日本金融厅于周五下令，要求隶属于美国保德信金融集团的保德信人寿与直布罗陀人寿因员工存在欺诈行为，暂停部分业务超过三个月。
The Financial Services Agency (FSA) on Friday ordered Prudential Life Insurance and Gibraltar Life Insurance, both part of the U.S. Prudential Financial group, to suspend some operations for more than three months over fraud committed by their employees.
金融厅还向这两家总部位于东京的人寿保险公司的母公司——保德信控股日本公司下达了业务整改指令，要求其强化企业治理水平。
The FSA also issued a business improvement order to Prudential Holdings of Japan, the parent company of the two Tokyo-based life insurers, calling for stronger corporate governance.
根据这项从本周二起生效、直至2027年1月底为止的停业令，两家保险公司将被禁止签订新的保险合同或销售保险产品，以便集中精力重建管理与监督体系。
Under the partial business suspension order, which runs from Tuesday to the end of January 2027, the two insurers will be prohibited from entering into new insurance contracts or selling insurance products, so that they can focus on rebuilding their management and oversight systems.
实际上，保德信人寿自2月起便已主动停止新业务销售，此次监管命令将进一步推迟其业务恢复进程。
Prudential Life has voluntarily refrained from making new sales since February, and the FSA’s order will further delay the resumption of its sales activities.
今年1月，保德信人寿披露称，有100多名现任及前任员工违规从客户处获取了总计31亿日元（约合1960万美元）的资金，此事直接导致时任社长马原侃引咎辞职，金融厅也随即展开了现场调查。
In January, Prudential Life said that more than 100 of its current and former employees had improperly received a total of ¥3.1 billion ($19.6 million) from customers, prompting the resignation of then-President Kan Mabara and an on-site inspection by the FSA.
周四公布的第三方调查报告指出，受害者遭受的经济损失总额已突破61亿日元。报告认为，企业内部过度看重销售业绩的文化氛围正是此类违规行为频发的重要诱因。
According to a third-party investigation report released Thursday, the total amount of losses reported by victims exceeded ¥6.1 billion. The report cited a corporate culture that placed excessive emphasis on sales performance as one of the causes of the misconduct.
保德信人寿计划对目前高度依赖销售业绩作为考核依据的薪酬体系进行改革，并增设最低保障薪资。此外，社长兼首席执行官德丸博光及两名高管也将自愿在三个月内退还各自月薪的30%。
Prudential Life plans to review its compensation system, which relies heavily on commissions linked to sales performance, and introduce a minimum guaranteed salary. Prudential Life President and CEO Hiromitsu Tokumaru and two executives will voluntarily return 30% of their monthly remuneration for three months.