仅两家盈利，新三板保险中介为何越来越难？

Core Insights - The overall performance of insurance intermediaries listed on the New Third Board is declining, with only one out of seven companies reporting a profit, while the others are facing losses or reduced profits [1][3]. Group 1: Financial Performance - As of May 5, seven insurance intermediaries have disclosed their 2024 annual reports, collectively reporting a net loss of 516,900 yuan, with only Yizheng Insurance achieving a net profit of 881,800 yuan [3]. - The total revenue for these seven companies reached 1.043 billion yuan in 2024, with four companies experiencing revenue growth, while the remaining three saw a decline [3]. - Yizheng Insurance attributed its profit growth to effective incentive policies and a 15.75% increase in revenue, while Runsheng Insurance reported a net loss of 884,700 yuan due to a decrease in revenue without a corresponding reduction in management costs [3]. Group 2: Industry Challenges - The insurance intermediary sector is facing intense competition, particularly from larger firms, making it difficult for smaller companies to capture market share [4]. - High operational costs, including labor, technology investments, and compliance costs, are placing significant financial pressure on these firms [4]. - The market is experiencing severe product and service homogenization, which is contributing to profitability challenges [4]. Group 3: Market Dynamics - The number of insurance intermediaries on the New Third Board has significantly decreased from over 30 at its peak to single digits due to delistings and transitions to other business models [7]. - Companies like Huakai Insurance are facing suspension and potential delisting for failing to disclose annual reports on time [7]. - Some firms are pivoting to new business areas, such as Min Tai An, which has rebranded to focus on artificial intelligence hardware sales, moving away from insurance-related services [7]. Group 4: Strategic Directions - To adapt to the evolving market, insurance intermediaries need to enhance service quality, increase customer loyalty, and pursue high-quality development [8]. - Companies are focusing on business structure adjustments and increasing technology investments, with examples including the development of mobile sales tools and e-commerce channels [8]. - Experts suggest that intermediaries should leverage technology, strengthen partnerships with large insurance companies, and focus on brand building and market segmentation to meet diverse customer needs [9].