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光大永明投连险保费劲减近八成 账面亏损扩大

2017-08-28 17:46:15   中国经济网

在全行业投连险比例呈现整体下降的趋势下,公司已经主动将业务重点转移到风险保障型和长期储蓄型产品销售上,转型已初见成效。

光大永明人寿一度以投连险业务作为公司保费收入的主要来源。在保监会要求保险淡化投资、回归保障功能的监管政策导向下,光大永明人寿从去年起谋求转型,大力压缩投连险业务的基数及比例。

保监会公布的数据显示,今年上半年,光大永明投连险保费收入为36亿元,同比下降近80%,而占总规模保费收入的比例,亦从2016年年末的76%劲减至47%。投连险保费收入的大幅下降,短期内也导致了该公司规模保费收入的下降。据了解,今年上半年光大永明总规模保费为77亿元,同比降幅高达64%。

目前,光大永明正处于保费收入结构调整的转型过程中,对此,公司方面对《投资者报》记者表示,目前,在全行业投连险比例呈现整体下降的趋势下,公司已经主动将业务重点转移到风险保障型和长期储蓄型产品的销售上,重点关注与之相关的原保费收入、续期率及新业务价值等指标。

投连险曾是心头爱

光大永明与投连险的缘分应该说是从2014年开始的,保监会公布的数据可以佐证这一观察。数据显示,2013年,光大永明的投连险保费收入仅有772万元,占总规模保费的比例仅有0.1%,2014年,公司投连险保费收入激增至216亿元,占总规模保费的比例已经达到69%,成为当年投连险保费收入最多的寿险公司之一。

近年来,光大永明在类固定收益型投连险账户上表现一直不错。华宝证券发布的《中国投连险分类排名2017/6》显示,今年上半年,公司类固定收益型账户中,光明财富稳定收益(2.93%)和光大永明光明2号(2.15%)均排名同类账户前列。此外,记者发现,公司在腾讯理财上售卖的多款投连险产品如定活宝730、定活宝520的收益率均超过4.5%,而在8月24日当日,这些产品均已经售罄。

投连险能够给光大永明带来利润是公司大力发展投连险的原因之一。此外,从公司此前接受媒体采访时透露的信息中还可以发现另一个光大永明之所以选择投连险业务的原因,就是希望能够通过类固定收益投连险打造一个对公司具备良好体验和忠诚度的客户群,并且通过这个客户群带动保障型产品的发展销售,进而实现公司业务规模的快速增长。

公司称尚未殃及利润

不过,从目前来看,公司发展投连险从而带动保障型产品的目的并未如愿实现,投连险一直是公司业务的大头,占总规模保费收入的比例一直徘徊在70%至80%。而现如今,面临着监管层“保险姓保”、规则趋严的政策导向,以投资收益赢取客户芳心的投连险显然已不符合回归保障的精神。

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