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Chang An Property and Liability Insurance
Chang An Property and Liability Insurance was formed in September 2007, launched under the aegis of China's Ministry of Housing and Urban-Rural Development and...
Chang An Property and Liability Insurance
Chang An Property and Liability Insurance was formed in September 2007, launched under the aegis of China's Ministry of Housing and Urban-Rural Development and ten supporting ministries. The state-orchestrated creation tasked the Beijing-based carrier with expanding the nation's liability insurance market. Today, GoHo Asset Management owns 31.68% of the firm, and Bengbu High-tech Investment Group holds 18.45%, with Anhui Guoyuan Financial Holding now spearheading a risk-disposal and restructuring process. The firm's investment posture is rooted in a Fixed Income and Trust Plan Portfolio that reflects classic Chinese insurance asset allocation. On the underwriting side, Chang An operates as a composite property insurer, offering motor, property, liability, credit, and short-term health and accident lines. Strategic cooperation initiatives — such as the partnership with Hexin E-Commerce for guarantee and credit insurance — signal efforts to embed insurance into digital lending ecosystems. Confirmed real estate holdings include office space at Xiamen Haixia Shimao Mansion. The company operates branch offices across China, with a documented presence in Xiamen. The restructuring effort, led by Anhui Guoyuan Financial Holding, marks the critical operational event reshaping the firm's governance and capital structure. This ongoing process directly involves GoHo Asset Management, whose chairman Li Houwen also leads Lotus Health, embedding a consumer-sector influence in the insurer's strategic network. The firm runs internal charity initiatives under the Chang An Insurance brand. Chang An's architecture is defined by its origin as a ministry-backed policy tool, now undergoing a state-led financial rehabilitation. Unlike purely market-driven insurers, its shareholder roster marries local-government investment platforms with a consumer-focused industrialist, creating a governance hybrid. The restructuring separates it from steady-state peers, making its investment capacity a function of regulatory and shareholder negotiation rather than organic accumulation.
General information
Firm type
Insurance
Year founded
2007
Location
Region
Asia
Country
China
City
Beijing
Corporate office
Beijing, China
Additional offices
Xiamen, China
Principals
Li Houwen
Chairman of GoHo Asset Management
Sector focus
Frequently asked questions
Who controls Chang An Insurance's investment decisions?
The investment function is overseen by the firm's management but shaped by its largest shareholders. GoHo Asset Management, with a 31.68% stake, and Bengbu High-tech Investment Group, holding 18.45%, exert significant influence. Chairman Li Houwen of GoHo is the most visible figure in the ownership network (per Altss research). The ongoing restructuring by Anhui Guoyuan Financial Holding may further shift decision-making authority.
What is the nature of Anhui Guoyuan Financial Holding's involvement?
Anhui Guoyuan Financial Holding is leading a formal risk-disposal and restructuring effort at Chang An Insurance. The process signals regulatory or financial stress at the carrier and places a state-backed financial group in a controlling remediation role. The outcome will likely determine the firm's future capital structure and investment latitude (per Altss research).
What does Chang An Insurance's investment portfolio consist of?
Chang An's disclosed investment posture centers on a Fixed Income and Trust Plan Portfolio, a common allocation for Chinese insurers. Specific holdings are not publicly broken out. The firm also holds commercial property, including an office at Xiamen Haixia Shimao Mansion (per Altss research). Alternative or equity investments are not disclosed.
How is the firm's wealth origin different from a family office?
Chang An is not built on family wealth. It was formed in 2007 by China's Ministry of Housing and Urban-Rural Development and ten other ministries to expand the liability insurance market (per the firm). Its capital base comes from a consortium of corporate and state-linked shareholders, not a single family's fortune.
Does Chang An Insurance run any philanthropic programs?
The firm sponsors internal charitable activities under the Chang An Insurance Charity Initiatives banner. These are corporate-social-responsibility programs typical of Chinese state-linked enterprises. No separate foundation structure or dedicated endowment has been identified (per Altss research).
What insurance lines does Chang An underwrite?
The firm operates as a composite property insurer, covering motor, property, liability, credit, guarantee, short-term health, and accident lines (per capli.com.cn). Its original mandate centered on liability insurance, and it continues to market that as a core specialty alongside mass-market products like million-yuan medical and home insurance.
What is the relationship between Chang An Insurance and Hexin E-Commerce?
Chang An and Hexin E-Commerce have a strategic cooperation agreement focused on guarantee and credit insurance (per Altss research). This partnership suggests a distribution or embedded-insurance play, where Chang An's underwriting capacity supports Hexin's digital platform ecosystem.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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