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连连亏损 高管频换 天安人寿转型挑战重重

2017-09-01 07:26:32   中国经济网

作为曾经的万能险大户,天安人寿这家中小保险公司,因为业绩大幅亏损、高管频繁变动再次进入公众视野。

近期,天安人寿在官网发布公告称,公司法定代表人将变更为陈玉龙并获监管批复。强监管下,作为曾经的万能险大户,摆在天安人寿面前的业务转型、盈利压力等挑战愈来愈大。

上半年巨亏近8亿

天安人寿为“明天系”实际控制险企,多年以来,一直处于亏损状态,直到2015年凭靠万能险才实现盈利,是以资产驱动负债的“代表”性寿险公司。

数据显示,2010年至2014年天安人寿净利润分别亏损1347万元、1.78亿元、3.8亿元、7.1亿元、2.6亿元。而2015年凭借当时红极一时的万能险,天安人寿扭亏为盈,当年实现净利润为2969万元,2016年更是“一飞冲天”盈利4.3亿元。不过,好景不长,2016年年末开始,短期万能险这种激进方式实现弯道超车的路径被监管喊停。

踩下急刹车后,天安人寿的净利润一落千丈。其最新公布的二季度偿付能力报告显示,截至今年二季度末,天安人寿亏损额达到7.73亿元,与去年末实现净利润4.3亿元相比,净利润遭遇“滑铁卢”。

此外,天安人寿的保险业务收入在上半年也出现了大幅下降,从第一季度的232.3亿元降至第二季度的106.9亿元,直接腰斩。

不过,天安人寿的保费收入还保持在高增长态势,并且仍然是万能险大户。从1月至6月天安人寿原保险保费收入情况看,公司实现原保费收入339亿元,保户投资款新增交费(万能险为主)216亿元;而去年同期,天安人寿的原保费收入为180亿元,保户投资款新增交费(万能险为主)为207亿元。

在保险行业尤其是万能险严监管的大背景下,天安人寿的万能险收入还在逆势增长,但净利润却出现大幅亏损,业内人士指出,这应该是投资收益下滑导致的。公开数据显示,2016年天安人寿的投资收益率为11.7%,而2017年第一季度仅为1.6%,第二季度持续下滑。

天安人寿相关负责人表示,今年上半年之所以出现亏损,一方面是公司加大了对各业务渠道的投入力度,投入费用环比有较大增长。特别是为了保证新筹机构保持较高水平,加大了对分级机构在硬件筹建和软实力提升方面的费用投入。另一方面,在监管趋严且资金规模快速增长、投资市场出现“资产荒”的不利市场环境下,公司选择了稳健的资产配置原则,导致阶段性的投资收益率偏低。

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