿,在某种意义上决定保险公司能够走多远,分支机构少会影响公司业务拓展、客户服务、风险管理和成本控制,尤其是不能在更广阔的空间分散保险公司聚拢的风险。”对外经济贸易大学保险学院教授王国军曾向本报记者说道。

  对此,国富人寿相关负责人向《华夏时报》记者表示,公司在努力夯实现有经营区域高质量发展,落实提质增效举措的基础上,积极探索拓展业务版图,开拓新的业务增长点。在充分调研省外保险市场,深入了解市场需求、竞争态势及政策环境的前提下,适时启动第三家省级分公司筹备与设立工作。

  业务半径的局限让国富人寿将目光放在了养老产业上。今年1月,该公司与广西老龄与养老服务协会、前海人寿(广西)医院有限公司等签订战略合作协议,在养老金融产品创新、服务模式探索、资源共享与信息交流等方面开展深度合作。

  对于布局养老产业的原因,国富人寿相关负责人向本报记者表示主要是基于三点,一是人口老龄化催生养老保障刚性需求。居民对养老保险、健康管理、长期护理等服务的需求激增。二是政策红利释放。国富人寿借势政策窗口期,布局养老业务符合监管导向。三是提升客户黏性与品牌价值。通过“保险+养老服务”模式,提升客户黏性,构建长期服务生态。

  谈及国富人寿在布局养老产业方面的优势,上述负责人称,作为寿险法人机构,公司具有专业的产品精算团队优势,可聚焦区域市场或细分客群快速推出定制化养老产品,设计差异化定价策略,提升产品竞争力。

  “还可依托广西区域优势及本土法人机构资源优势,积极探索保险+康养发展模式,通过整合本地化服务供应商资源,针对客户不同养老需求,推出包括医疗护理、康复护理、饮食起居等专业养老服务,满足多样化养老需求。”上述国富人寿相关负责人说道。

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