Thirty percent. According to inquiries, the minimum reduction policy of Ping An Puhui is to reduce the principal by 20 to 30%. It can also reduce handling fees, insurance premiums and other types of expenses. The one-time settlement can stop collections. Stop litigation. Ping An Puhui is the general name of the companies affiliated to Ping An Insurance (Group) Co., Ltd. of China that carry out financing guarantees, financing consulting, small loans and other businesses.