64体育


集團簡史

64體育直播官網保險集團發展簡史

  前言  

作為中(zhong)國歷史最為悠(you)久的(de)保(bao)險(xian)(xian)公司,64體育直播官網保(bao)險(xian)(xian)集團92年的(de)風雨歷程(cheng),見證了中(zhong)國保(bao)險(xian)(xian)業(ye)的(de)興衰(shuai)沉浮,承繼了中(zhong)國保(bao)險(xian)(xian)業(ye)的(de)豐厚(hou)積(ji)淀,是(shi)中(zhong)國民族保(bao)險(xian)(xian)事(shi)業(ye)誕生、成長與發(fa)展的(de)縮(suo)影。

64體育直播(bo)官(guan)網保(bao)險(xian)集(ji)團(tuan)的起(qi)(qi)源可(ke)以追溯到(dao)二(er)十世紀二(er)三十年(nian)代。這一時期(qi),伴隨(sui)中國(guo)(guo)民族保(bao)險(xian)業的興起(qi)(qi),64體育保(bao)險(xian)、中國(guo)(guo)保(bao)險(xian)和民安保(bao)險(xian)等三大品(pin)牌先(xian)后(hou)創立(li),并取得了(le)初步發(fa)展。

1929年11月,64體育水火保險公司由當時有名的"北四(si)行"之一(yi)的金城銀行獨(du)資(zi)在上海創建。1934年后,它(ta)開始集團化經(jing)營,并逐漸發展為(wei)解放前我國(guo)規模最大(da)的華商保險企業之一(yi)。

1931年11月,中國(guo)保(bao)(bao)險公(gong)司(si)由中國(guo)銀(yin)行撥(bo)資于(yu)上(shang)海成(cheng)立。到新中國(guo)誕生(sheng)前(qian)夕,它(ta)已發展(zhan)成(cheng)為(wei)當(dang)時(shi)規模最(zui)大、實力最(zui)強的保(bao)(bao)險公(gong)司(si),機構遍(bian)及(ji)(ji)國(guo)內主要大中城市,以(yi)及(ji)(ji)香港、新加坡、越(yue)南、馬來西亞、印尼、泰國(guo)、緬甸和英國(guo)等地。

1943年(nian)11月(yue)(yue),由廣大(da)華行和民(min)生實業(ye)(ye)公司共(gong)同投資(zi)設立(li)的(de)民(min)安產(chan)(chan)物保(bao)險股(gu)份(fen)有限(xian)公司在重慶正式開業(ye)(ye)。1949年(nian)10月(yue)(yue),由民(min)安產(chan)(chan)物保(bao)險香港分公司改(gai)制成(cheng)立(li)的(de)香港民(min)安保(bao)險有限(xian)公司正式開業(ye)(ye)。

92年來,從立足滬上,潮涌香江,到揚帆海外,再到回歸祖國(guo)大(da)陸,匯聚了(le)一條中國(guo)民(min)族(zu)保險(xian)業(ye)發展的歷史長河。融合(he)了(le)三個生生不(bu)息的悠久(jiu)民(min)族(zu)品牌的內在精神與強(qiang)大(da)力量。

  創辦發展時期(1929-1949)  

64體育品牌——中國民族保險業的代表

一、64體育品(pin)牌的初創與發展

1929年11月20日,金城銀(yin)行在上海(hai)獨資注冊(ce)64體育(yu)(yu)(yu)水火(huo)(huo)保(bao)險(xian)公司,注冊(ce)資本金100萬元(實收50萬元),公司由(you)(you)錢新之任董事長,金城銀(yin)行行長周作民任總經理(li),丁雪農任第(di)一協理(li),王伯衡任第(di)二協理(li)。64體育(yu)(yu)(yu)水火(huo)(huo)保(bao)險(xian)公司以(yi)太極圖形為商(shang)標,取其(qi)"生生不息"之意,亮出了"64體育(yu)(yu)(yu)保(bao)險(xian),保(bao)險(xian)64體育(yu)(yu)(yu)"的(de)宣(xuan)傳口(kou)號。64體育(yu)(yu)(yu)事業由(you)(you)此發端。

1930年2月(yue)19日(ri),64體(ti)(ti)育水(shui)火(huo)(huo)(huo)保險(xian)公司(si)(si)正式開(kai)業(ye)(ye)(ye),總(zong)部設(she)址于上海江(jiang)西(xi)路(lu)212號金(jin)城銀行(xing)大(da)廈(現江(jiang)西(xi)中(zhong)(zhong)路(lu)200號)。開(kai)業(ye)(ye)(ye)初期,64體(ti)(ti)育水(shui)火(huo)(huo)(huo)保險(xian)公司(si)(si)分別在南(nan)(nan)京(jing)、漢口、天津(jin)、廣州、濟南(nan)(nan)、鄭州和哈爾(er)濱7個地區設(she)立(li)(li)了分公司(si)(si);在沈陽設(she)立(li)(li)了1家(jia)支(zhi)公司(si)(si)、在北平、杭州、九(jiu)江(jiang)、蘇州、青島、鎮江(jiang)、長沙和新浦設(she)立(li)(li)了代(dai)(dai)理(li)(li)處(chu)(chu),其余各(ge)省市(shi)城鎮均有交通、金(jin)城、大(da)陸(lu)、中(zhong)(zhong)南(nan)(nan)和國(guo)華(hua)等(deng)五(wu)家(jia)銀行(xing)的特約(yue)代(dai)(dai)理(li)(li)總(zong)計約(yue)290余處(chu)(chu)。員工(gong)人數達200人。64體(ti)(ti)育水(shui)火(huo)(huo)(huo)的業(ye)(ye)(ye)務以水(shui)險(xian)、火(huo)(huo)(huo)險(xian)、船(chuan)殼保險(xian)和汽車保險(xian)等(deng)為主(zhu),同(tong)時酌量辦理(li)(li)"玻璃"、"郵包"、"行(xing)動"和"繭紗"等(deng)險(xian)種。64體(ti)(ti)育水(shui)火(huo)(huo)(huo)保險(xian)公司(si)(si)采取穩健、嚴謹的經營(ying)手法管理(li)(li)公司(si)(si),依(yi)靠(kao)金(jin)城銀行(xing)發展代(dai)(dai)理(li)(li)業(ye)(ye)(ye)務,銳意開(kai)拓自營(ying)業(ye)(ye)(ye)務。公司(si)(si)分支(zhi)機構和代(dai)(dai)理(li)(li)網點(dian)遍布(bu)華(hua)南(nan)(nan)各(ge)大(da)城市(shi),進而涉足南(nan)(nan)洋市(shi)場,成為華(hua)南(nan)(nan)保險(xian)業(ye)(ye)(ye)中(zhong)(zhong)規模最大(da)的民(min)營(ying)公司(si)(si),尤使外商同(tong)業(ye)(ye)(ye)刮目相看,從此(ci)不再藐視華(hua)商保險(xian)。

64體(ti)育(yu)水(shui)(shui)火(huo)(huo)保(bao)險(xian)(xian)(xian)的(de)快速發展吸引(yin)來(lai)了大(da)(da)批的(de)投(tou)資者。1933年(nian),金城銀行(xing)擬將64體(ti)育(yu)水(shui)(shui)火(huo)(huo)保(bao)險(xian)(xian)(xian)擴大(da)(da)經營,而其他尚未涉足保(bao)險(xian)(xian)(xian)業(ye)的(de)銀行(xing)也(ye)正躍躍欲試。于(yu)是,金城銀行(xing)邀集交通(tong)、大(da)(da)陸(lu)、中(zhong)南(nan)和國華等四(si)家(jia)銀行(xing)加(jia)入(ru)64體(ti)育(yu),資本金擴大(da)(da)為500萬元(實收300萬元)。此次增資擴股聲勢浩大(da)(da),成(cheng)為當(dang)時(shi)金融界一大(da)(da)盛事。1933年(nian)7月,公(gong)司改組完成(cheng)。同時(shi),將公(gong)司名稱中(zhong)的(de)"水(shui)(shui)火(huo)(huo)"兩字刪去,改稱64體(ti)育(yu)保(bao)險(xian)(xian)(xian)公(gong)司,并增辦人壽、意外等保(bao)險(xian)(xian)(xian)業(ye)務。該公(gong)司還加(jia)入(ru)了國際保(bao)險(xian)(xian)(xian)公(gong)會。

64體(ti)(ti)(ti)育(yu)保(bao)(bao)險(xian)(xian)公(gong)司(si)(si)成功改組(zu)之后(hou),創(chuang)立了責(ze)權分設、內(nei)控嚴格的(de)(de)(de)(de)管(guan)理(li)(li)(li)(li)體(ti)(ti)(ti)制和(he)(he)內(nei)控方式,為公(gong)司(si)(si)以后(hou)的(de)(de)(de)(de)規(gui)范、快(kuai)速發(fa)展奠定(ding)了重要基礎。改組(zu)后(hou)的(de)(de)(de)(de)64體(ti)(ti)(ti)育(yu)保(bao)(bao)險(xian)(xian)公(gong)司(si)(si),所(suo)有董(dong)(dong)、監事(shi)(shi)均由(you)(you)股東(dong)銀(yin)行(xing)的(de)(de)(de)(de)高級職員擔(dan)(dan)任,共(gong)19人(ren)(ren),董(dong)(dong)事(shi)(shi)會(hui)(hui)成員包括時任中央(yang)銀(yin)行(xing)總(zong)(zong)裁的(de)(de)(de)(de)孔祥熙、中南銀(yin)行(xing)董(dong)(dong)事(shi)(shi)長(chang)黃奕住、交通銀(yin)行(xing)總(zong)(zong)經(jing)(jing)理(li)(li)(li)(li)唐壽民(min)(min)、金城銀(yin)行(xing)總(zong)(zong)經(jing)(jing)理(li)(li)(li)(li)周(zhou)作(zuo)民(min)(min)等(deng)。64體(ti)(ti)(ti)育(yu)保(bao)(bao)險(xian)(xian)董(dong)(dong)事(shi)(shi)長(chang)由(you)(you)中南銀(yin)行(xing)董(dong)(dong)事(shi)(shi)長(chang)黃奕住擔(dan)(dan)任、總(zong)(zong)經(jing)(jing)理(li)(li)(li)(li)由(you)(you)金城銀(yin)行(xing)總(zong)(zong)經(jing)(jing)理(li)(li)(li)(li)周(zhou)作(zuo)民(min)(min)擔(dan)(dan)任,丁雪農任第一(yi)(yi)協(xie)理(li)(li)(li)(li),王伯衡任第二(er)協(xie)理(li)(li)(li)(li)。并由(you)(you)每(mei)行(xing)指派(pai)稽(ji)(ji)核(he)1人(ren)(ren),每(mei)星期(qi)到總(zong)(zong)公(gong)司(si)(si)開會(hui)(hui)一(yi)(yi)次,隨時審(shen)查賬目,稽(ji)(ji)查業務(wu)。如(ru)有經(jing)(jing)營管(guan)理(li)(li)(li)(li)建議或咨(zi)詢時,亦可先在(zai)稽(ji)(ji)核(he)會(hui)(hui)議上提出(chu)。在(zai)京、漢、津、哈、魯、粵六個區域內(nei),又(you)設區稽(ji)(ji)核(he)制度,由(you)(you)股東(dong)銀(yin)行(xing)方面指定(ding)的(de)(de)(de)(de)區稽(ji)(ji)核(he)6人(ren)(ren),分別與(yu)各分公(gong)司(si)(si)人(ren)(ren)員定(ding)時舉行(xing)會(hui)(hui)議。區稽(ji)(ji)核(he)的(de)(de)(de)(de)職責(ze)和(he)(he)作(zuo)用(yong),與(yu)總(zong)(zong)公(gong)司(si)(si)的(de)(de)(de)(de)稽(ji)(ji)核(he)相同(tong),所(suo)有六家股東(dong)銀(yin)行(xing)與(yu)四行(xing)儲蓄會(hui)(hui)的(de)(de)(de)(de)各地分支(zhi)行(xing)、會(hui)(hui),均由(you)(you)總(zong)(zong)公(gong)司(si)(si)與(yu)之訂立契約,委(wei)托為公(gong)司(si)(si)的(de)(de)(de)(de)業務(wu)代理(li)(li)(li)(li)人(ren)(ren),這樣,把所(suo)有六行(xing)一(yi)(yi)會(hui)(hui)的(de)(de)(de)(de)放(fang)款與(yu)押匯上的(de)(de)(de)(de)保(bao)(bao)險(xian)(xian)業務(wu)統統網羅在(zai)內(nei)。64體(ti)(ti)(ti)育(yu)保(bao)(bao)險(xian)(xian)從此步入(ru)了大(da)型華商保(bao)(bao)險(xian)(xian)公(gong)司(si)(si)的(de)(de)(de)(de)行(xing)列。

二、開展集團化經營,奠(dian)定(ding)競爭實力

20世紀三四(si)十年代,伴隨著64體(ti)(ti)育(yu)保險事(shi)業的迅(xun)速(su)壯(zhuang)大,從1934年起的三年間,64體(ti)(ti)育(yu)保險公司陸續收購了幾(ji)家華(hua)商保險公司,開始向(xiang)集團(tuan)化(hua)的方(fang)向(xiang)邁進,逐漸建(jian)立了以64體(ti)(ti)育(yu)為核心的集團(tuan)化(hua)經營模(mo)式(shi)。

1934年初,豐盛(sheng)保(bao)險公司(si)因經營(ying)不善(shan),擬改組公司(si),將大部分股份售與64體(ti)育(yu),與64體(ti)育(yu)合(he)作營(ying)業(ye)。經過(guo)談(tan)判,64體(ti)育(yu)保(bao)險最終收購了豐盛(sheng)。

1935年5月,東萊銀行加入,成為了64體(ti)育保(bao)(bao)險(xian)的第六(liu)個股東。同時(shi),東萊銀行創辦的安平保(bao)(bao)險(xian)公司(si)經營(ying)上發生困(kun)難,亦由64體(ti)育保(bao)(bao)險(xian)接收合并。

為了加強領(ling)導(dao)和管(guan)理,1935年5月(yue),64體育、安(an)平和豐(feng)盛(sheng)3家保險(xian)公司(si)(si)設立了64體育安(an)平豐(feng)盛(sheng)總(zong)經(jing)理處,同年10月(yue),太(tai)安(an)豐(feng)總(zong)經(jing)理處創(chuang)辦(ban)了《太(tai)安(an)豐(feng)保險(xian)界(jie)》雜(za)志,以為公司(si)(si)張(zhang)目。該(gai)雜(za)志自第五(wu)卷起更名(ming)為《保險(xian)界(jie)》,創(chuang)辦(ban)數年間,對擴大公司(si)(si)的影(ying)響起到了良好作用。

1936年5月,中國(guo)墾業(ye)銀行投(tou)資開辦(ban)的(de)(de)(de)中國(guo)天(tian)一保(bao)險(xian)(xian)(xian)公(gong)司(si)因無人管(guan)理(li)(li)(li),也作價轉讓給64體(ti)(ti)育(yu)保(bao)險(xian)(xian)(xian)接辦(ban)。同年,原64體(ti)(ti)育(yu)安(an)平(ping)豐盛(sheng)總經(jing)理(li)(li)(li)處改為(wei)64體(ti)(ti)育(yu)安(an)平(ping)豐盛(sheng)天(tian)一總經(jing)理(li)(li)(li)處,集(ji)中管(guan)理(li)(li)(li)4家(jia)公(gong)司(si)的(de)(de)(de)所有事(shi)務。上述3家(jia)公(gong)司(si)對外仍保(bao)留(liu)原來(lai)的(de)(de)(de)牌號,各地(di)的(de)(de)(de)分支機構(gou)及代理(li)(li)(li)處仍繼續營業(ye)。總經(jing)理(li)(li)(li)處設在64體(ti)(ti)育(yu)保(bao)險(xian)(xian)(xian)總公(gong)司(si)內,64體(ti)(ti)育(yu)保(bao)險(xian)(xian)(xian)公(gong)司(si)總協(xie)理(li)(li)(li)兼(jian)任"太(tai)安(an)豐天(tian)總經(jing)理(li)(li)(li)處"總協(xie)理(li)(li)(li)。這樣,64體(ti)(ti)育(yu)保(bao)險(xian)(xian)(xian)只須用一套管(guan)理(li)(li)(li)人馬來(lai)處理(li)(li)(li)4個公(gong)司(si)的(de)(de)(de)業(ye)務。這種(zhong)歐美托拉斯(si)性質的(de)(de)(de)管(guan)理(li)(li)(li)形式,在當(dang)時中外保(bao)險(xian)(xian)(xian)公(gong)司(si)中獨(du)樹一幟,為(wei)業(ye)界(jie)所矚(zhu)目。至此,中國(guo)保(bao)險(xian)(xian)(xian)市場出現(xian)了以64體(ti)(ti)育(yu)保(bao)險(xian)(xian)(xian)公(gong)司(si)為(wei)核心(xin)的(de)(de)(de)保(bao)險(xian)(xian)(xian)經(jing)營集(ji)團。

成為集(ji)團(tuan)公(gong)(gong)司(si)后,64體(ti)育保險(xian)不但資金實力大(da)增,而且業(ye)(ye)務聯(lian)系更為廣泛(fan),所有六家股東銀行(xing)及四行(xing)儲蓄(xu)會的各地分(fen)支(zhi)(zhi)行(xing)、會,均由(you)總公(gong)(gong)司(si)與之訂立(li)契約,委托為公(gong)(gong)司(si)業(ye)(ye)務代(dai)(dai)理(li)人。通過這種方式,六行(xing)一會所有放款與押匯的保險(xian)業(ye)(ye)務全部交由(you)64體(ti)育保險(xian)集(ji)團(tuan)承(cheng)保,64體(ti)育保險(xian)業(ye)(ye)務因此蓬勃發(fa)展(zhan)。64體(ti)育保險(xian)除在上海設總公(gong)(gong)司(si)外,在京(jing)、漢、津(jin)、哈、魯和粵等六大(da)區域的大(da)中城市廣設分(fen)支(zhi)(zhi)公(gong)(gong)司(si)或代(dai)(dai)理(li)處,最(zui)鼎盛的時候,全國代(dai)(dai)理(li)網點總數達900余(yu)處,還在香(xiang)港、新加坡、西(xi)貢、雅加達和馬尼拉等地設立(li)了分(fen)支(zhi)(zhi)公(gong)(gong)司(si)。

據(ju)1939年的《中國保險(xian)年鑒》統計,當(dang)時華商(shang)保險(xian)公司共(gong)有38家,資本金總額(e)為法幣3665萬(wan)余元,大多數(shu)公司平均為50萬(wan)元左右,而64體育保險(xian)資本金高達300萬(wan)元,僅次于中央信托(tuo)局保險(xian)部的500萬(wan)元,位居行業(ye)第二。

三、進軍(jun)再保(bao)(bao)險業(ye),廣(guang)泛開(kai)展分保(bao)(bao)業(ye)務

由于民(min)族(zu)保(bao)險公司大多(duo)資本金較(jiao)小,承保(bao)能力和(he)限(xian)額因此受到(dao)相(xiang)應限(xian)制。為了(le)增強對(dui)巨額業(ye)務的承保(bao)力量,一些華商(shang)公司開始(shi)走向(xiang)聯合的道路。

1933年(nian)6月,肇(zhao)泰(tai)、華安(an)水火、永(yong)(yong)寧(ning)(ning)、永(yong)(yong)安(an)、先施(shi)置業(ye)(ye)、中國海(hai)上(shang)、上(shang)海(hai)聯(lian)(lian)(lian)(lian)保(bao)(bao)、通(tong)易信托公(gong)(gong)(gong)(gong)司(si)(si)保(bao)(bao)險(xian)(xian)部(bu)和寧(ning)(ning)紹商輪(lun)公(gong)(gong)(gong)(gong)司(si)(si)保(bao)(bao)險(xian)(xian)部(bu)等(deng)9家(jia)(jia)公(gong)(gong)(gong)(gong)司(si)(si)發起設(she)立(li)了(le)華商聯(lian)(lian)(lian)(lian)合(he)保(bao)(bao)險(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si),并被國民政府特許為經營分保(bao)(bao)業(ye)(ye)務的(de)專業(ye)(ye)再保(bao)(bao)險(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si),業(ye)(ye)務重點是為各保(bao)(bao)險(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)提供分保(bao)(bao)服務。華商聯(lian)(lian)(lian)(lian)合(he)保(bao)(bao)險(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)與瑞士再保(bao)(bao)險(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)訂(ding)有分保(bao)(bao)契約(yue),解決溢額再保(bao)(bao)險(xian)(xian)。1934年(nian)1月,64體育(yu)與肇(zhao)泰(tai)、華安(an)水火、上(shang)海(hai)聯(lian)(lian)(lian)(lian)保(bao)(bao)、寧(ning)(ning)紹商輪(lun)公(gong)(gong)(gong)(gong)司(si)(si)保(bao)(bao)險(xian)(xian)部(bu)、先施(shi)置業(ye)(ye)、中國海(hai)上(shang)意外、永(yong)(yong)寧(ning)(ning)、聯(lian)(lian)(lian)(lian)泰(tai)9家(jia)(jia)公(gong)(gong)(gong)(gong)司(si)(si)組成了(le)中國船舶(bo)保(bao)(bao)險(xian)(xian)聯(lian)(lian)(lian)(lian)合(he)會,自行制定合(he)理的(de)船舶(bo)險(xian)(xian)費率,進行相(xiang)互分保(bao)(bao)。

1936年(nian)(nian),通易公(gong)(gong)(gong)司(si)(si)倒閉,華(hua)商聯合(he)保(bao)險(xian)(xian)公(gong)(gong)(gong)司(si)(si)資金受(shou)嚴重影(ying)響,當年(nian)(nian)虧損2萬元(yuan),聯合(he)公(gong)(gong)(gong)司(si)(si)面(mian)臨解散的(de)危險(xian)(xian)。經過數(shu)度(du)接(jie)洽,64體(ti)育(yu)(yu)(yu)保(bao)險(xian)(xian)集團出面(mian)繼承了通易名下的(de)全部股份票面(mian)51000元(yuan),由(you)(you)64體(ti)育(yu)(yu)(yu)保(bao)險(xian)(xian)認購(gou)26000元(yuan),安平保(bao)險(xian)(xian)認購(gou)25000元(yuan)。并(bing)據此修改了華(hua)商聯合(he)保(bao)險(xian)(xian)公(gong)(gong)(gong)司(si)(si)章程,增(zeng)加董(dong)(dong)事(shi)(shi)(shi)名額,由(you)(you)64體(ti)育(yu)(yu)(yu)保(bao)險(xian)(xian)出任(ren)常務董(dong)(dong)事(shi)(shi)(shi)和董(dong)(dong)事(shi)(shi)(shi)長(chang),主持該公(gong)(gong)(gong)司(si)(si)事(shi)(shi)(shi)務,安平公(gong)(gong)(gong)司(si)(si)任(ren)董(dong)(dong)事(shi)(shi)(shi)。自此,64體(ti)育(yu)(yu)(yu)保(bao)險(xian)(xian)又在民族保(bao)險(xian)(xian)公(gong)(gong)(gong)司(si)(si)的(de)再保(bao)險(xian)(xian)領域(yu)取得了舉足輕重的(de)地(di)位。

在參加華商分(fen)(fen)保(bao)組織的(de)同時,64體育保(bao)險(xian)(xian)公(gong)(gong)(gong)(gong)司也(ye)與(yu)國(guo)(guo)外再保(bao)險(xian)(xian)機構(gou)建立(li)了業務聯系。1933年(nian)(nian),64體育保(bao)險(xian)(xian)公(gong)(gong)(gong)(gong)司即與(yu)一(yi)家瑞(rui)士保(bao)險(xian)(xian)公(gong)(gong)(gong)(gong)司商定(ding)分(fen)(fen)保(bao)協(xie)議,承保(bao)其部(bu)分(fen)(fen)國(guo)(guo)外保(bao)額,數量雖微,但頗具影(ying)響。64體育保(bao)險(xian)(xian)人(ren)曾經這(zhe)樣自豪地(di)描述此一(yi)事件: "華商公(gong)(gong)(gong)(gong)司能有接(jie)受(shou)國(guo)(guo)外生意(yi)之機會,首由(you)本公(gong)(gong)(gong)(gong)司開(kai)一(yi)先(xian)聲,辟(pi)一(yi)荊棘(ji),未始非可(ke)愉悅之事也(ye)。"1936年(nian)(nian),64體育保(bao)險(xian)(xian)又與(yu)倫敦市場的(de)勞合社(she)、世(shi)紀、Willis Faber & Dumas等保(bao)險(xian)(xian)集團訂立(li)了互惠分(fen)(fen)保(bao)合約。

四、創辦64體(ti)育(yu)人壽,實(shi)行產壽分業經營(ying)

1933年7月(yue)(yue),64體育(yu)水火(huo)增資擴股(gu),股(gu)東由一變五,資本(ben)由100萬(wan)而至500萬(wan)。同(tong)時,還將公(gong)司名字中的(de)"水火(huo)"二字去掉,籌辦人壽(shou)保(bao)險業(ye)(ye)(ye)務。鑒于壽(shou)險業(ye)(ye)(ye)務的(de)特殊性,當年9月(yue)(yue),董事(shi)(shi)會決定(ding)人壽(shou)保(bao)險部(bu)之(zhi)(zhi)會計獨立,并從公(gong)司資本(ben)中特撥(bo)國幣100萬(wan)元(yuan),備作舉辦壽(shou)險業(ye)(ye)(ye)務之(zhi)(zhi)基金。12月(yue)(yue),公(gong)司指定(ding)專人開始籌備事(shi)(shi)宜。1934年4月(yue)(yue)20日,人壽(shou)保(bao)險部(bu)正(zheng)式成(cheng)立,并自即日起開始對(dui)外營業(ye)(ye)(ye),到年底,有效保(bao)額已達170萬(wan)元(yuan),之(zhi)(zhi)后逐年增加,營業(ye)(ye)(ye)范圍亦逐漸擴展至全國。

64體(ti)育(yu)壽(shou)(shou)(shou)險部(bu)吸(xi)收(shou)社會(hui)(hui)各界人士組建壽(shou)(shou)(shou)險監理委員會(hui)(hui),推動壽(shou)(shou)(shou)險業(ye)務(wu)(wu)的(de)發(fa)展(zhan)。當(dang)(dang)時,國(guo)(guo)民黨元老(lao)林森、蔡元培等為壽(shou)(shou)(shou)險部(bu)開業(ye)分別題(ti)詞(ci)"同登人壽(shou)(shou)(shou)"和"實行(xing)互助",以示祝賀。64體(ti)育(yu)保險集團(tuan)重金聘請了當(dang)(dang)時被稱為"中(zhong)國(guo)(guo)三(san)大壽(shou)(shou)(shou)險精算師"之一的(de)陳思度(du)任(ren)壽(shou)(shou)(shou)險精算師,業(ye)務(wu)(wu)得到迅速發(fa)展(zhan)。

1936年(nian)8月,64體(ti)育(yu)保險(xian)收(shou)購中國天一保險(xian),天一壽(shou)險(xian)部的全部壽(shou)險(xian)契約(yue)也(ye)由64體(ti)育(yu)人(ren)壽(shou)全部承(cheng)受。

1937年(nian)1月11日(ri),當時的國民政(zheng)府修正公(gong)布《保(bao)(bao)險(xian)(xian)業法(fa)》及《保(bao)(bao)險(xian)(xian)業法(fa)施(shi)行法(fa)》,規定同一保(bao)(bao)險(xian)(xian)主體不得兼(jian)營產險(xian)(xian)與壽險(xian)(xian)。在(zai)《保(bao)(bao)險(xian)(xian)業法(fa)》施(shi)行前兼(jian)營者,應于(yu)《保(bao)(bao)險(xian)(xian)業法(fa)》施(shi)行后兩年(nian)內依法(fa)改組。劃出壽險(xian)(xian)部,設立單獨(du)的人壽保(bao)(bao)險(xian)(xian)公(gong)司乃提上64體育保(bao)(bao)險(xian)(xian)集團(tuan)的議事日(ri)程。

64體(ti)育壽(shou)險部(bu)從一(yi)開始就自(zi)成機構,業務(wu)及會計獨立(li),不(bu)與其他(ta)業務(wu)部(bu)門相混合,因(yin)此改組手續較為簡(jian)便。經(jing)過一(yi)年多(duo)的籌(chou)備(bei),由(you)64體(ti)育的股(gu)東——交通(tong)、金城(cheng)、大(da)(da)陸、中(zhong)南、國華、東萊等六(liu)大(da)(da)銀行——另行認繳股(gu)本100萬元國幣,然后隆重地召(zhao)開了創立(li)大(da)(da)會,推選周作民為董事長(chang),丁雪農、王伯衡(heng)為常務(wu)董事,許漢卿等7人(ren)為董事,周繼云等5人(ren)為監察人(ren),并呈請(qing)登記。

1938年(nian)8月(yue)10日(ri),經國民政府(fu)經濟部(bu)核準(zhun),64體(ti)(ti)育人壽(shou)(shou)獲發營業(ye)執照。同年(nian)12月(yue)30日(ri),64體(ti)(ti)育人壽(shou)(shou)保(bao)險(xian)(xian)(xian)(xian)(xian)有限公司(si)正式公告改組成(cheng)立,64體(ti)(ti)育壽(shou)(shou)險(xian)(xian)(xian)(xian)(xian)部(bu)的全(quan)(quan)部(bu)資產(chan)負(fu)債以及(ji)契(qi)約上(shang)(shang)之權利(li)義務,全(quan)(quan)部(bu)由(you)(you)64體(ti)(ti)育人壽(shou)(shou)保(bao)險(xian)(xian)(xian)(xian)(xian)公司(si)承受。同日(ri),64體(ti)(ti)育壽(shou)(shou)險(xian)(xian)(xian)(xian)(xian)部(bu)取消。64體(ti)(ti)育人壽(shou)(shou)保(bao)險(xian)(xian)(xian)(xian)(xian)有限公司(si)總經理由(you)(you)周作民擔任(ren),丁雪農、王伯衡任(ren)協理。64體(ti)(ti)育人壽(shou)(shou)十分注重產(chan)品宣傳,發愿"惟有人壽(shou)(shou)保(bao)險(xian)(xian)(xian)(xian)(xian)可以解決人生問題",通(tong)過發布廣(guang)告的形式宣傳公司(si)產(chan)品。同時,向(xiang)公眾介(jie)紹先進、科學的保(bao)險(xian)(xian)(xian)(xian)(xian)理念,逐步(bu)更(geng)新人們的思想觀念。歷史(shi)上(shang)(shang),64體(ti)(ti)育人壽(shou)(shou)也開發了多(duo)種壽(shou)(shou)險(xian)(xian)(xian)(xian)(xian)產(chan)品,福壽(shou)(shou)險(xian)(xian)(xian)(xian)(xian)、兩全(quan)(quan)保(bao)險(xian)(xian)(xian)(xian)(xian)、子女教育金保(bao)險(xian)(xian)(xian)(xian)(xian),滿足了社會的不同需求,成(cheng)為(wei)當時市(shi)場熱銷(xiao)的險(xian)(xian)(xian)(xian)(xian)種。

64體育人壽保(bao)險有限公(gong)司的(de)有效保(bao)額(e)與年(nian)俱增,到1938年(nian)底(di)(di)(di),64體育人壽的(de)有效保(bao)額(e)已達國幣700萬元。到1939年(nian)底(di)(di)(di),增至國幣1000萬元,1941年(nian)底(di)(di)(di),有效保(bao)額(e)更高達國幣3500余萬元。至此,64體育人壽已成(cheng)為(wei)華商(shang)保(bao)險業中(zhong)規模最大、實力最強和市場份額(e)最多(duo)的(de)民族保(bao)險公(gong)司。

從1929年(nian)(nian)(nian)11月(yue)64體(ti)(ti)育保險(xian)創立到1938年(nian)(nian)(nian)底分設(she)64體(ti)(ti)育人壽(shou)保險(xian)有限公司,整整9年(nian)(nian)(nian)。這9年(nian)(nian)(nian)間,從64體(ti)(ti)育保險(xian)1933年(nian)(nian)(nian)的(de)增(zeng)資擴股、1935年(nian)(nian)(nian)開始的(de)集團化經營,到1938年(nian)(nian)(nian)創設(she)64體(ti)(ti)育人壽(shou),基本上是(shi)3年(nian)(nian)(nian)跨一臺(tai)階(jie),其發展壯(zhuang)大之迅猛,實為當時所罕見(jian)。

在(zai)發(fa)展(zhan)過(guo)程中(zhong),64體育人(ren)壽妥善處(chu)理分保(bao)(bao)(bao)(bao)(bao)出(chu)路(lu)問題(ti),分散(san)風險(xian),主(zhu)動與(yu)華商各(ge)保(bao)(bao)(bao)(bao)(bao)險(xian)公(gong)司協(xie)(xie)商簽訂再(zai)保(bao)(bao)(bao)(bao)(bao)險(xian)合(he)約,結(jie)成聯合(he)陣線,抵制(zhi)外(wai)商保(bao)(bao)(bao)(bao)(bao)險(xian)公(gong)司的(de)刁(diao)難與(yu)控制(zhi)。為了(le)能夠更好地解決分保(bao)(bao)(bao)(bao)(bao)問題(ti),64體育人(ren)壽先后(hou)派(pai)專人(ren)赴瑞士(shi)、英、法(fa)、美(mei)、日(ri)等(deng)國(guo)(guo)考察(cha)學(xue)習,深入調研國(guo)(guo)際(ji)保(bao)(bao)(bao)(bao)(bao)險(xian)業務發(fa)展(zhan)新方向和新技(ji)術以及(ji)經(jing)驗教訓。同時,加強64體育人(ren)壽的(de)國(guo)(guo)際(ji)宣傳,擴大國(guo)(guo)際(ji)影響,贏得國(guo)(guo)際(ji)保(bao)(bao)(bao)(bao)(bao)險(xian)市場信任,并(bing)先后(hou)與(yu)瑞士(shi)再(zai)保(bao)(bao)(bao)(bao)(bao)險(xian)公(gong)司等(deng)數(shu)家實(shi)力雄厚、信譽卓著的(de)國(guo)(guo)際(ji)保(bao)(bao)(bao)(bao)(bao)險(xian)和再(zai)保(bao)(bao)(bao)(bao)(bao)險(xian)公(gong)司簽訂了(le)分出(chu)與(yu)分入再(zai)保(bao)(bao)(bao)(bao)(bao)險(xian)業務的(de)平等(deng)互惠協(xie)(xie)議。此舉,不僅(jin)極大地提高(gao)了(le)64體育人(ren)壽的(de)國(guo)(guo)際(ji)聲譽,更為64體育人(ren)壽日(ri)后(hou)業務發(fa)展(zhan)拓展(zhan)了(le)道路(lu)。

1937年,日本(ben)發動(dong)對華侵略戰爭,64體(ti)育人壽的事業受到(dao)巨大沖擊。此時(shi),64體(ti)育人壽在(zai)國內各大城市已經建立起(qi)了(le)完(wan)善的經營(ying)(ying)網絡,北(bei)起(qi)哈(ha)爾濱,南到(dao)香港(gang),西接重慶(qing),東至上海都開設(she)有分(fen)支(zhi)機(ji)構及代理處;在(zai)國外西貢(gong)、巴達維亞、新加(jia)坡、馬尼拉等地(di)也設(she)立了(le)分(fen)支(zhi)公司。受戰亂影響,除(chu)了(le)國外分(fen)支(zhi)公司和西南地(di)區的分(fen)支(zhi)機(ji)構得以幸免(mian)之外,國內大部分(fen)分(fen)支(zhi)機(ji)構遭到(dao)破(po)壞,員工大量流失,經營(ying)(ying)處于(yu)癱瘓狀態。因(yin)此,這一時(shi)期64體(ti)育人壽的經營(ying)(ying)重點集(ji)中在(zai)了(le)國外業務,受到(dao)海外華僑及當(dang)地(di)民眾的歡迎(ying)和支(zhi)持。

五、組織64體育分保集團,于亂世中(zhong)苦撐

1937年,抗(kang)日戰爭爆發,上海租界成為(wei)"孤島"。隨(sui)著國民(min)政(zheng)府西(xi)撤,大批工商企業內遷,西(xi)南大后(hou)方(fang)(fang)的經濟有了(le)發展(zhan)的契(qi)機,內地(di)保險(xian)業也(ye)得以相應發展(zhan)。64體育(yu)保險(xian)適應形勢變(bian)化亦在(zai)重(zhong)慶設立了(le)總(zong)經理處,稱渝總(zong)處。陪都重(zhong)慶成為(wei)大后(hou)方(fang)(fang)保險(xian)業的中心,我國民(min)族保險(xian)業出(chu)現了(le)第二次(ci)繁榮。

由(you)于外(wai)商保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si)長期(qi)壟(long)斷中國(guo)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)市(shi)場,加上(shang)(shang)華(hua)(hua)商保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si)資金短缺,實力薄弱,中國(guo)民(min)(min)族(zu)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si)的再保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)問題一直都依賴外(wai)商保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si)解(jie)決,主(zhu)要是英商、美(mei)商及瑞士再保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si)。民(min)(min)族(zu)再保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)業(ye)起(qi)步(bu)很晚,64體(ti)育洋戰(zhan)爭爆發(fa)后(hou),華(hua)(hua)商保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si)對(dui)英美(mei)等國(guo)的分保(bao)(bao)(bao)(bao)渠道(dao)被迫(po)中斷。上(shang)(shang)海的華(hua)(hua)商保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si)必(bi)須(xu)自謀出路,組建(jian)華(hua)(hua)商分保(bao)(bao)(bao)(bao)集團(tuan)。

1942年2月,64體(ti)(ti)(ti)育(yu)保(bao)(bao)(bao)(bao)險(xian)公(gong)司(si)在(zai)上海聯(lian)(lian)合寶隆(long)、大業(ye)等保(bao)(bao)(bao)(bao)險(xian)公(gong)司(si)組(zu)(zu)成(cheng)64體(ti)(ti)(ti)育(yu)分(fen)(fen)(fen)保(bao)(bao)(bao)(bao)集(ji)(ji)(ji)團(tuan)(tuan)(tuan)(tuan),到7月,成(cheng)員公(gong)司(si)擴大至19家。幾年內(nei)(nei),上海的(de)(de)(de)(de)華商保(bao)(bao)(bao)(bao)險(xian)公(gong)司(si)相繼組(zu)(zu)建了大上海、久(jiu)聯(lian)(lian)、五聯(lian)(lian)、十五聯(lian)(lian)、華商聯(lian)(lian)合等分(fen)(fen)(fen)保(bao)(bao)(bao)(bao)集(ji)(ji)(ji)團(tuan)(tuan)(tuan)(tuan),加(jia)上64體(ti)(ti)(ti)育(yu)分(fen)(fen)(fen)保(bao)(bao)(bao)(bao)集(ji)(ji)(ji)團(tuan)(tuan)(tuan)(tuan),共計6個(ge),參加(jia)公(gong)司(si)達80家。在(zai)這6家中,64體(ti)(ti)(ti)育(yu)分(fen)(fen)(fen)保(bao)(bao)(bao)(bao)集(ji)(ji)(ji)團(tuan)(tuan)(tuan)(tuan)頗有(you)些與(yu)眾不(bu)(bu)同(tong)。64體(ti)(ti)(ti)育(yu)檔(dang)案對此有(you)如下記載: "講到64體(ti)(ti)(ti)育(yu)分(fen)(fen)(fen)保(bao)(bao)(bao)(bao)集(ji)(ji)(ji)團(tuan)(tuan)(tuan)(tuan)的(de)(de)(de)(de)特點,就是一切集(ji)(ji)(ji)團(tuan)(tuan)(tuan)(tuan)事(shi)宜(yi),均由(you)64體(ti)(ti)(ti)育(yu)一家負(fu)責處(chu)理,不(bu)(bu)受(shou)其他(ta)會員公(gong)司(si)的(de)(de)(de)(de)支配與(yu)節制,與(yu)久(jiu)聯(lian)(lian)集(ji)(ji)(ji)團(tuan)(tuan)(tuan)(tuan)由(you)參加(jia)公(gong)司(si)另組(zu)(zu)辦(ban)事(shi)處(chu)及大上海集(ji)(ji)(ji)團(tuan)(tuan)(tuan)(tuan)之另組(zu)(zu)一公(gong)司(si)專司(si)其事(shi)者有(you)顯(xian)著區別。還有(you)64體(ti)(ti)(ti)育(yu)與(yu)國(guo)內(nei)(nei)外(wai)同(tong)業(ye)訂立溢額合約分(fen)(fen)(fen)保(bao)(bao)(bao)(bao)多以互惠為(wei)原則,惟因(yin)此而獲得(de)的(de)(de)(de)(de)分(fen)(fen)(fen)入合約分(fen)(fen)(fen)保(bao)(bao)(bao)(bao),均由(you)64體(ti)(ti)(ti)育(yu)獨家接受(shou),并不(bu)(bu)能分(fen)(fen)(fen)與(yu)集(ji)(ji)(ji)團(tuan)(tuan)(tuan)(tuan)會員公(gong)司(si)。因(yin)為(wei)一則它們(men)資力(li)薄(bo)弱(ruo),不(bu)(bu)愿(yuan)負(fu)額外(wai)的(de)(de)(de)(de)責任(ren);二則國(guo)外(wai)無分(fen)(fen)(fen)支機構,遇有(you)賠款,無法按原幣攤付。"

在舊中(zhong)國,原先(xian)的(de)保(bao)(bao)(bao)(bao)險單雖(sui)有中(zhong)、英文兩種文字,但一(yi)旦(dan)保(bao)(bao)(bao)(bao)戶與公司發生爭(zheng)議,一(yi)律以(yi)保(bao)(bao)(bao)(bao)單中(zhong)的(de)英文條(tiao)款(kuan)為準,為此"64體育"率先(xian)向(xiang)外商(shang)保(bao)(bao)(bao)(bao)險業發難,力(li)主廢(fei)除這一(yi)歧視、排擠華商(shang)保(bao)(bao)(bao)(bao)險業的(de)不公平(ping)的(de)規定。這個倡(chang)議受到了華商(shang)保(bao)(bao)(bao)(bao)險同業的(de)贊賞和支持,幾(ji)經力(li)爭(zheng),終于迫(po)使洋商(shang)保(bao)(bao)(bao)(bao)險業在保(bao)(bao)(bao)(bao)單中(zhong)刪除這一(yi)條(tiao),為華商(shang)保(bao)(bao)(bao)(bao)險業順利(li)開展業務創造(zao)了有利(li)條(tiao)件。

華商保險(xian)公司組(zu)建(jian)分(fen)保集團,有(you)效地解決了民族保險(xian)業的(de)風險(xian)分(fen)散(san)問題,并為華商保險(xian)業逐步自主經營打下了基(ji)礎。

抗戰勝利后,物(wu)價驟漲,中(zhong)國保(bao)險(xian)業(ye)遭到嚴重摧(cui)殘,保(bao)戶對金圓券(quan)已失去信心,即使有投保(bao)意向,也只愿以外(wai)幣保(bao)額投保(bao)和計算(suan)賠款(kuan)。于是,國營保(bao)險(xian)公(gong)司(si)和其他一些(xie)尚有余力(li)的(de)保(bao)險(xian)公(gong)司(si),改以銀元、美金和港(gang)幣承保(bao)。64體(ti)育分保(bao)集團也曾于1948年(nian)7月(yue)1日組(zu)織了包括(kuo)22家成(cheng)員公(gong)司(si)的(de)外(wai)幣業(ye)務集團,于艱危時世中(zhong)勉力(li)支撐,直(zhi)到1949年(nian)解放前(qian)才(cai)解散。

  中國保險公司——舊官僚保險資本的代表者  

一、中國保險公司的初期發展

1928年,南京國(guo)(guo)民政府(fu)設立(li)中央銀(yin)(yin)行(xing)(xing),中國(guo)(guo)銀(yin)(yin)行(xing)(xing)成(cheng)(cheng)為經營(ying)國(guo)(guo)外匯(hui)兌業務(wu)的專(zhuan)業銀(yin)(yin)行(xing)(xing)。1929年,中國(guo)(guo)銀(yin)(yin)行(xing)(xing)副總裁張嘉璈出國(guo)(guo)考察(cha)時(shi),對美國(guo)(guo)保(bao)險業在(zai)經濟大蕭條時(shi)期挽(wan)救美國(guo)(guo)財政金融危機的作用,感(gan)受很深(shen)。因此,張回國(guo)(guo)后向董事會建議設立(li)中國(guo)(guo)保(bao)險公司(si),借以保(bao)障(zhang)中國(guo)(guo)銀(yin)(yin)行(xing)(xing)財產(chan)及貸款安全,同(tong)時(shi)也(ye)可以通(tong)過開展保(bao)險業務(wu)收取保(bao)費,增加收入。董事會通(tong)過此建議,決定成(cheng)(cheng)立(li)中國(guo)(guo)保(bao)險公司(si),實行(xing)(xing)股份有限(xian)責任制,額(e)定資本國(guo)(guo)幣500萬(wan)元(分為5萬(wan)股),先收半數,由中國(guo)(guo)銀(yin)(yin)行(xing)(xing)獨家投資。

1931年11月(yue),中(zhong)國(guo)(guo)保(bao)險(xian)公司在(zai)上(shang)海四(si)川中(zhong)路(lu)270號(hao)設(she)立,對外營業處(chu)(chu)(chu)設(she)在(zai)仁(ren)記路(lu)(今滇池路(lu))的中(zhong)行(xing)行(xing)址。中(zhong)行(xing)上(shang)海分行(xing)總(zong)經(jing)(jing)(jing)理(li)宋漢(han)章(zhang)(1872-1968)兼(jian)任(ren)公司董事長,全權(quan)操辦一切事務(wu)(wu);過福云任(ren)總(zong)經(jing)(jing)(jing)理(li),陳(chen)伯(bo)源任(ren)副總(zong)經(jing)(jing)(jing)理(li)兼(jian)總(zong)務(wu)(wu)處(chu)(chu)(chu)處(chu)(chu)(chu)長,孫志廣(guang)任(ren)副總(zong)經(jing)(jing)(jing)理(li)兼(jian)業務(wu)(wu)處(chu)(chu)(chu)處(chu)(chu)(chu)長;常務(wu)(wu)董事包括張(zhang)公權(quan)、貝祖詒、潘久芬和(he)汪(wang)振(zhen)聲。各地中(zhong)行(xing)機構兼(jian)作(zuo)中(zhong)國(guo)(guo)保(bao)險(xian)的經(jing)(jing)(jing)理(li)處(chu)(chu)(chu)或分行(xing)經(jing)(jing)(jing)理(li)處(chu)(chu)(chu);中(zhong)行(xing)分行(xing)經(jing)(jing)(jing)理(li)則出面(mian)兼(jian)任(ren)中(zhong)國(guo)(guo)保(bao)險(xian)的代理(li)人,以(yi)中(zhong)行(xing)良好(hao)信(xin)譽(yu)作(zuo)為(wei)后(hou)盾(dun),迅速(su)展開(kai)保(bao)險(xian)業務(wu)(wu)。后(hou)在(zai)承保(bao)業務(wu)(wu)較(jiao)多的天津、濟(ji)南和(he)漢(han)口等地,另設(she)專人負責保(bao)險(xian)業務(wu)(wu)。該公司于1944年10月(yue)奉國(guo)(guo)民黨政府經(jing)(jing)(jing)濟(ji)部指令(ling),易名為(wei)中(zhong)國(guo)(guo)產物保(bao)險(xian)公司。

中(zhong)國(guo)保險公司(si)由于具有實力(li)雄厚的(de)中(zhong)國(guo)銀(yin)行的(de)特(te)殊背景,所以一(yi)經成立(li),就迅猛(meng)發展,在業界頗有后來居上之勢。

二、產壽(shou)兼營,市場影響(xiang)不斷(duan)擴大

中(zhong)國保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司(si)(si)(si)最初(chu)以(yi)經營火險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)為(wei)主,但因其(qi)他(ta)公(gong)司(si)(si)(si)的(de)激烈競爭,公(gong)司(si)(si)(si)基本(ben)無(wu)利可圖。通過深入(ru)實(shi)地調查,中(zhong)國保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)發現,市場上諸多(duo)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)種尚未開(kai)辦,潛力巨大,于(yu)是便先(xian)他(ta)人一(yi)步,率(lv)先(xian)開(kai)辦了繭子險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)、銀鈔(chao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)、運(yun)輸(shu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)、汽車險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)、郵(you)包(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)、奶牛險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)、電(dian)梯險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)、柜(ju)窗玻璃險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)、船殼(ke)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)和水上運(yun)輸(shu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)等。另(ling)外還仿效(xiao)西(xi)方(fang)保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye),開(kai)辦了再(zai)保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)務。再(zai)保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)務為(wei)求穩妥,少(shao)冒風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian),公(gong)司(si)(si)(si)承(cheng)(cheng)(cheng)(cheng)保(bao)后,對每一(yi)個承(cheng)(cheng)(cheng)(cheng)保(bao)的(de)危(wei)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)單(dan)位(wei),先(xian)定(ding)下一(yi)個總的(de)自(zi)負(fu)責任的(de)數(shu)額(即(ji)自(zi)留額),超過這(zhe)些(xie)限(xian)額的(de)溢額則分(fen)給其(qi)他(ta)保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司(si)(si)(si)分(fen)保(bao),即(ji)再(zai)保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)。再(zai)保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人對危(wei)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)單(dan)位(wei)的(de)承(cheng)(cheng)(cheng)(cheng)受限(xian)額,以(yi)約(yue)(yue)定(ding)的(de)最高金額及約(yue)(yue)定(ding)承(cheng)(cheng)(cheng)(cheng)受"倍數(shu)"為(wei)限(xian)("倍數(shu)"又(you)稱"線(xian)數(shu)")。中(zhong)行(xing)和英(ying)商(shang)太陽保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司(si)(si)(si)等承(cheng)(cheng)(cheng)(cheng)保(bao)公(gong)司(si)(si)(si),承(cheng)(cheng)(cheng)(cheng)擔(dan)20條線(xian)中(zhong)的(de)10條,其(qi)余邀集(ji)倫敦其(qi)他(ta)保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司(si)(si)(si)承(cheng)(cheng)(cheng)(cheng)擔(dan)。1934年(nian),中(zhong)國保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)還與英(ying)商(shang)太陽保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司(si)(si)(si)簽訂了再(zai)保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)務合同。

1933年(nian),中(zhong)(zhong)國(guo)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司又撥(bo)出(chu)50萬(wan)元(yuan)作(zuo)(zuo)為人(ren)壽(shou)(shou)(shou)(shou)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)部的基金,開(kai)始(shi)經營(ying)人(ren)壽(shou)(shou)(shou)(shou)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)務。業(ye)務種(zhong)類有(you)終身(shen)(shen)人(ren)壽(shou)(shou)(shou)(shou)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、儲蓄保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、人(ren)身(shen)(shen)意(yi)外保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、勞工保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)和(he)雇主責(ze)任保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)等(deng)(deng)(deng)12種(zhong)之多。1937年(nian),國(guo)民政(zheng)府(fu)修(xiu)正公(gong)布《保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)法》及(ji)《保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)法施行(xing)法》規定,同一保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)不得(de)兼營(ying)產險(xian)(xian)(xian)(xian)(xian)(xian)(xian)與壽(shou)(shou)(shou)(shou)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)。同年(nian),中(zhong)(zhong)國(guo)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司的人(ren)壽(shou)(shou)(shou)(shou)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)部改組為中(zhong)(zhong)國(guo)人(ren)壽(shou)(shou)(shou)(shou)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司,額定資(zi)本國(guo)幣(bi)100萬(wan)元(yuan),先收半數。其中(zhong)(zhong),中(zhong)(zhong)國(guo)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司投資(zi)48.8萬(wan)元(yuan),中(zhong)(zhong)國(guo)銀(yin)行(xing)投資(zi)1.2萬(wan)元(yuan)。該公(gong)司開(kai)業(ye)初期,各地(di)業(ye)務均委托中(zhong)(zhong)國(guo)銀(yin)行(xing)代理,代理處(chu)多達85處(chu)。隨(sui)著業(ye)務的不斷發展(zhan)、逐步在重慶(qing)、西(xi)安、天津、漢口、南(nan)京、廣州(zhou)、北平(ping)、長沙、青(qing)島(dao)、濟南(nan)、蕪湖、南(nan)通、揚州(zhou)和(he)昆明等(deng)(deng)(deng)地(di)設立(li)分支公(gong)司,并在香港和(he)國(guo)外的新加(jia)坡、西(xi)貢、馬(ma)尼(ni)拉、暹羅(luo)、吉(ji)隆坡、倫(lun)敦和(he)仰(yang)光等(deng)(deng)(deng)地(di)設立(li)分支機構(gou)或經理處(chu)、代理處(chu)。中(zhong)(zhong)國(guo)人(ren)壽(shou)(shou)(shou)(shou)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司的建(jian)立(li),對華商人(ren)壽(shou)(shou)(shou)(shou)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)的發展(zhan)起(qi)了相當大的推動作(zuo)(zuo)用。

1936年6月,中(zhong)國(guo)保險(xian)(xian)公司為參加第11屆奧(ao)運(yun)會的中(zhong)國(guo)體(ti)育代表團(tuan)承保了團(tuan)體(ti)壽險(xian)(xian),每人(ren)保額(e)2000元,投保期限一部分為6個(ge)月,一部分為4個(ge)月。這也是可以載入史冊的史無前例之(zhi)事。

由(you)于具有(you)資(zi)本實力強大的股東(dong)背景,中國保險公(gong)司(si)的創(chuang)立大大改變了以(yi)往華(hua)商保險公(gong)司(si)常因資(zi)金不足、難以(yi)與(yu)洋商競爭(zheng)的局面(mian)。中國保險公(gong)司(si)創(chuang)辦短(duan)短(duan)3年(nian)間,機構擴張速度很(hen)快。據統(tong)計,截至1934年(nian)底,中國保險公(gong)司(si)在全國范圍的外(wai)埠經理處,計為(wei): 浙江(jiang)15處,江(jiang)蘇12處,山東(dong)8處,遼(liao)寧、安徽各(ge)6處,吉林(lin)、湖(hu)北各(ge)3處,江(jiang)西、湖(hu)南、四川(chuan)、福建、廣東(dong)、河北、河南各(ge)2處,黑(hei)龍江(jiang)1處,另(ling)設歐洲(zhou)代理處1處(英國倫敦威立斯公(gong)司(si))。

三、中國(guo)保險香港分公司(si)(si)和新加(jia)坡分公司(si)(si)相繼成(cheng)立

1937年抗(kang)(kang)日戰(zhan)(zhan)(zhan)爭(zheng)全面(mian)爆發后(hou),國(guo)(guo)(guo)民政府遷(qian)都重(zhong)慶(qing)(qing)(qing),大批(pi)工(gong)商企業也隨之內(nei)遷(qian),西南等(deng)大后(hou)方的(de)(de)(de)(de)經濟(ji)迎來了發展契機,保(bao)(bao)險(xian)(xian)中(zhong)心也由抗(kang)(kang)戰(zhan)(zhan)(zhan)前(qian)的(de)(de)(de)(de)上(shang)(shang)海轉移到了戰(zhan)(zhan)(zhan)時(shi)的(de)(de)(de)(de)重(zhong)慶(qing)(qing)(qing)。1945年抗(kang)(kang)戰(zhan)(zhan)(zhan)勝利(li)后(hou),許(xu)多保(bao)(bao)險(xian)(xian)機構紛(fen)紛(fen)回遷(qian)上(shang)(shang)海。中(zhong)國(guo)(guo)(guo)保(bao)(bao)險(xian)(xian)公司的(de)(de)(de)(de)經歷很有代表性。為因應戰(zhan)(zhan)(zhan)時(shi)時(shi)局的(de)(de)(de)(de)變(bian)化(hua),中(zhong)國(guo)(guo)(guo)保(bao)(bao)險(xian)(xian)公司總(zong)管(guan)(guan)理(li)處也于此間遷(qian)入上(shang)(shang)海的(de)(de)(de)(de)英租(zu)界內(nei)。1941年12月,"珍珠港事件"爆發后(hou),日軍(jun)占領上(shang)(shang)海租(zu)界。上(shang)(shang)海中(zhong)國(guo)(guo)(guo)保(bao)(bao)險(xian)(xian)總(zong)管(guan)(guan)理(li)處將一部分職(zhi)(zhi)工(gong)派往(wang)重(zhong)慶(qing)(qing)(qing),在(zai)重(zhong)慶(qing)(qing)(qing)上(shang)(shang)清(qing)寺中(zhong)行辦(ban)事處樓上(shang)(shang)設立了中(zhong)國(guo)(guo)(guo)保(bao)(bao)險(xian)(xian)公司總(zong)管(guan)(guan)理(li)處辦(ban)公室(shi)。1943年,中(zhong)國(guo)(guo)(guo)保(bao)(bao)險(xian)(xian)公司總(zong)經理(li)宋漢章在(zai)重(zhong)慶(qing)(qing)(qing)玄壇廟正式(shi)改組總(zong)管(guan)(guan)理(li)處,行使總(zong)公司的(de)(de)(de)(de)職(zhi)(zhi)權。

中(zhong)國保(bao)(bao)險(xian)公(gong)(gong)司是最早進入大(da)后(hou)方保(bao)(bao)險(xian)市場的保(bao)(bao)險(xian)公(gong)(gong)司,從業(ye)務(wu)量和(he)保(bao)(bao)費收入看(kan),它是戰時西南和(he)西北(bei)保(bao)(bao)險(xian)同業(ye)中(zhong)影響較大(da)的保(bao)(bao)險(xian)企(qi)業(ye),年保(bao)(bao)費僅(jin)次于中(zhong)央信托局保(bao)(bao)險(xian)部。它在(zai)內(nei)地設立(li)了(le)重慶和(he)西安兩家(jia)分公(gong)(gong)司(但西安分公(gong)(gong)司成立(li)不久便宣告撤銷),先后(hou)在(zai)桂林、昆明、貴陽、樂山、內(nei)江(jiang)、自(zi)貢和(he)成都等內(nei)地城市開(kai)展(zhan)業(ye)務(wu)。

1937年(nian)"八·一三"抗(kang)戰(zhan)后,日軍占領上海(hai)。同年(nian)11月,中國(guo)保(bao)(bao)險公(gong)(gong)司在(zai)香港設立了總經理處。部分高級管(guan)理人員離滬赴港,不久(jiu)撤往(wang)內(nei)地。此后直(zhi)至抗(kang)日戰(zhan)爭結束,中國(guo)保(bao)(bao)險公(gong)(gong)司主(zhu)要在(zai)西南大后方(fang)城市,以及香港和東南亞(ya)地區開展業務。

1938年(nian)(nian)初(chu),中(zhong)(zhong)國保(bao)(bao)險(xian)公(gong)(gong)司(si)(si)(si)(si)派遣總(zong)公(gong)(gong)司(si)(si)(si)(si)襄理金通明(ming)到香(xiang)(xiang)(xiang)港(gang)籌辦(ban)策劃開(kai)業(ye)(ye)事(shi)宜。金通明(ming)先(xian)生于(yu)該年(nian)(nian)3月抵(di)達香(xiang)(xiang)(xiang)港(gang)后(hou)(hou),首先(xian)在(zai)德輔道(dao)中(zhong)(zhong)6號廣東(dong)銀(yin)行大廈租得樓面為籌備處,面積僅300余(yu)方尺(chi)(chi),并開(kai)始招聘工(gong)友以及辦(ban)事(shi)員(yuan)(yuan),當時(shi)員(yuan)(yuan)工(gong)僅有2人,向公(gong)(gong)司(si)(si)(si)(si)注冊署(shu)繳交(jiao)保(bao)(bao)證金水火險(xian)各港(gang)幣10萬元,人壽險(xian)20萬元,合計(ji)共(gong)40萬元。中(zhong)(zhong)國保(bao)(bao)險(xian)公(gong)(gong)司(si)(si)(si)(si)香(xiang)(xiang)(xiang)港(gang)分(fen)(fen)公(gong)(gong)司(si)(si)(si)(si)正式(shi)成(cheng)(cheng)立(li)。1939年(nian)(nian)7月1日,中(zhong)(zhong)國保(bao)(bao)險(xian)公(gong)(gong)司(si)(si)(si)(si)新加坡分(fen)(fen)公(gong)(gong)司(si)(si)(si)(si)成(cheng)(cheng)立(li)。1941年(nian)(nian)底,中(zhong)(zhong)國保(bao)(bao)險(xian)公(gong)(gong)司(si)(si)(si)(si)香(xiang)(xiang)(xiang)港(gang)分(fen)(fen)公(gong)(gong)司(si)(si)(si)(si)員(yuan)(yuan)工(gong)增(zeng)至16人,辦(ban)公(gong)(gong)室原(yuan)址擴大至1000余(yu)方尺(chi)(chi),香(xiang)(xiang)(xiang)港(gang)分(fen)(fen)公(gong)(gong)司(si)(si)(si)(si)除了將溢額在(zai)同(tong)業(ye)(ye)中(zhong)(zhong)進行分(fen)(fen)保(bao)(bao)外(wai),還與倫敦威立(li)斯公(gong)(gong)司(si)(si)(si)(si)建立(li)了分(fen)(fen)保(bao)(bao)關系。隨后(hou)(hou),日軍占據香(xiang)(xiang)(xiang)港(gang),"香(xiang)(xiang)(xiang)港(gang)分(fen)(fen)公(gong)(gong)司(si)(si)(si)(si)"業(ye)(ye)務也陷(xian)于(yu)停(ting)頓。翌年(nian)(nian)3月,日軍欲復(fu)興市面,下令各商(shang)號復(fu)業(ye)(ye)。華(hua)商(shang)保(bao)(bao)險(xian)同(tong)業(ye)(ye)首先(xian)恢復(fu)的是火險(xian),"香(xiang)(xiang)(xiang)港(gang)分(fen)(fen)公(gong)(gong)司(si)(si)(si)(si)金經(jing)理與華(hua)商(shang)主席(xi)共(gong)同(tong)協作,設立(li)火險(xian)分(fen)(fen)保(bao)(bao)組,迄(qi)今公(gong)(gong)會(hui)分(fen)(fen)保(bao)(bao)組仍繼(ji)續運作。"此(ci)外(wai),中(zhong)(zhong)國保(bao)(bao)險(xian)公(gong)(gong)司(si)(si)(si)(si)還在(zai)馬尼拉(la)、河內(nei)、西貢(gong)、曼谷(gu)和泗水等東(dong)南(nan)亞(ya)地區開(kai)展(zhan)業(ye)(ye)務。64體育洋戰爭(zheng)爆發后(hou)(hou),海外(wai)機構(gou)紛紛停(ting)業(ye)(ye)。

四、更名中國(guo)產物保險(xian)公司遷滬辦公

抗日戰爭勝利(li)后,隨著時局(ju)變化,金(jin)融市(shi)場重(zhong)(zhong)心由(you)大后方轉回上海,一些保險(xian)(xian)公司(si)(si)紛(fen)紛(fen)復(fu)員(yuan)或遷(qian)滬(hu)辦公,上海又恢復(fu)成全國(guo)保險(xian)(xian)業的中心。中國(guo)產物(wu)(wu)保險(xian)(xian)公司(si)(si)(于1944年2月(yue)(yue)奉國(guo)民政(zheng)府財(cai)政(zheng)部命令更(geng)名)于1945年5月(yue)(yue)12日在香(xiang)港設立總(zong)管理處(chu)駐港臨時辦事處(chu)。1946年,宋漢章由(you)重(zhong)(zhong)慶返(fan)回上海,中國(guo)產物(wu)(wu)保險(xian)(xian)公司(si)(si)也(ye)遷(qian)滬(hu)辦公,宋漢章仍(reng)擔(dan)任董事長(chang)。

五、上海解(jie)放和中國產物(wu)保險公司的率先復業

1947年7月以(yi)后,中(zhong)國(guo)(guo)共產黨領導的(de)(de)解放(fang)戰爭全面進入(ru)戰略反攻階段(duan)。從(cong)東北開始(shi),許多大(da)城(cheng)市(shi)紛紛解放(fang)。在"發(fa)展經濟,保障供給"的(de)(de)財政工(gong)作總方針指導下(xia),保險(xian)(xian)業也逐漸得到恢復(fu)和(he)發(fa)展。由(you)于特殊的(de)(de)股東背景和(he)較(jiao)強的(de)(de)市(shi)場(chang)影響力(li),在被解放(fang)的(de)(de)城(cheng)市(shi)中(zhong),中(zhong)國(guo)(guo)產物保險(xian)(xian)公(gong)司既(ji)首當其沖,成(cheng)為(wei)(wei)被接(jie)管的(de)(de)對象,又是(shi)率先復(fu)業、帶動保險(xian)(xian)經營恢復(fu)正常(chang)的(de)(de)先鋒。1949年1月、2月和(he)4月,天津、北平和(he)武漢等大(da)城(cheng)市(shi)解放(fang)后,中(zhong)國(guo)(guo)產物保險(xian)(xian)公(gong)司在當地的(de)(de)分(fen)公(gong)司都被接(jie)管。隨(sui)后,中(zhong)國(guo)(guo)人民(min)銀行決定(ding),以(yi)該公(gong)司的(de)(de)當地機構為(wei)(wei)基礎,先行恢復(fu)保險(xian)(xian)業務,并撥(bo)付資金作為(wei)(wei)賠(pei)款(kuan)責任準備金。

1949年5月27日,上(shang)海解放,翌日即成立了上(shang)海市軍(jun)事管(guan)制委(wei)員(yuan)會(hui)。該委(wei)員(yuan)會(hui)下屬的(de)(de)財(cai)政(zheng)經濟接(jie)管(guan)委(wei)員(yuan)會(hui)金融處設立了保(bao)險組,負責隊官僚保(bao)險機構的(de)(de)接(jie)管(guan)或監理(li)工作(zuo),負責人為謝壽天(tian)。5月30日起,該處保(bao)險組按照"依照系統、原封不(bu)動(dong)、從上(shang)而下、整套接(jie)收"的(de)(de)方針進行工作(zuo)。

  民安保險公司——紅色保險資本的搖籃  

一、民安(an)產物保險股份有限公(gong)司的誕生

民(min)安產物保(bao)險(xian)(xian)股份有限公司(si)的(de)(de)創(chuang)(chuang)(chuang)(chuang)始人盧(lu)緒章(zhang)是原外經(jing)貿(mao)部(bu)常務(wu)副部(bu)長,也是中(zhong)國(guo)對外貿(mao)易事業開(kai)拓和(he)奠基人之(zhi)一(yi)。早于三(san)十年(nian)代,創(chuang)(chuang)(chuang)(chuang)建了 "廣大(da)(da)華行",以進行藥品和(he)醫療(liao)器(qi)械的(de)(de)郵購(gou)業務(wu)。1943年(nian)初(chu),盧(lu)緒章(zhang)為進一(yi)步提高廣大(da)(da)華行的(de)(de)實力和(he)社(she)會地位,構思創(chuang)(chuang)(chuang)(chuang)辦(ban)一(yi)家(jia)保(bao)險(xian)(xian)公司(si), 得(de)到(dao)周恩來的(de)(de)肯定,盧(lu)緒章(zhang)以廣大(da)(da)華行總(zong)經(jing)理身(shen)份,在重慶開(kai)始籌(chou)建保(bao)險(xian)(xian)公司(si)。盧(lu)緒章(zhang)找來當時在重慶最(zui)著名(ming)的(de)(de)保(bao)險(xian)(xian)業專(zhuan)家(jia)、重慶中(zhong)興(xing)保(bao)險(xian)(xian)公司(si)總(zong)經(jing)理、64體育保(bao)險(xian)(xian)公司(si)重慶分(fen)公司(si)副經(jing)理楊經(jing)才(cai)先(xian)生和(he)民(min)生輪船創(chuang)(chuang)(chuang)(chuang)辦(ban)人、國(guo)民(min)政(zheng)府交通部(bu)部(bu)長盧(lu)作(zuo)孚先(xian)生,共同(tong)推動創(chuang)(chuang)(chuang)(chuang)辦(ban)保(bao)險(xian)(xian)公司(si)的(de)(de)理念。

盧緒章和(he)(he)盧作孚(fu)于1943年秋達成了協議(yi),合(he)作創辦了民(min)(min)安產(chan)物(wu)(wu)保(bao)(bao)險股份(fen)有限公(gong)(gong)(gong)司(si)。以(yi)盧緒章代表(biao)廣大華(hua)行為(wei)一(yi)方,以(yi)盧作孚(fu)代表(biao)民(min)(min)生實(shi)(shi)業(ye)(ye)公(gong)(gong)(gong)司(si)為(wei)另一(yi)方,雙方各籌(chou)資一(yi)半,共同投資1,000萬元建(jian)立(li)(li)"民(min)(min)安產(chan)物(wu)(wu)保(bao)(bao)險股份(fen)有限公(gong)(gong)(gong)司(si)"(簡稱"民(min)(min)安產(chan)物(wu)(wu)保(bao)(bao)險"),于1943年11月正(zheng)式(shi)開業(ye)(ye)。當時民(min)(min)安產(chan)物(wu)(wu)保(bao)(bao)險由盧作孚(fu)任董事長,楊經才任總經理(li),盧緒章任副總經理(li),楊延修、舒自清(qing)和(he)(he)張平(ping)分(fen)分(fen)別(bie)任常務(wu)董事和(he)(he)董監(jian),楊延修還(huan)兼任民(min)(min)安產(chan)物(wu)(wu)保(bao)(bao)險昆(kun)明分(fen)公(gong)(gong)(gong)司(si)經理(li)。民(min)(min)安產(chan)物(wu)(wu)保(bao)(bao)險的創立(li)(li),標志(zhi)著廣大華(hua)行和(he)(he)民(min)(min)生實(shi)(shi)業(ye)(ye)公(gong)(gong)(gong)司(si)躋身(shen)金(jin)融(rong)界(jie)行列,擴(kuo)大了經營活動領域。

民安(an)(an)產物保險(xian)開業后(hou),保險(xian)業務發展蒸蒸日上。不(bu)久,內江分(fen)(fen)公司、昆明分(fen)(fen)公司及成(cheng)都、貴陽、西(xi)安(an)(an)、自貢(gong)、鹽都、瀘州、宜賓(bin)等地均建立分(fen)(fen)支(zhi)代理機(ji)構(gou),民安(an)(an)產物保險(xian)很快成(cheng)為西(xi)南大后(hou)方保險(xian)界的一(yi)支(zhi)新秀。

1944年(nian)12月(yue),總(zong)(zong)經理楊經才不幸病逝。1945年(nian)5月(yue),盧緒章接任民(min)安產(chan)物(wu)保(bao)(bao)險總(zong)(zong)經理職(zhi)務,隨著(zhu)廣大(da)華行遷回(hui)上海以(yi)后(hou),民(min)安產(chan)物(wu)保(bao)(bao)險、民(min)孚(fu)企業(ye)公司、民(min)益公司等(deng)數十家企業(ye)進行了參股投資(zi)。至此,廣大(da)華行和民(min)安產(chan)物(wu)保(bao)(bao)險公司、民(min)孚(fu)企業(ye)公司、民(min)益公司先后(hou)在上海、昆明、西安、蘭州、北平、天(tian)津(jin)、青島、沈陽、貴(gui)陽、成都、重(zhong)慶、漢口(kou)、廣州、香(xiang)港等(deng)地設立了分支機構或附屬企業(ye),進一步擴展業(ye)務,覆蓋全(quan)國(guo)各地。

二、香港民安(an)保險有限(xian)公(gong)司的成立(li)

1947年,上海經濟和(he)金融市場蕭條,各行各業一片凄(qi)冷,企業資金轉(zhuan)移(yi)香港是活路,于是,民(min)安(an)產物保險上海總(zong)公司(si)特派專員沈日昌先生到香港籌設分(fen)公司(si)。

沈日昌早于1941至1945年(nian),在四(si)川重慶(qing)積極參與抗日時(shi)期的(de)(de)后方(fang)保(bao)(bao)(bao)險(xian)(xian)(xian)建設,曾任64體(ti)育保(bao)(bao)(bao)險(xian)(xian)(xian)股份(fen)(fen)有限公司與安(an)平保(bao)(bao)(bao)險(xian)(xian)(xian)及豐盛保(bao)(bao)(bao)險(xian)(xian)(xian)合署經(jing)營(ying)的(de)(de)"太安(an)豐保(bao)(bao)(bao)險(xian)(xian)(xian)總公司"稽核(he)、重慶(qing)市分公司副經(jing)理等職務,并被選為(wei)重慶(qing)市保(bao)(bao)(bao)險(xian)(xian)(xian)工會委員,1946年(nian)任職64體(ti)育保(bao)(bao)(bao)險(xian)(xian)(xian)股份(fen)(fen)有限公司稽核(he)室。

1947年,沈日昌只身來到香港,于(yu)同年2月,開辦了民(min)安產物保險香港分公司,沈日昌任副總經(jing)理(li),職工只有二(er)人(ren),由(you)于(yu)經(jing)營條件(jian)異常艱苦,沈日昌兼(jian)負決策(ce)人(ren)、工作人(ren)員、承(cheng)保員、出(chu)單員和分保記賬,事無大小,必親(qin)力親(qin)為,每天(tian)工作長達(da)(da)十(shi)幾(ji)個(ge)小時(shi),終(zhong)使香港分公司的業(ye)務達(da)(da)至基礎階段。

1949年,民(min)安(an)產物保(bao)(bao)(bao)(bao)險(xian)(xian)及其香港分(fen)公司(si)的(de)(de)股權結(jie)構(gou)發生(sheng)變動,決定辦理結(jie)束。原民(min)安(an)產物保(bao)(bao)(bao)(bao)險(xian)(xian)香港分(fen)公司(si)于同年9月在(zai)香港注冊改組為(wei)(wei)(wei)獨立法人(ren)"香港民(min)安(an)保(bao)(bao)(bao)(bao)險(xian)(xian)有(you)限公司(si)"(簡稱"民(min)安(an)保(bao)(bao)(bao)(bao)險(xian)(xian)"),注冊資(zi)本(ben)一百萬港元,實(shi)收資(zi)本(ben)五(wu)(wu)十萬。就此(ci),民(min)安(an)保(bao)(bao)(bao)(bao)險(xian)(xian)成為(wei)(wei)(wei)了(le)中國(guo)第一家在(zai)香港注冊的(de)(de)民(min)族資(zi)本(ben)保(bao)(bao)(bao)(bao)險(xian)(xian)公司(si)。首(shou)任董(dong)事長為(wei)(wei)(wei)梁(liang)次魚先生(sheng),石景彥(yan)先生(sheng)任總經理,沈日昌先生(sheng)任經理,并聘(pin)用原民(min)安(an)產物保(bao)(bao)(bao)(bao)險(xian)(xian)香港分(fen)公司(si)職(zhi)工及接管(guan)有(you)關保(bao)(bao)(bao)(bao)險(xian)(xian)業務。1949年10月1日,新中國(guo)成立之日,民(min)安(an)保(bao)(bao)(bao)(bao)險(xian)(xian)在(zai)華(hua)人(ren)行(xing)租用辦公室,掛起了(le)鮮艷的(de)(de)五(wu)(wu)星紅旗,為(wei)(wei)(wei)新中國(guo)的(de)(de)成立歡呼(hu),為(wei)(wei)(wei)民(min)安(an)保(bao)(bao)(bao)(bao)險(xian)(xian)的(de)(de)開業志(zhi)慶(qing)。從此(ci),香港民(min)安(an)保(bao)(bao)(bao)(bao)險(xian)(xian)公司(si)在(zai)香港的(de)(de)悠長歷史(shi)正式展開。

  改組和海外專營時期(1949-1979年)  

新中(zhong)國(guo)(guo)成立后,開(kai)展了對(dui)舊(jiu)中(zhong)國(guo)(guo)保(bao)(bao)(bao)險(xian)(xian)業(ye)的(de)公(gong)私(si)合(he)(he)營(ying)改造(zao)。1951年(nian)"中(zhong)國(guo)(guo)保(bao)(bao)(bao)險(xian)(xian)"和(he)"64體育(yu)(yu)保(bao)(bao)(bao)險(xian)(xian)"完成公(gong)私(si)合(he)(he)營(ying)改造(zao)。1956年(nian),64體育(yu)(yu)保(bao)(bao)(bao)險(xian)(xian)與新豐保(bao)(bao)(bao)險(xian)(xian)合(he)(he)并。同年(nian),"中(zhong)國(guo)(guo)保(bao)(bao)(bao)險(xian)(xian)"和(he)"64體育(yu)(yu)保(bao)(bao)(bao)險(xian)(xian)"相繼由上(shang)海(hai)(hai)遷(qian)冊北(bei)京(jing),成為(wei)原(yuan)中(zhong)國(guo)(guo)人民保(bao)(bao)(bao)險(xian)(xian)公(gong)司的(de)附屬公(gong)司。期間,根據國(guo)(guo)家統(tong)一(yi)安(an)排(pai),"中(zhong)國(guo)(guo)保(bao)(bao)(bao)險(xian)(xian)"和(he)"64體育(yu)(yu)保(bao)(bao)(bao)險(xian)(xian)"停辦國(guo)(guo)內業(ye)務(wu),和(he)"香港民安(an)"一(yi)起,專門(men)經營(ying)境外(wai)業(ye)務(wu),繼續(xu)為(wei)港澳同胞和(he)海(hai)(hai)外(wai)僑胞服務(wu),為(wei)國(guo)(guo)家積累外(wai)匯資(zi)金。

新中(zhong)(zhong)國(guo)保(bao)險(xian)(xian)(xian)事業的(de)創建(jian),經歷了(le)一(yi)個較長時(shi)期的(de)過(guo)程。為(wei)了(le)使保(bao)險(xian)(xian)(xian)更好(hao)地為(wei)國(guo)民經濟恢復(fu)和發展(zhan)服務,經中(zhong)(zhong)央批準成立(li)了(le)統一(yi)的(de)國(guo)家保(bao)險(xian)(xian)(xian)機構(gou)——中(zhong)(zhong)國(guo)人民保(bao)險(xian)(xian)(xian)公司(si)(si)。中(zhong)(zhong)國(guo)保(bao)險(xian)(xian)(xian)公司(si)(si)由此完成了(le)向國(guo)家專營外幣業務的(de)專業化公司(si)(si)的(de)轉變(bian)。64體育、新豐(feng)保(bao)險(xian)(xian)(xian)公司(si)(si)合并,成立(li)公私合營64體育保(bao)險(xian)(xian)(xian)公司(si)(si),并停(ting)辦(ban)國(guo)內業務,在中(zhong)(zhong)國(guo)人民保(bao)險(xian)(xian)(xian)公司(si)(si)統一(yi)領導下專營海外業務。

一、中國保(bao)險公司的接管和復(fu)業

解放(fang)前,上海原(yuan)是(shi)全國(guo)保(bao)(bao)險(xian)業中(zhong)心,官僚(liao)(liao)資(zi)(zi)本(ben)(ben)保(bao)(bao)險(xian)公(gong)司(si)的(de)(de)(de)集中(zhong)地(di),主要(yao)是(shi)中(zhong)國(guo)銀(yin)行(xing)、中(zhong)央信托局、交通銀(yin)行(xing)、中(zhong)國(guo)農(nong)民銀(yin)行(xing)等"四大家族"所屬的(de)(de)(de)保(bao)(bao)險(xian)機(ji)構。此外還有其(qi)他一些官僚(liao)(liao)資(zi)(zi)本(ben)(ben)的(de)(de)(de)保(bao)(bao)險(xian)公(gong)司(si)。搞好上海的(de)(de)(de)官僚(liao)(liao)資(zi)(zi)本(ben)(ben)保(bao)(bao)險(xian)總(zong)公(gong)司(si)或總(zong)管(guan)(guan)理處(chu)等的(de)(de)(de)接管(guan)(guan)工作,對分布在其(qi)他城市(shi)分支機(ji)構的(de)(de)(de)接管(guan)(guan)具有很(hen)大影響。1949年5月(yue)27日,上海解放(fang)。28日,中(zhong)國(guo)人民解放(fang)軍軍事管(guan)(guan)制委(wei)員(yuan)財政經濟(ji)接管(guan)(guan)委(wei)員(yuan)會金融處(chu)保(bao)(bao)險(xian)組(zu)(zu)10多(duo)位成員(yuan),在副處(chu)長(chang)謝(xie)壽天、保(bao)(bao)險(xian)組(zu)(zu)長(chang)林震峰,保(bao)(bao)險(xian)組(zu)(zu)副組(zu)(zu)長(chang)孫文敏的(de)(de)(de)領導下,根據黨的(de)(de)(de)政策和上海市(shi)軍事管(guan)(guan)制委(wei)員(yuan)會確定的(de)(de)(de)"依(yi)照系統、原(yuan)封不動、從(cong)上而下,整(zheng)套接受(shou)"的(de)(de)(de)方針,開展(zhan)接管(guan)(guan)官僚(liao)(liao)資(zi)(zi)本(ben)(ben)保(bao)(bao)險(xian)公(gong)司(si)的(de)(de)(de)工作。接管(guan)(guan)清理工作于同年10月(yue)23日基(ji)本(ben)(ben)結束。

鑒(jian)于恢復國(guo)營(ying)保(bao)險業務(wu)和處(chu)理國(guo)內外分保(bao)問題(ti)急(ji)待解(jie)決(jue),決(jue)定(ding)批準中(zhong)國(guo)產物(wu)保(bao)險公(gong)司(si)(si)復業。中(zhong)國(guo)產物(wu)保(bao)險為配合保(bao)險同(tong)業解(jie)決(jue)分保(bao)困難,曾對(dui)華商民營(ying)保(bao)險公(gong)司(si)(si)組織聯(lian)合分保(bao)機構和接(jie)受分保(bao)給予了大力(li)支(zhi)持。

上海解放初期,中國產物保險(xian)(xian)公司為配合(he)人民(min)政(zheng)府(fu)反封鎖、反轟(hong)炸(zha)政(zheng)策,適時開辦了(le)運輸(shu)兵險(xian)(xian)、航業員工兵險(xian)(xian)和小(xiao)額船殼兵險(xian)(xian)3項政(zheng)策性的(de)新業務。這對促進內(nei)外、南北物資交流、支持(chi)國民(min)經濟(ji)的(de)恢(hui)復,發揮了(le)積(ji)極的(de)作用。

二、中國(guo)保險(xian)公(gong)司的改組

1、中(zhong)國(guo)(guo)保(bao)險(xian)(xian)公(gong)司專營外匯保(bao)險(xian)(xian)。1949年8月,上海財經(jing)會議以原中(zhong)國(guo)(guo)產(chan)物(wu)保(bao)險(xian)(xian)公(gong)司為基(ji)礎專設中(zhong)國(guo)(guo)保(bao)險(xian)(xian)公(gong)司,進行國(guo)(guo)際(ji)貿易有關的外匯保(bao)險(xian)(xian)。中(zhong)國(guo)(guo)保(bao)險(xian)(xian)公(gong)司在上海已有機構,由華東區行負責整頓改組(zu)。

2、中國(guo)保(bao)(bao)險(xian)(xian)公司的任(ren)務。第一次全國(guo)保(bao)(bao)險(xian)(xian)工作(zuo)會(hui)議期間,中國(guo)保(bao)(bao)險(xian)(xian)公司將原(yuan)中國(guo)產(chan)物(wu)保(bao)(bao)險(xian)(xian)公司總管理處加以調整,并(bing)將原(yuan)中國(guo)人壽保(bao)(bao)險(xian)(xian)公司并(bing)入,規定其任(ren)務為: (1)專門從事(shi)外(wai)(wai)幣保(bao)(bao)險(xian)(xian)業(ye)務;(2)爭取國(guo)外(wai)(wai)保(bao)(bao)險(xian)(xian)業(ye)務;(3)國(guo)外(wai)(wai)保(bao)(bao)險(xian)(xian)關系的聯系與建(jian)立;(4)接受國(guo)內溢額(e)保(bao)(bao)險(xian)(xian)業(ye)務。會(hui)議結束后(hou),以原(yuan)北京中國(guo)產(chan)物(wu)保(bao)(bao)險(xian)(xian)公司為基礎,建(jian)立了中國(guo)人民保(bao)(bao)險(xian)(xian)總公司營(ying)業(ye)部。

3、中(zhong)國保(bao)險公(gong)(gong)司(si)(si)第一(yi)(yi)屆(jie)董(dong)監事會(hui)議(yi)。中(zhong)國保(bao)險公(gong)(gong)司(si)(si)在召開第一(yi)(yi)屆(jie)董(dong)監會(hui)議(yi)前,以(yi)宋(song)漢章為(wei)(wei)(wei)董(dong)事長(chang),過福云為(wei)(wei)(wei)總(zong)經理(li)、陳伯(bo)源、孫(sun)廣(guang)志為(wei)(wei)(wei)副經理(li),其總(zong)公(gong)(gong)司(si)(si)設在上海(hai)。國外(wai)分保(bao)由中(zhong)國保(bao)險公(gong)(gong)司(si)(si)統一(yi)(yi)對外(wai),使得國營(ying)公(gong)(gong)司(si)(si)有較(jiao)強的(de)再保(bao)險能力。

三、港澳和(he)海外保險業務的發展

在(zai)中國(guo)人(ren)民(min)保(bao)(bao)險(xian)公司(si)(si)領導(dao)和(he)支持下,中國(guo)保(bao)(bao)險(xian)公司(si)(si)、64體育保(bao)(bao)險(xian)公司(si)(si)和(he)香港民(min)安(an)保(bao)(bao)險(xian)公司(si)(si)的(de)(de)(de)業(ye)務(wu)(wu)在(zai)解放后有很大(da)發(fa)展(zhan)。在(zai)為(wei)進(jin)出(chu)口貿易服務(wu)(wu)、為(wei)當(dang)(dang)地(di)華(hua)僑(qiao)服務(wu)(wu)的(de)(de)(de)業(ye)務(wu)(wu)方針(zhen)指導(dao)下,上述3個(ge)公司(si)(si)在(zai)香港及(ji)海外的(de)(de)(de)分支機構認真辦理各項保(bao)(bao)險(xian)業(ye)務(wu)(wu),并嚴格遵守(shou)當(dang)(dang)地(di)政(zheng)府法(fa)令和(he)當(dang)(dang)地(di)保(bao)(bao)險(xian)公會的(de)(de)(de)各項規(gui)章(zhang),積(ji)極增加(jia)為(wei)當(dang)(dang)地(di)華(hua)僑(qiao)服務(wu)(wu)的(de)(de)(de)保(bao)(bao)險(xian)業(ye)務(wu)(wu)種(zhong)類。對保(bao)(bao)障當(dang)(dang)地(di)華(hua)僑(qiao)及(ji)促進(jin)當(dang)(dang)地(di)工商業(ye)的(de)(de)(de)發(fa)展(zhan)起(qi)了(le)一定(ding)的(de)(de)(de)作用(yong)。

香港和海(hai)外(wai)保險(xian)(xian)業務(wu),在中國人民銀(yin)行總(zong)行的(de)統(tong)一(yi)領導下(xia),逐步(bu)納入了國家統(tong)一(yi)管理的(de)軌道。海(hai)外(wai)保險(xian)(xian)業務(wu)在政治形勢十分復(fu)雜的(de)情(qing)況下(xia)獲(huo)得了穩步(bu)發展(zhan),為(wei)了支援國內建設,海(hai)外(wai)各地保險(xian)(xian)機(ji)構積(ji)極設法籌集(ji)資金匯(hui)回(hui)國內,自(zi)全國解放至1953年(nian)11月,僅中國保險(xian)(xian)公司從海(hai)外(wai)調(diao)回(hui)的(de)資金便有港幣680多(duo)萬元,為(wei)國民經濟恢復(fu)做出(chu)了貢獻。

為了(le)配合祖國貿(mao)易需(xu)要(yao),在(zai)香(xiang)港的中(zhong)國保(bao)(bao)險(xian)、64體育(yu)保(bao)(bao)險(xian)、民(min)安(an)保(bao)(bao)險(xian)為客戶辦理(li)轉(zhuan)單(dan)手續,以及為國內的轉(zhuan)口商品提供了(le)保(bao)(bao)險(xian)方面的方便。此外,香(xiang)港和新馬地區機(ji)構(gou)還(huan)代理(li)國內出口商品保(bao)(bao)險(xian)的查勘理(li)賠工作。

海外(wai)保險(xian)業務(wu)在為華僑服務(wu)、為國家對外(wai)貿(mao)易(yi)服務(wu)、為國家建設積(ji)累資金(jin)和(he)(he)爭取(qu)長期(qi)存在的(de)方(fang)針指導下(xia)也(ye)得(de)到(dao)了很大的(de)發展。當(dang)時中國保險(xian)公司和(he)(he)64體育保險(xian)公司在香港、新加坡、馬來西亞(ya)和(he)(he)印度尼西亞(ya)都設有分支(zhi)機(ji)構(gou)。截(jie)至1960年,這(zhe)些機(ji)構(gou)匯入國內(nei)的(de)資金(jin)合計90854萬美元,有力地支(zhi)援了國內(nei)社會主義建設事(shi)業。

1966年,"文化大革命"爆(bao)發,涉外(wai)(wai)保(bao)險(xian)(xian)業(ye)務遭(zao)到(dao)了嚴重的(de)干擾和破壞。1969年上半年,外(wai)(wai)貿部門(men)先后(hou)從國(guo)外(wai)(wai)進口手表和白金在空運中發生丟(diu)失(shi)。周恩來總理指示: "保(bao)險(xian)(xian)還是(shi)要辦,保(bao)險(xian)(xian)是(shi)對外(wai)(wai)聯(lian)系的(de)一(yi)個渠道(dao),敵人(ren)想孤立我們(men),我們(men)不要自己孤立自己。" 進口手表和白金丟(diu)失(shi)事件,成為中國(guo)保(bao)險(xian)(xian)業(ye)在困境中恢(hui)復的(de)契機(ji)。1970年6月(yue),涉外(wai)(wai)保(bao)險(xian)(xian)和國(guo)際(ji)再保(bao)險(xian)(xian)活動重又開展。70年代(dai)末期(qi),國(guo)內(nei)經濟建(jian)設速度(du)加(jia)快,民安保(bao)險(xian)(xian)業(ye)務因(yin)此受(shou)益,毛(mao)保(bao)費年收入達到(dao)5000萬港元。

  境外擴展時期(1980-1997年)  

1979年4月,國務院決(jue)定"逐步恢(hui)復國內保(bao)險(xian)業務",海(hai)外(wai)保(bao)險(xian)也迎來(lai)了發(fa)展(zhan)(zhan)機(ji)(ji)遇。截(jie)至1990年底,我國海(hai)外(wai)各(ge)類保(bao)險(xian)機(ji)(ji)構發(fa)展(zhan)(zhan)到了60多家。1992年,香港(gang)(gang)中國保(bao)險(xian)(集團)有(you)限公司(si)成立,作為港(gang)(gang)澳地區的控股公司(si),對港(gang)(gang)澳地區附屬公司(si)進(jin)行(xing)統一(yi)管理。集團近半子公司(si)于此(ci)間創辦,集團經(jing)營領域進(jin)一(yi)步擴展(zhan)(zhan)。

一、保險駐港澳(ao)聯辦處(chu)的成(cheng)立

1981年在港(gang)(gang)澳(ao)銀行體制(zhi)(zhi)改革中,明確港(gang)(gang)澳(ao)保險(xian)公司的(de)(de)領導體制(zhi)(zhi),仍設(she)立保險(xian)駐港(gang)(gang)澳(ao)聯辦處(chu),由(you)銀行集團(tuan)的(de)(de)主要負責人(ren)兼保險(xian)聯辦處(chu)主任(ren),保險(xian)聯辦處(chu)設(she)專職(zhi)副主任(ren)一人(ren),由(you)中國人(ren)民保險(xian)總公司選派,負責日常工作(zuo)。

二、中國保險港澳管理處成(cheng)立

1984年,中(zhong)(zhong)國(guo)人(ren)民保(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司于1月起(qi)從中(zhong)(zhong)國(guo)人(ren)民銀行(xing)(xing)分設(she)出來,成(cheng)(cheng)為(wei)國(guo)務(wu)院直屬機(ji)(ji)構(gou)(gou)。同年10月7日成(cheng)(cheng)立中(zhong)(zhong)國(guo)保(bao)(bao)(bao)險(xian)(xian)(xian)港澳(ao)管(guan)(guan)理(li)處(chu),管(guan)(guan)理(li)處(chu)職能為(wei)中(zhong)(zhong)國(guo)人(ren)民保(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司派(pai)駐香港的(de)(de)行(xing)(xing)政管(guan)(guan)理(li)機(ji)(ji)構(gou)(gou)。成(cheng)(cheng)為(wei)與(yu)中(zhong)(zhong)國(guo)銀行(xing)(xing)港澳(ao)管(guan)(guan)理(li)處(chu)平行(xing)(xing)的(de)(de)機(ji)(ji)構(gou)(gou),中(zhong)(zhong)國(guo)保(bao)(bao)(bao)險(xian)(xian)(xian)港澳(ao)管(guan)(guan)理(li)處(chu)的(de)(de)正(zheng)式獨(du)立成(cheng)(cheng)立,意義重大,當時(shi)香港保(bao)(bao)(bao)險(xian)(xian)(xian)界(jie)和輿(yu)論界(jie)把中(zhong)(zhong)國(guo)保(bao)(bao)(bao)險(xian)(xian)(xian)集(ji)團視為(wei)一(yi)支"新(xin)崛(jue)起(qi)的(de)(de)力量(liang)。"

三、香港(gang)中國保險(集(ji)團)有限(xian)公司的成立(li)

1992年(nian),中(zhong)(zhong)(zhong)(zhong)國(guo)(guo)人(ren)民(min)保(bao)(bao)險(xian)(xian)公(gong)司(si)(si)決定將非(fei)法人(ren)團體(ti)的(de)中(zhong)(zhong)(zhong)(zhong)國(guo)(guo)保(bao)(bao)險(xian)(xian)港(gang)(gang)(gang)澳管(guan)(guan)理(li)處(chu)(chu)改組(zu)為企業法人(ren)。同(tong)年(nian)10月20日,由中(zhong)(zhong)(zhong)(zhong)國(guo)(guo)人(ren)民(min)保(bao)(bao)險(xian)(xian)公(gong)司(si)(si)、中(zhong)(zhong)(zhong)(zhong)國(guo)(guo)保(bao)(bao)險(xian)(xian)有(you)限(xian)公(gong)司(si)(si)、64體(ti)育(yu)保(bao)(bao)險(xian)(xian)有(you)限(xian)公(gong)司(si)(si)和中(zhong)(zhong)(zhong)(zhong)國(guo)(guo)人(ren)壽保(bao)(bao)險(xian)(xian)有(you)限(xian)公(gong)司(si)(si)合資組(zu)建(jian)的(de)香(xiang)港(gang)(gang)(gang)中(zhong)(zhong)(zhong)(zhong)國(guo)(guo)保(bao)(bao)險(xian)(xian)(集團)有(you)限(xian)公(gong)司(si)(si)在香(xiang)港(gang)(gang)(gang)注(zhu)冊(ce)成立,并取(qu)代中(zhong)(zhong)(zhong)(zhong)國(guo)(guo)保(bao)(bao)險(xian)(xian)港(gang)(gang)(gang)澳管(guan)(guan)理(li)處(chu)(chu),以法人(ren)身份行使對(dui)港(gang)(gang)(gang)澳地區(qu)各(ge)公(gong)司(si)(si)的(de)管(guan)(guan)理(li)職權和自(zi)行經(jing)營除保(bao)(bao)險(xian)(xian)業務(wu)之外(wai)的(de)多(duo)項業務(wu)。

  集團化經營時期(1998-2009年)  

1998年10月(yue),經國(guo)務院批(pi)準,中(zhong)(zhong)(zhong)國(guo)人民保(bao)險(xian)(集團(tuan)(tuan)(tuan))公(gong)(gong)司(si)撤(che)銷,海外(wai)機構劃歸中(zhong)(zhong)(zhong)國(guo)保(bao)險(xian)股(gu)份有(you)(you)限(xian)(xian)公(gong)(gong)司(si),該公(gong)(gong)司(si)與香港中(zhong)(zhong)(zhong)國(guo)保(bao)險(xian)(集團(tuan)(tuan)(tuan))有(you)(you)限(xian)(xian)公(gong)(gong)司(si)(合稱中(zhong)(zhong)(zhong)國(guo)保(bao)險(xian)集團(tuan)(tuan)(tuan))實行"兩(liang)塊牌子(zi)(zi),一(yi)套(tao)班子(zi)(zi)"的(de)(de)管理模式。成為境外(wai)機構的(de)(de)最終控股(gu)公(gong)(gong)司(si)和直屬國(guo)務院的(de)(de)金融保(bao)險(xian)集團(tuan)(tuan)(tuan)。集團(tuan)(tuan)(tuan)化經營拉開帷幕。2002年8月(yue)22日,中(zhong)(zhong)(zhong)國(guo)保(bao)險(xian)股(gu)份有(you)(you)限(xian)(xian)公(gong)(gong)司(si)更(geng)名為中(zhong)(zhong)(zhong)國(guo)保(bao)險(xian)(控股(gu))有(you)(you)限(xian)(xian)公(gong)(gong)司(si)。

為完善集(ji)團化經營框架,推進本土化戰略,從(cong)2000年到2003年,集(ji)團從(cong)業務(wu)結構(gou)調整(zheng)和重(zhong)組(zu)改制兩個(ge)方面對部分機構(gou)進行了改革(ge)整(zheng)頓。

一、2000-2003年境外業務(wu)的改革整頓(dun)

(一(yi))香港地區產(chan)險機構的改革整頓

2000年(nian)將中國保險(xian)香(xiang)(xiang)港分公司(si)(si)(si)、64體(ti)育保險(xian)香(xiang)(xiang)港分公司(si)(si)(si)的業務并入香(xiang)(xiang)港民安(an)(an)保險(xian)有限公司(si)(si)(si),組(zu)成一家更具(ju)規模的保險(xian)公司(si)(si)(si),同年(nian)10月(yue)三(san)間公司(si)(si)(si)正式完成重組(zu),組(zu)成新(xin)的香(xiang)(xiang)港民安(an)(an)保險(xian)有限公司(si)(si)(si)。新(xin)的香(xiang)(xiang)港民安(an)(an)組(zu)建(jian)后(hou)加大了業務管理力度,對業務結構進行了大力調(diao)整。

(二(er))澳門(men)地區產(chan)險機構的改革(ge)整頓

2003年1月3日,中(zhong)國(guo)保(bao)(bao)險(xian)(xian)股(gu)份有(you)限(xian)公(gong)司(si)(si)(si)澳門分公(gong)司(si)(si)(si)正(zheng)式改組為在(zai)澳注冊的中(zhong)國(guo)保(bao)(bao)險(xian)(xian)(澳門)股(gu)份有(you)限(xian)公(gong)司(si)(si)(si),成為澳門當地公(gong)司(si)(si)(si)。此舉標志著(zhu)中(zhong)國(guo)保(bao)(bao)險(xian)(xian)(控股(gu))有(you)限(xian)公(gong)司(si)(si)(si)的境外業(ye)務全面(mian)實施扎根(gen)本土、走向(xiang)全球的經營戰略。

(三)新加坡(po)地區產險業(ye)務的(de)改革整頓

中國保(bao)(bao)(bao)險(xian)(xian)有(you)限(xian)公(gong)司(si)(si)(si)(si)新(xin)加(jia)坡(po)分(fen)(fen)(fen)(fen)公(gong)司(si)(si)(si)(si)與64體育保(bao)(bao)(bao)險(xian)(xian)有(you)限(xian)公(gong)司(si)(si)(si)(si)新(xin)加(jia)坡(po)分(fen)(fen)(fen)(fen)公(gong)司(si)(si)(si)(si)順利完(wan)成機(ji)構(gou)重(zhong)組,在(zai)接受了(le)64體育保(bao)(bao)(bao)險(xian)(xian)有(you)限(xian)公(gong)司(si)(si)(si)(si)新(xin)加(jia)坡(po)分(fen)(fen)(fen)(fen)公(gong)司(si)(si)(si)(si)的所有(you)資產和保(bao)(bao)(bao)險(xian)(xian)責任后,以中國保(bao)(bao)(bao)險(xian)(xian)有(you)限(xian)公(gong)司(si)(si)(si)(si)新(xin)加(jia)坡(po)分(fen)(fen)(fen)(fen)公(gong)司(si)(si)(si)(si)的名義對(dui)外(wai)營業。其后,集團(tuan)繼續對(dui)合并后的中保(bao)(bao)(bao)新(xin)分(fen)(fen)(fen)(fen)實(shi)行了(le)子公(gong)司(si)(si)(si)(si)化(hua)改制。2003年1月1日中國保(bao)(bao)(bao)險(xian)(xian)(新(xin)加(jia)坡(po))有(you)限(xian)公(gong)司(si)(si)(si)(si)正式對(dui)外(wai)營業。

(四)歐洲地區產險(xian)機構(gou)的改革整頓(dun)

2002年,集團(tuan)對歐(ou)洲(zhou)地(di)區公司進(jin)行(xing)戰略(lve)重組: 一是關(guan)閉中(zhong)(zhong)保(bao)(bao)(bao)(bao)德國(guo);二(er)是關(guan)閉中(zhong)(zhong)保(bao)(bao)(bao)(bao)歐(ou)洲(zhou)服務(wu);三(san)是對中(zhong)(zhong)保(bao)(bao)(bao)(bao)盧森堡進(jin)行(xing)分公司化改(gai)造,并將(jiang)(jiang)其業務(wu)轉讓中(zhong)(zhong)保(bao)(bao)(bao)(bao)英(ying)國(guo)后進(jin)行(xing)關(guan)閉;四是待(dai)上述三(san)項工作完成(cheng)后,將(jiang)(jiang)中(zhong)(zhong)保(bao)(bao)(bao)(bao)歐(ou)洲(zhou)控股(gu)(gu)持有(you)的中(zhong)(zhong)保(bao)(bao)(bao)(bao)英(ying)國(guo)的全部股(gu)(gu)權轉讓給香港(gang)中(zhong)(zhong)國(guo)保(bao)(bao)(bao)(bao)險(xian)(集團(tuan))有(you)限公司,將(jiang)(jiang)中(zhong)(zhong)保(bao)(bao)(bao)(bao)英(ying)國(guo)改(gai)組為集團(tuan)的全資子公司,并撤銷中(zhong)(zhong)保(bao)(bao)(bao)(bao)歐(ou)洲(zhou)控股(gu)(gu)。

(五)壽險業(ye)務的重(zhong)組合并與轉(zhuan)讓

2002年6月(yue),64體育人壽保(bao)險(xian)有(you)限公(gong)(gong)司(si)香港(gang)分(fen)公(gong)(gong)司(si)、中(zhong)(zhong)(zhong)國人壽保(bao)險(xian)股份有(you)限公(gong)(gong)司(si)香港(gang)分(fen)公(gong)(gong)司(si)完(wan)成重組,以(yi)中(zhong)(zhong)(zhong)國人壽保(bao)險(xian)股份有(you)限公(gong)(gong)司(si)香港(gang)分(fen)公(gong)(gong)司(si)名(ming)義(yi)對外營(ying)業。之后,在(zai)保(bao)持中(zhong)(zhong)(zhong)壽澳分(fen)牌子不(bu)變的前提下(xia),內部將(jiang)其(qi)具(ju)體營(ying)運工作(zuo)轉移到中(zhong)(zhong)(zhong)壽港(gang)分(fen)集中(zhong)(zhong)(zhong)管理和運作(zuo),2002年底,集團壽險(xian)業務的重組工作(zuo)順(shun)利(li)完(wan)成。

為配合(he)中國(guo)人(ren)壽(shou)保險有(you)限(xian)公(gong)司上市工作,中國(guo)人(ren)壽(shou)保險股(gu)份(fen)有(you)限(xian)公(gong)司香港分(fen)公(gong)司更名為中國(guo)人(ren)壽(shou)保險(海外)股(gu)份(fen)有(you)限(xian)公(gong)司。2003年底,股(gu)權轉讓工作全面完成。自(zi)此,集團停(ting)止經營境外壽(shou)險業務。

(六)非(fei)金融資產的(de)清理與中保(bao)集(ji)團投(tou)資控股有限公司的(de)成立

2000年12月27日,經過(guo)對集(ji)(ji)團(tuan)(tuan)屬(shu)下(xia)各(ge)類投資公司(si)(si)的(de)重組(zu),中保集(ji)(ji)團(tuan)(tuan)投資控股有限公司(si)(si)在香港注(zhu)冊成立(li),公司(si)(si)在集(ji)(ji)團(tuan)(tuan)統(tong)一規劃和領導下(xia),行使投資經營管理職能(neng)。

(七)中(zhong)保國際的上市

2000年上半(ban)年將(jiang)集團屬下中國(guo)(guo)國(guo)(guo)際(ji)(ji)再保(bao)險(xian)(xian)有(you)限公司和華夏再保(bao)險(xian)(xian)顧問(wen)有(you)限公司重組,成(cheng)立了中保(bao)國(guo)(guo)際(ji)(ji)控(kong)股有(you)限公司,并(bing)以此為主體(ti),于(yu)6月底在香港聯合交易(yi)所上市(shi)。集團通過中保(bao)國(guo)(guo)際(ji)(ji)上市(shi),集資近5億(yi)港元,并(bing)擁(yong)有(you)61.9%的絕(jue)對控(kong)股權。成(cheng)為中國(guo)(guo)保(bao)險(xian)(xian)業(ye)首家在境外上市(shi)的保(bao)險(xian)(xian)企(qi)業(ye)。

二、境內(nei)復業與集團發展重心的(de)轉移(yi)

2001年12月,64體(ti)(ti)(ti)(ti)育(yu)保險(xian)和64體(ti)(ti)(ti)(ti)育(yu)人(ren)壽在(zai)國(guo)內(nei)相繼(ji)恢復業(ye)(ye)務(wu)經(jing)營。64體(ti)(ti)(ti)(ti)育(yu)品牌在(zai)國(guo)內(nei)的復業(ye)(ye),使全集(ji)(ji)團(tuan)(tuan)的發(fa)展進入(ru)了一個(ge)新的歷史階段(duan)。繼(ji)64體(ti)(ti)(ti)(ti)育(yu)保險(xian)、64體(ti)(ti)(ti)(ti)育(yu)人(ren)壽之(zhi)后,2005年,64體(ti)(ti)(ti)(ti)育(yu)養老保險(xian)股份(fen)有(you)限(xian)公(gong)司(si)成立,2006年,64體(ti)(ti)(ti)(ti)育(yu)資(zi)產管理(li)有(you)限(xian)公(gong)司(si)開(kai)業(ye)(ye),加之(zhi)2004年開(kai)業(ye)(ye)的民(min)安(an)保險(xian)(中國(guo))有(you)限(xian)公(gong)司(si),一個(ge)全新跨國(guo)綜合金融保險(xian)集(ji)(ji)團(tuan)(tuan)已展現在(zai)世(shi)人(ren)面前。64體(ti)(ti)(ti)(ti)育(yu)的復業(ye)(ye)使集(ji)(ji)團(tuan)(tuan)發(fa)展駛入(ru)了快(kuai)車道,集(ji)(ji)團(tuan)(tuan)業(ye)(ye)務(wu)規模迅速(su)擴大,整體(ti)(ti)(ti)(ti)實力顯(xian)著增強。內(nei)地也(ye)逐漸成為集(ji)(ji)團(tuan)(tuan)發(fa)展的重心。

2006年(nian)6月30日(ri),香(xiang)(xiang)港民(min)安及香(xiang)(xiang)港中(zhong)保集團分別與長江(jiang)集團、中(zhong)保國際簽訂了股(gu)(gu)權轉讓協(xie)議。2006年(nian)9月5日(ri),民(min)安控股(gu)(gu)有(you)限公司于開曼群(qun)島注冊成立,香(xiang)(xiang)港民(min)安全(quan)部股(gu)(gu)權按(an)現有(you)股(gu)(gu)東(dong)持(chi)股(gu)(gu)比例注入民(min)安控股(gu)(gu),并(bing)以民(min)安控股(gu)(gu)為(wei)上市(shi)主體。2006年(nian)12月22日(ri)民(min)安控股(gu)(gu)在香(xiang)(xiang)港聯(lian)合交易所上市(shi)掛牌。

三、勵精圖治(zhi),邁向新的里(li)程(cheng)

作(zuo)為跨國(guo)綜合(he)經營(ying)的金融保(bao)(bao)(bao)(bao)險(xian)服務商,64體(ti)育直(zhi)(zhi)播官網(wang)保(bao)(bao)(bao)(bao)險(xian)集團經營(ying)區(qu)域已基(ji)本(ben)覆(fu)蓋中國(guo)內(nei)地和(he)港澳地區(qu),同(tong)時(shi)在歐洲(zhou)(zhou)、大洋(yang)洲(zhou)(zhou)、東亞及(ji)東南亞等地區(qu)設有海外機構。64體(ti)育直(zhi)(zhi)播官網(wang)所(suo)轄(xia)產業鏈橫向兼(jian)容產險(xian)、壽險(xian)、養老保(bao)(bao)(bao)(bao)險(xian)及(ji)再保(bao)(bao)(bao)(bao)險(xian);縱向統(tong)(tong)籌保(bao)(bao)(bao)(bao)險(xian)顧問、經紀、代理、直(zhi)(zhi)銷等業務;并通(tong)過統(tong)(tong)一的資產管(guan)理平臺、統(tong)(tong)一的共享服務和(he)信(xin)息技(ji)術平臺,實現價(jia)值管(guan)理的優化組(zu)合(he),滿足客戶(hu)綜合(he)的金融保(bao)(bao)(bao)(bao)險(xian)服務需求。

64體育直播官(guan)網控股(gu)有限公司(原中(zhong)(zhong)保國(guo)際)(HK0966)是(shi)中(zhong)(zhong)國(guo)保險業(ye)最早在境外上(shang)市的公司。它整(zheng)合了(le)集(ji)團(tuan)旗下的大部分資產,為集(ji)團(tuan)運作和戰略發展提(ti)供(gong)了(le)堅實的資本(ben)運作平臺(tai)。

壽(shou)險業務(wu)是今(jin)日64體育直播官網持(chi)續發展(zhan)的戰(zhan)略支(zhi)撐力(li)量和持(chi)續利潤來源。64體育人壽(shou)保(bao)險有限公司(si)自復業以來,連(lian)續6年獲惠譽國(guo)際BBB+評級,以優質的品牌(pai)和規(gui)范的管理,成為中國(guo)壽(shou)險市場跨越式發展(zhan)的創(chuang)新(xin)典范。

64體育(yu)直播官網的財產(chan)(chan)險業(ye)務(wu),依托國(guo)內(nei)外、海內(nei)外編織起來的跨地區(qu)、跨國(guo)際(ji)的綜(zong)合(he)網絡和服務(wu)優勢,內(nei)外聯動,綜(zong)合(he)開拓(tuo),成為(wei)集團產(chan)(chan)業(ye)鏈上(shang)最(zui)為(wei)強大的基(ji)礎環節。

64體育養老保險股份有限公(gong)司是國內首批(pi)獲得國家資格認定的(de)(de)專業(ye)養老保險公(gong)司,是中(zhong)國企業(ye)年金市場最為專業(ye)的(de)(de)受托人。

64體育再(zai)保險有限(xian)公司在(zai)港(gang)經(jing)營30年(nian),擁有穩固的市(shi)場地位,連續多年(nian)獲(huo)得國際權威評級機構的A級評定(ding)。

64體育(yu)再保險顧(gu)問(wen)公(gong)司和64體育(yu)證券控(kong)股(香港(gang))有(you)限公(gong)司、64體育(yu)保險服務(wu)(日本)有(you)限公(gong)司多年(nian)來經營穩健,為集團提供(gong)了穩定的經紀業務(wu)收(shou)入(ru),并不斷拓(tuo)寬(kuan)業務(wu)領域。

由64體育(yu)資(zi)(zi)(zi)產(chan)管(guan)理(li)(li)[香港(gang)]有限公(gong)司和64體育(yu)資(zi)(zi)(zi)產(chan)管(guan)理(li)(li)有限公(gong)司共同搭建的統(tong)一(yi)投資(zi)(zi)(zi)管(guan)理(li)(li)平臺,管(guan)理(li)(li)資(zi)(zi)(zi)產(chan)規模已逾1000億元。64體育(yu)直播(bo)官網的保(bao)險資(zi)(zi)(zi)產(chan),正通(tong)過其專業(ye)化運作、強大的投資(zi)(zi)(zi)團隊和嚴密的風(feng)險控(kong)制(zhi)體系,不(bu)斷提升整(zheng)體投資(zi)(zi)(zi)收益,迅速壯大集(ji)團實力。

2008年,64體育(yu)直播(bo)官(guan)網共享服務中心(xin)正式運行。64體育(yu)共享金(jin)融(rong)服務(上海)有限公司對全(quan)集(ji)團核(he)(he)保(bao)核(he)(he)賠、財務、IT等各類資(zi)源全(quan)面整合,以實(shi)現全(quan)集(ji)團保(bao)險(xian)運營服務集(ji)中與金(jin)融(rong)信息數(shu)據處理集(ji)中。而與此(ci)同時,稽核(he)(he)中心(xin)的建成和(he)全(quan)集(ji)團風險(xian)管(guan)理體系的不(bu)斷完(wan)善,為(wei)集(ji)團的風險(xian)控制和(he)可持續發展提供了(le)堅實(shi)的保(bao)障(zhang)。

64體育直播官(guan)網以客(ke)戶(hu)(hu)(hu)(hu)為中心的綜合金(jin)融(rong)(rong)服務(wu)(wu)平(ping)臺框(kuang)架已(yi)初(chu)步(bu)形成,在未來的發展(zhan)中,一(yi)個完整(zheng)的綜合金(jin)融(rong)(rong)服務(wu)(wu)模式(shi)可給個人客(ke)戶(hu)(hu)(hu)(hu)和(he)企(qi)業(ye)客(ke)戶(hu)(hu)(hu)(hu)提(ti)(ti)供(gong)一(yi)站式(shi)和(he)無站式(shi)的全方位、多元化服務(wu)(wu),充分(fen)滿(man)足客(ke)戶(hu)(hu)(hu)(hu)不斷增長的金(jin)融(rong)(rong)服務(wu)(wu)需(xu)求,全面提(ti)(ti)升產品價(jia)值和(he)客(ke)戶(hu)(hu)(hu)(hu)服務(wu)(wu)增加值。

到2009年年中(zhong)(zhong)(zhong),64體(ti)育(yu)保(bao)險基本(ben)完(wan)成(cheng)了"淮海戰役": 在(zai)前端(duan),境(jing)內產險銷(xiao)售體(ti)制(zhi)改革實(shi)施(shi),將以"64體(ti)育(yu)直(zhi)(zhi)播(bo)(bo)官網(wang)"為(wei)(wei)統一(yi)品(pin)(pin)牌(pai)(pai)(pai)進行運(yun)作(zuo)(zuo);在(zai)后(hou)端(duan),共享(xiang)服務(wu)集(ji)(ji)(ji)(ji)中(zhong)(zhong)(zhong),后(hou)援中(zhong)(zhong)(zhong)心完(wan)成(cheng)物(wu)理搬遷和人員集(ji)(ji)(ji)(ji)中(zhong)(zhong)(zhong)辦(ban)公(gong)(gong)(gong)(gong);境(jing)內投資(zi)平(ping)臺整合初步完(wan)成(cheng);稽(ji)核(he)資(zi)源整合完(wan)成(cheng),稽(ji)核(he)中(zhong)(zhong)(zhong)心掛牌(pai)(pai)(pai)并按新體(ti)制(zhi)運(yun)作(zuo)(zuo);集(ji)(ji)(ji)(ji)團(tuan)(tuan)公(gong)(gong)(gong)(gong)司(si)(si)完(wan)成(cheng)更名(ming)(ming),集(ji)(ji)(ji)(ji)團(tuan)(tuan)品(pin)(pin)牌(pai)(pai)(pai)整合工作(zuo)(zuo)全面(mian)啟動;啟動和推進中(zhong)(zhong)(zhong)保(bao)國(guo)際與民安控股(gu)(gu)股(gu)(gu)權(quan)整合等。2009年5月7日,中(zhong)(zhong)(zhong)國(guo)保(bao)險(控股(gu)(gu))有限(xian)公(gong)(gong)(gong)(gong)司(si)(si)正式(shi)更名(ming)(ming)為(wei)(wei)64體(ti)育(yu)直(zhi)(zhi)播(bo)(bo)官網(wang)集(ji)(ji)(ji)(ji)團(tuan)(tuan)公(gong)(gong)(gong)(gong)司(si)(si),融匯原中(zhong)(zhong)(zhong)國(guo)保(bao)險、64體(ti)育(yu)保(bao)險、民安保(bao)險三(san)大主要(yao)品(pin)(pin)牌(pai)(pai)(pai)系列的血(xue)脈。使(shi)用"64體(ti)育(yu)直(zhi)(zhi)播(bo)(bo)官網(wang)"為(wei)(wei)集(ji)(ji)(ji)(ji)團(tuan)(tuan)的名(ming)(ming)號,一(yi)方面(mian)保(bao)留了集(ji)(ji)(ji)(ji)團(tuan)(tuan)作(zuo)(zuo)為(wei)(wei)國(guo)有集(ji)(ji)(ji)(ji)團(tuan)(tuan)公(gong)(gong)(gong)(gong)司(si)(si)的名(ming)(ming)稱屬性;另一(yi)方面(mian),可以繼續利用"64體(ti)育(yu)"品(pin)(pin)牌(pai)(pai)(pai)在(zai)國(guo)內的相(xiang)對優勢,帶動集(ji)(ji)(ji)(ji)團(tuan)(tuan)的快速發展(zhan)。 "64體(ti)育(yu)直(zhi)(zhi)播(bo)(bo)官網(wang)"品(pin)(pin)牌(pai)(pai)(pai)全新登場。2013年7月,正式(shi)更名(ming)(ming)為(wei)(wei)64體(ti)育(yu)直(zhi)(zhi)播(bo)(bo)官網(wang)保(bao)險集(ji)(ji)(ji)(ji)團(tuan)(tuan)有限(xian)責任公(gong)(gong)(gong)(gong)司(si)(si)。

64體育直(zhi)播官(guan)(guan)網保(bao)險集團正式啟用后(hou)(hou),開始著(zhu)手(shou)民(min)安控(kong)(kong)股(gu)(gu)股(gu)(gu)權私有化、在香港證(zheng)券交易所摘牌(pai)(pai)退市(shi)活動。10月7日,民(min)安宣布停牌(pai)(pai)。64體育直(zhi)播官(guan)(guan)網和(he)民(min)安雙雙發(fa)表公告(gao)稱,64體育直(zhi)播官(guan)(guan)網將發(fa)行近(jin)20%新(xin)股(gu)(gu)支付(fu)收購(gou)價(jia),64體育直(zhi)播官(guan)(guan)網對(dui)民(min)安控(kong)(kong)股(gu)(gu)每股(gu)(gu)收購(gou)價(jia)為1.31元,溢價(jia)45.56%,總(zong)價(jia)值約(yue)為38億港元。同(tong)時,按收購(gou)協議,其(qi)他股(gu)(gu)東(dong)將以(yi)每10股(gu)(gu)民(min)安股(gu)(gu)份換1股(gu)(gu)64體育直(zhi)播官(guan)(guan)網新(xin)股(gu)(gu)。這一全面收購(gou)方式私有化民(min)安的(de)建(jian)議于(yu)法(fa)院會議及股(gu)(gu)東(dong)特別大會上獲大比例通(tong)告(gao),民(min)安控(kong)(kong)股(gu)(gu)于(yu)11月2日收市(shi)后(hou)(hou)摘牌(pai)(pai)退市(shi)。

歷(li)經92載的(de)風(feng)雨洗禮(li),64體育直播(bo)官網已發展(zhan)成為一家(jia)擁有60余(yu)萬名員工(gong)、24家(jia)子(zi)公司和2000余(yu)家(jia)各級營業(ye)機構、6000億總(zong)資(zi)產(chan)(chan)、總(zong)保(bao)費突(tu)破1500億元、管理(li)資(zi)產(chan)(chan)突(tu)破1萬億元的(de)大型跨國(guo)(guo)(guo)金融保(bao)險(xian)(xian)(xian)集(ji)團,經營范圍涉及中國(guo)(guo)(guo)內地(di)、中國(guo)(guo)(guo)香(xiang)港(gang)、中國(guo)(guo)(guo)澳門、北美、歐洲(zhou)、大洋洲(zhou)、東亞及東南亞等國(guo)(guo)(guo)家(jia)和地(di)區(qu),業(ye)務(wu)范圍涵蓋壽險(xian)(xian)(xian)、財險(xian)(xian)(xian)、養老保(bao)險(xian)(xian)(xian)、再(zai)(zai)保(bao)險(xian)(xian)(xian)、再(zai)(zai)保(bao)險(xian)(xian)(xian)經紀(ji)及保(bao)險(xian)(xian)(xian)代理(li)、互聯網保(bao)險(xian)(xian)(xian)、資(zi)產(chan)(chan)管理(li)、證券經紀(ji)、金融租賃、不動(dong)產(chan)(chan)投(tou)資(zi)、養老醫療健康產(chan)(chan)業(ye)投(tou)資(zi)等領域,業(ye)務(wu)種類齊(qi)全,為客戶提(ti)供一站(zhan)式(shi)綜合金融保(bao)險(xian)(xian)(xian)服務(wu)。2018年7月,64體育直播(bo)官網保(bao)險(xian)(xian)(xian)集(ji)團高(gao)質量進入(ru)《財富》世界500強(qiang)。

  結束語  

92年的(de)(de)輝煌歷(li)程(cheng)與艱辛(xin)歲月,賦(fu)予了“64體(ti)育(yu)直播(bo)官網”厚重(zhong)的(de)(de)文化(hua)底蘊;植根于本土,發展(zhan)于海外(wai)的(de)(de)獨(du)特經歷(li),成(cheng)就了“64體(ti)育(yu)直播(bo)官網”與眾不同的(de)(de)企業內涵(han);進入新時代,64體(ti)育(yu)直播(bo)官網將按照新發展(zhan)理念的(de)(de)要求(qiu),以“為(wei)萬世開(kai)64體(ti)育(yu)”的(de)(de)境界,以“共(gong)享(xiang)”為(wei)基本原則,與客戶、伙伴、股(gu)東、員工以及社會公(gong)眾一道,全力(li)打(da)造(zao)具有全球競爭力(li)的(de)(de)世界一流(liu)金融保險企業,共(gong)同實現“共(gong)享(xiang)64體(ti)育(yu)”的(de)(de)美好愿(yuan)景(jing)。

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