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制衡的关键机制。业内分析人士明确指出,徐文渊的“一肩挑”模式可能打破这种制衡,削弱董事会的独立性,使公司决策过度集中于个人,从长远看存在治理隐患。此外,2024年分管精算与风控的副总经理田鸿榛的突然离职,并带走大量精算骨干,直接导致公司产品定价模型停滞和准备金计提出现重大漏洞,暴露了核心人才梯队的不稳定和公司治理的脆弱性。  深层剖析:战略、业务与信任的多重短板  综合来看,富德生命人寿当前的困境

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