文
|九月
编|李亚
A股5大上市险企前2月份保费收入普遍下滑。
近期,A股5家上市险企前2月保费数据纷纷出炉。据统计,A股5家上市险企共取得原保费收入7472.09亿元,同比下降1.38%。
寿险方面,平安人寿、中国人寿、太保寿险、新华保险、人保寿险保费收入呈现“一升四降”格局,合计实现原保费收入5306.92亿元,同比下降2.97%。其中仅中国人寿实现正增长,增速为2.8%;新华保险、人保寿险分别实现原保费收入395.9亿元、412.8亿元,增速分别为-14.59%、-16.77%。相较于寿险,财险的表现则较为稳定。
随着银保渠道逐渐落实“报行合一”后,各家险企银保渠道新单收入均有所下降,近期经代渠道的寿险产品也迎来集中调整。据悉,目前已有长城人寿、信美相互、中英人寿、信泰人寿、中意人寿等公司十余款养老年金和增额终身寿险产品在保险经代公司下架。
业内人士预测,随着个险、经代渠道“报行合一”的持续跟进,险企保费收入增长速度有可能会进一步放缓。
1
寿险“四降一升”,
人保、新华降幅均超两位数
具体来看,寿险方面,
平安人寿、中国人寿、太保寿险、新华保险、人保寿险5家险企保费收入呈现“一升四降”格局,合计实现原保费收入5306.92亿元,同比下降2.97%。
其中,中国人寿实现原保费收入2527亿元,同比增长为2.8%,在5家上市寿险公司中唯一实现正增长。平安人寿实现原保费收入1338.4亿元,同比增长-1.1%;
太保寿险实现原保费收入632.7亿元,同比增长-9.3%;新华保险、人保寿险分别实现原保费收入395.9亿元、412.8亿元,对应增速分别为-14.59%、-16.77%。
不同于寿险,财险“老三家”业务整体稳健增长,合计实现保费收入1907.07亿元,同比增长2.06%
。
其中,太保产险实现保费收入389.77亿元,同比增速6.2%,在财险“老三家”中增速第一。人保财险、平安产险分别实现保费收入1012.43亿元、504.87亿元,增速分别为1.05%、1%。
业内人士认为,由于中国人寿和新华保险只经营人身险业务,所以新华保险受到的影响较大。而中国人寿保费收入实现正增长,预计主要受益于开门红预售节奏较早、拥有最大的个险队伍以及银保占比低于同业的综合影响;中国平安保费增速相比较小,预计主因银保优才队伍的建设成效。
根据公开数据,中国人寿和中国平安的个险业务占比都在80%左右。中国平安的个险业务更是在85%左右,银保占比仅7%。除此之外,人保寿险个险占比41%,太保寿险个险占比78%,新华保险个险占比为64%。
2
经代渠道部分产品下架,
“报行合一”下保费增长低迷
对于上述险企的表现,业内并不感到意外。此前,监管便针对人身险负债端陆续推出规范性政策,人身险的新单收入也因此受到影响。
去年8月底,国家金融监管总局下发《关于规范银行代理渠道保险产品的通知》,一个月后分窗口指导银保渠道落实“报行合一”。同年10月,国家金融监管总局人身险部向各人身险公司下发《关于强化管理促进人身险业务平稳健康发展的通知》,直指“开门红”诸多乱象,要求保险市场平稳健康发展。
随着银保渠道逐渐落实“报行合一”后,各家险企银保渠道新单收入均有所下降。近日,《险企高参》发现,金监总局相关司局也在抓紧启动经代渠道的“报行合一”工作,经代渠道的寿险产品迎来集中调整。
一家大型保险中介的经纪人表示,“当前已经有一些产品下架了,下一步是重新签协议,再重新上架。而且,很明显感觉到佣金降了,储蓄型保险产品佣金下降尤其明显。”
据悉,目前已有长城人寿、信美相互、中英人寿、信泰人寿、中意人寿等公司十余款养老年金和增额终身寿险产品在保险经代公司下架。下架潮引发的抢购甚至让某保险经纪公司的内部系统无法支持投保。
业内人士预测,
随着个险、经代渠道“报行合一”的持续跟进,险企保费收入增长速度有可能会进一步放缓。
信达证券在研报中分析,从2月当月保费来看,新华保险、人保寿险仍同比双位数负增长,这主要是因为公司在报行合一和预定利率下调的背景下,主动压降趸交产品,不再一味以趸交等低价值产品扩大规模,其中人保寿长险趸交保费同比-45.6%,期交首年保费则仅仅小幅-5.9%。随着个险、经代渠道“报行合一”有望持续跟进,保费预计将持续维持波动,但业务结构有望持续优化,并带动NBV提升表现。
来源:险企高参
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#2c2c2c;--weui-FG-0: rgba(255, 255, 255, .85);--weui-FG-HALF: rgba(255, 255, 255, .65);--weui-FG-1: rgba(255, 255, 255, .55);--weui-FG-2: rgba(255, 255, 255, .35);--weui-FG-3: rgba(255, 255, 255, .1);--weui-FG-4: rgba(255, 255, 255, .15);--weui-FG-5: rgba(255, 255, 255, .1);--weui-RED: #fa5151;--weui-ORANGERED: #ff6146;--weui-ORANGE: #c87d2f;--weui-YELLOW: #cc9c00;--weui-GREEN: #74a800;--weui-LIGHTGREEN: #3eb575;--weui-BRAND: #07c160;--weui-BLUE: #10aeff;--weui-INDIGO: #1196ff;--weui-PURPLE: #8183ff;--weui-WHITE: rgba(255, 255, 255, .8);--weui-LINK: #7d90a9;--weui-TEXTGREEN: #259c5c;--weui-FG: #fff;--weui-BG: #000;--weui-TAG-TEXT-RED: rgba(250, 81, 81, .6);--weui-TAG-BACKGROUND-RED: rgba(250, 81, 81, .1);--weui-TAG-TEXT-ORANGE: rgba(250, 157, 59, .6);--weui-TAG-BACKGROUND-ORANGE: rgba(250, 157, 59, .1);--weui-TAG-TEXT-GREEN: rgba(6, 174, 86, .6);--weui-TAG-BACKGROUND-GREEN: rgba(6, 174, 86, .1);--weui-TAG-TEXT-BLUE: rgba(16, 174, 255, .6);--weui-TAG-BACKGROUND-BLUE: rgba(16, 174, 255, 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#259c5c;--weui-FG: #fff;--weui-BG: #000;--weui-TAG-TEXT-RED: rgba(250, 81, 81, .6);--weui-TAG-BACKGROUND-RED: rgba(250, 81, 81, .1);--weui-TAG-TEXT-ORANGE: rgba(250, 157, 59, .6);--weui-TAG-BACKGROUND-ORANGE: rgba(250, 157, 59, .1);--weui-TAG-TEXT-GREEN: rgba(6, 174, 86, .6);--weui-TAG-BACKGROUND-GREEN: rgba(6, 174, 86, .1);--weui-TAG-TEXT-BLUE: rgba(16, 174, 255, .6);--weui-TAG-BACKGROUND-BLUE: rgba(16, 174, 255, .1);--weui-TAG-TEXT-BLACK: rgba(255, 255, 255, .5);--weui-TAG-BACKGROUND-BLACK: rgba(255, 255, 255, .05)}}@media screen and (min-width:1024px) and (prefers-color-scheme:dark){body:not(.pages_skin_pc) .wx-root:not([data-weui-theme=light]),body:not(.pages_skin_pc) body:not([data-weui-theme=light]){--appmsgExtra-BG: #121212}}@media(prefers-color-scheme:dark){body:not([data-weui-theme=light]).my_comment_empty_data{background-color:#111}}body,.wx-root{--weui-BG-6: rgba(0, 0, 0, .05);--weui-ACTIVE-MASK: rgba(0, 0, 0, .05)}body,.wx-root{--weui-REDORANGE: #ff6146;--weui-BG-0: 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