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万能险占人身险比重下降19.45个百分点

2017-08-04 06:35:57   中国青年网

本报北京8月3日讯 记者江帆今天从中国保监会举行的上半年业绩新闻发布会上获悉:与今年上半年我国经济保持稳中向好态势相匹配,我国保险业也实现了平稳较快发展,行业风险防控能力进一步增强。

此外,保险业还在多种新经济领域大显身手,比如积极参与绿色智能交通、保障安全出行:针对共享单车推出专门保险产品,为共享经济发展提供风险保障;在人工智能方面,保险业正逐渐将人工智能技术应用于各业务流程和服务环节,实现承保、核保、定损、理赔和客服等功能智能化,有力提升运营效率和服务水平。

今年上半年保险业的另一个看点则是“保险业姓保”特色的强化,保障民生的意味更浓。

人身险公司业务中,具有长期稳健风险管理和保障功能的普通寿险业务规模保费占比52.91%,较去年底上升16.71个百分点;万能险占比17.4%,下降19.45个百分点;分红险占比28.80%,上升5.04个百分点。

值得注意的是,在保险业务保持较快增长的同时,增速有所放缓。上半年保险业务的增速同比下降了14.29个百分点。这可能与整个业界正在纵深推进的业务结构和监管强化相关。

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