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两大寿险巨头竞争“白热化”:国寿19%市场份额VS平安39%增速

2017-08-28 07:22:06   中国经济网

但不容质疑的是,平安人寿和中国人寿作为寿险领域两大巨头,其竞争是更为激烈的,这也不再是当年中国人寿曾喊话“三分天下有其一”的那个寿险市场了。在8月25日召开的中国人寿2017年中期经营业绩发布会上,中国人寿董事长杨明生也对“三分天下有其一”的豪言壮志做出了回应。

“此前提出‘三分天下有其一’,这个目标要长期实现是不可能的。”杨明生表示,因为寿险业市场主体不断增加,竞争更加激烈。

“招兵买马”攻占期交业务市场

作为竞争的对手,中国人寿和平安人寿可谓是“死敌”,但这二者的业务结构发展却惊人相似。

从上半年业绩报告来看,在整个上半年,二者均在业务“含金量”较高的个险渠道投入了较多精力。半年报数据显示,截至2017年6月30日,中国人寿销售总人力达193.7万人,较2016年底增长6.8%;平安人寿代理人规模达132.5万,较年初增长19.3%,人均首年规模保费同比增长18.2%。“大型寿险代理人的大幅扩张,是金融同业景气度下降和政策引领保险业发展共同作用的结果,代理人规模的大幅扩张的趋势有望在未来延续。”此前,有保险业内人士在与《每日经济新闻》记者交流时表示。

值得注意的是,二者大肆“招兵买马”也给公司带来保费数量和质量上的增长。半年报显示,2017年上半年,在中国人寿新单保费中,首年期交保费达777.11亿元,同比增长10.8%;趸交保费为613.50亿元,同比下降10.6%;十年期及以上首年期交保费达370.42亿元,同比增长9.0%。续期保费达1804.95亿元,同比增长39.0%。

从业务质量来看,截至今年6月末,中国人寿首年期交保费占长险首年保费的比重达55%,同比提高5%;十年期及以上首年期交保费在首年期交保费中的占比47%,继续保持较高水平;续期保费占总保费的比重达52%,同比提高7.7%。

而平安人寿方面,亦是如此。数据显示,2017年上半年,平安寿险及健康险业务的新业务价值为385.51亿元,同比增长46.2%。此外,平安寿险剩余边际余额达到5453.29亿元,较2016年末增长19.9%,而原因是来自于新业务强劲增长的贡献。

除此之外,专注科技领域,也成为中国人寿和平安人寿的一个发展共同加码的方向之一,也在两家公司未来发展中,占据了重要位置。

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