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7月寿险“老七家”份额升至57%

2017-09-12 07:33:33   中国经济网

每经实习记者 胡杨 每经编辑 赵桥

在保监会数度发文规范人身险,强化万能险产品监管的背景下,寿险市场的业务结构调整显著。具体表现为:全行业的原保险保费收入强势增长,绝大多数险企的原保险保费收入占规模保费收入比重持续回升,中短存续期业务保费出现断崖式下跌,“保险姓保”的监管理念逐步得到落实。

《每日经济新闻》记者注意到,从保监会定期披露的统计数据来看,凭借业务上较强的“保障”属性,“老七家”整体的市场份额实现回弹。今年7月,“老七家”的规模保费收入之和在寿险行业所占的比重为56.79%。

具体到个体来看,在市场份额方面,以泰康为代表的几家险企均呈现保守回升态势。除此之外,也有部分险企,如国寿及新华目前的份额与其2011年的“巅峰状态”尚存在一定差距。

“老七家”仍占寿险“半壁江山”

近日,保监会公布了今年前七个月的保费数据。《每日经济新闻》记者据此统计发现,进入2017年以来,在中短存续期新政的持续影响下,寿险市场的业务结构调整显著,寿险界“老七家”的市场份额也随之回升。

具体来说,今年1~7月,“老七家”的规模保费收入之和在寿险行业所占的比重分别为:54.92%、36.91%、50.86%、55.45%、60.92%、62.87%和56.79%。除2月份有安邦人寿异军突起外,相较于万能险“井喷”时期,“老七家”整体的市场份额有了明显攀升。

人身险行业的“老七家”,指的是国寿、平安、太保、新华、泰康、人保和太平。正值顶峰的2011年,这七家保险公司曾豪取寿险界八成有余的规模保费收入,市场份额一度达到了83.16%。

不久之后,万能险之风乍起,搅动了这平静的“一池春水”。2013年起,部分中小险企凭借中短存续期产品“弯道超车”,“老七家”的市场份额也开启了“四年连跌”模式。据记者统计,2013年至2015年,“老七家”的规模保费收入占全行业之比分别是:70.34%、62.95%和50.17%。到了2016年,这一指标触底,为45.59%。就在这一年,曾豪迈提出“寿险主业‘三分天下有其一’”的国寿也只能眼睁睁地看着自家的市场份额下滑到17.28%。

不过,“老七家”所遭遇的“滑铁卢”并没有持续多久。为防止快速发展的万能险给保险业乃至金融市场带来更大的风险隐患,监管层开始密集发文规范人身险。

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