东京——据《日经新闻》周五报道，日本金融厅拟依据《保险业法》对英国保诚人寿下达停业命令。
TOKYO -- Japan's Financial Services Agency is set to issue a business suspension order against Prudential Life Insurance under the Insurance Business Act, Nikkei learned on Friday.
作为美国保险业巨头保诚金融在日本的子公司，保诚人寿可能被禁止销售新保险产品及开展其他业务，期限达三个月。
Prudential Life, the Japanese affiliate of U.S. insurance giant Prudential Financial, could be forbidden from selling new insurance policies and pursuing other lines of business for three months.
此次处罚源于调查发现：多名现任及前任员工存在违规从客户处获取资金的行为。
This follows the discovery of numerous cases in which current and former employees improperly obtained money from customers.
金融厅正要求该公司实施全面改革，以强化客户保护机制并杜绝类似事件再次发生。
The regulator is seeking sweeping reforms to strengthen customer protection and prevent any recurrence.
停业命令是除吊销经营许可外最为严厉的行政处罚措施。此次若得以实施，这将是继2019年日本邮政人寿遭处罚以来保险业史上最严重的行政制裁。
A suspension order is the most severe administrative sanction short of revocation of an insurer's operating license. This would be the most serious such order in the industry since Japan Post Life Insurance was sanctioned in 2019.
预计保诚人寿将在未来几周内公布由外部法律及行业专家组成的独立调查小组的报告。
Prudential Life is expected to release a report by an independent investigative panel composed of outside legal and industry experts in the coming weeks.
金融厅于9月实施了现场检查，据信已发现该公司在公司治理与内部控制方面存在严重缺陷。目前该机构还在考虑对母公司日本保诚控股公司采取以业务整改命令为主的行政措施。
The FSA conducted inspections on site in September, and is believed to have identified serious deficiencies in corporate governance and internal control. It is also considering administrative action, centered on a business improvement order, against parent company Prudential Holdings of Japan.
今年1月，保诚人寿披露称，超过100名现任及前任员工违规从客户处获取资金总额达31亿日元（约合1900万美元）。7月这一赔偿范围进一步扩大，潜在需赔付金额又增加了6.2亿日元。尽管该公司已于2月初主动暂停新业务销售，但在自查期间仍出现了更多涉嫌挪用资金的案例。
Prudential Life disclosed in January that more than 100 current and former employees had improperly received a combined 3.1 billion yen ($19 million) from customers. The scope of compensation expanded in July, with an additional 620 million yen added to potential reimbursement claims. Although the company voluntarily suspended new sales activities in early February, more cases of suspected fund misappropriation surfaced during the self-imposed freeze.
保德信人寿已停止销售活动至11月，而正式的停业令将进一步推迟任何恢复销售的计划。2026年4月至6月季度，该公司的新保单销售额同比暴跌93%，降至690亿日元。预计长期停业将加剧对公司财务的影响。
Prudential Life has already halted sales activities until November, and a formal suspension order would further delay any resumption. New policy sales in the April-June quarter of 2026 plunged 93% from a year earlier to 69 billion yen. A prolonged shutdown is expected to deepen the financial impact on the company.
其他寿险公司也曝出了财务不当行为。索尼人寿保险披露了包括向客户借钱在内的不当行为。日本金融厅将根据上个月的调查结果，考虑采取行政处罚措施。
Financial misconduct has also been reported at other life insurance companies. Sony Life Insurance disclosed improper conduct, including borrowing money from customers. The FSA will consider administrative sanctions depending on the results of last month's investigations.