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偿债能力弱化 安邦人寿信用评级下调

2017-08-24 09:00:00   中国经济网

随着监管政策的调整,部分保险公司偿债环境承压,信用评级也面临被下调的风险。8月23日,大公国际资信评估有限公司对外发布消息称,决定将安邦人寿主体信用等级由AAA下调至AA+,评级展望维持负面。安邦人寿偿债环境承压,财富创造能力减弱,偿债来源恶化,偿债能力的支撑条件弱化,信用状况出现下降。

大公国际下调安邦人寿主体和债项信用等级的主要原因主要包括监管政策调整、保险业务拓展受限、偿债来源恶化等多种原因。其中,监管政策调整被列首位。对此,大公国际表示,防控金融风险的重要性和紧迫性日益凸显,旨在强化保险监管、打击违法违规行为、整治市场乱象的政策措施相继出台,理财型中短存续期人身保险产品的开发和销售受到严格限制,不当投资行为受到严厉惩处,债券发行和股东增资审批有所收紧。同时,资本市场投资资产配置难度持续较高,境外投资监管力度明显加强。外部环境的调整变化导致安邦人寿流动性管理压力上升,投资收益率下降,资本补充渠道受限,现有经营模式面临较大挑战。

在保险业务方面,大公国际认为安邦人寿保险业务拓展受限,财富创造能力减弱。据了解,2017年5月,安邦人寿因违反监管规定受到保监会暂停两款产品使用以及自监管函下发之日起3个月内禁止申报新产品处罚,保险资金获取能力下降。同时,偿债环境的变化进一步加剧安邦人寿资金获取和资金运用难度。受此影响,尽管安邦人寿2017年1-6月整体保费规模在一季度的支撑下仍位居行业前列,但原保险保费收入和规模保费收入自二季度起大幅减少,盈利水平显著下降,财富创造能力减弱。

此外,多种因素叠加,偿债来源恶化。大公国际表示,安邦人寿的偿债来源主要包括盈利、经常性收入、债务融资、可变现资产和外部支持。目前,除即期变现投资资产对保险责任负债的保障程度以及综合流动性比率仍处于较高水平外,2017年1-6月安邦人寿发生净亏损,经常性收入大幅下降,债务融资渠道的可获性降低,外部支持因控股股东风险事件影响受到削弱。多种因素叠加,安邦人寿偿债来源出现恶化。

安邦人寿前期销售的理财型中短存续期保险产品形成的保险债务规模很大,主要通过内保外贷形式开展海外投资业务所形成的债务负担较重。因此,大公国际认为,安邦人寿债务负担较重,偿债能力的支撑条件弱化。受偿债环境承压、财富创造能力减弱影响,安邦人寿可用偿债来源对存量债务的保障能力下降,新增债务空间有所收缩,偿债能力的支撑条件出现弱化。短期内,在人身保险行业发展进入调整期的背景下,安邦人寿财富创造能力的改善面临较大挑战,偿债来源持续存在不利因素影响,未来信用状况存在进一步下降风险。

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