险企“瘦身”：平均每天撤销近5家机构 泰康、国寿超百家

Core Viewpoint - The insurance industry is undergoing significant restructuring, with 644 branches being closed as of May 12, 2023, indicating a trend of "downsizing" among insurance companies [2][3][4]. Group 1: Industry Trends - An average of nearly 5 branches are being closed daily, reflecting intensified market competition, business restructuring, and cost control measures [2][8]. - The number of closed branches has consistently exceeded 2,000 annually from 2021 to 2023, with projections for 2024 also exceeding 1,900 [3]. Group 2: Company-Specific Actions - Major companies like Taikang Life and China Life have closed over 100 branches each this year, with Taikang Life closing 136 and China Life 120 [5][6]. - Taikang Life's closures are primarily in lower-tier cities due to declining consumer capacity and willingness, while China Life's closures are concentrated in Guizhou and Fujian [5]. Group 3: Regional Impact - The highest number of closures has occurred in regions such as Fujian, Hebei, Henan, Shandong, and Jiangsu, with both Fujian and Hebei seeing over 60 closures [4]. - Notable closures also occurred in major cities like Beijing and Shanghai, affecting various insurance branches [4]. Group 4: Shift to Online Services - The trend of closing branches is accompanied by a shift towards online services, as companies aim to maintain service quality through online consultations, insurance applications, and claims processing [2][8]. - Companies are focusing on enhancing their online service platforms and optimizing customer service processes to mitigate the impact of branch closures [8]. Group 5: Telephone Sales Decline - Among the closed branches, 10 telephone sales centers have been shut down, indicating a growing trend of declining sales through this channel [9][10]. - The telephone sales channel has seen a continuous decrease in premium collection since its peak in 2018, attributed to the rise of digital information channels and consumer resistance to unsolicited calls [10].