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中小寿险转型路径分化:华夏、国华份额坚挺

2017-09-12 07:22:24   中国经济网

保监会数据显示,2013年,富德生命人寿、华夏人寿、前海人寿、珠江人寿、瑞泰人寿和国华人寿的总保费收入分别是707.9亿元、369.6亿元、143亿元、17.1亿元、37.4亿元和105.7亿元。其中“保户投资款新增交费”保费收入为485.5亿元、332亿元、139.1亿元、16.9亿元、35.1亿元和82亿元,在总保费中占比达到68.6%、89.8%、97.8%、98.6%、93.7%和78%。2013年,这六家的市场份额分别为:5.04%、2.63%、1.02%、0.12%、0.27%和0.75%,整体加起来占行业市场的9.83%。

在以后的这几年里,这六家持续以万能险业务为主业,并实现了保费规模的高增长。2014年,富德生命人寿、华夏人寿、前海人寿、珠江人寿、瑞泰人寿和国华人寿总保费收入分别为695.1亿元、705.2亿元、348.2亿元、100.7亿元、28.7亿元、184.3亿元,其中“保户投资款新增交费”保费占比为47%、95.5%、90%、99%、89.4%和76.3%;2015年,富德生命人寿、华夏人寿、前海人寿、珠江人寿、瑞泰人寿和国华人寿总保费收入分别为1651.9亿元、1572.1亿元、799.3亿元、211.3亿元、35亿元和477.2亿元,其中“保户投资款新增交费”保费占比为52%、96.7%、77.7%、99.4%、57.7%和45.7%;2016年,富德生命人寿、华夏人寿、前海人寿、珠江人寿、瑞泰人寿和国华人寿总保费收入分别为1702.9亿元、1831.6亿元、1003.1亿元、233.9亿元、26.7亿元和485亿元,其中“保户投资款新增交费”保费占比为40%、75.2%、78%、35.4%、82%和33%。

在这三年中,上述六家公司的总保费规模实现了不同程度的增长,前海人寿和珠江人寿甚至实现了10倍左右的增长,瑞泰人寿的保费规模虽未出现大幅增长,但万能险业务一直是支撑其发展的主力。凭借快速发展,截至2016年底,富德生命人寿、华夏人寿、前海人寿、珠江人寿、瑞泰人寿和国华人寿的市场份额分别涨到了4.9%、5.3%、2.19%、0.67%、0.08%和1.4%。而这六家的这整体市场份额也从最初的9.83%扩大为14.54%。

但这种高增长模式和业务结构在2016年万能险新规出台后,出现了极速刹车。保监会数据显示,截至2017年7月份,富德生命人寿、华夏人寿、前海人寿、珠江人寿、瑞泰人寿和国华人寿总保费收入分别为890.2亿元、1259.9亿元、236亿元、162.5亿元、12.1亿元和375.6亿元,保费收入较去年同期分别减下降31%、13%、63.6%、6.3%、49.8%、4.9%。

根据保险业销售的惯例,新年伊始的开门红之后至上半年结束,当年保费收入的业绩已经基本可以反映当年的业绩状况,下半年保费收入大增的可能性不大。再加上今年10月份新规的实施,下半年保费收入不会出现大幅变化。从目前的状况来看,这六家的保费收入较去年是下降的。

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