中国保险业“十四五”收官：保费收入稳居世界第二 5年赔付9万亿元

Core Insights - The Chinese insurance industry has achieved significant growth in both scale and stability during the "14th Five-Year Plan" period, with a total compensation amount of 9 trillion yuan, marking a 61.7% increase compared to the previous five years [1][4]. Group 1: Industry Growth and Performance - The insurance premium income from 2021 to 2025 shows a steady increase, reaching 56,963 billion yuan in 2025, with a year-on-year growth rate rising from 4.0% to 11.15% [2]. - By mid-2025, the total assets of the insurance industry reached 401,139 billion yuan, a 72% increase since December 2020 [2]. - The insurance industry's comprehensive solvency adequacy ratio improved to 204.5% by June 2025, an increase of 8.5 percentage points from the end of 2022 [3]. Group 2: Global Positioning - In 2024, China's insurance premium income accounted for 10.2% of the global market, solidifying its position as the second-largest insurance market, ahead of the UK by 4 percentage points [4]. - The gap in market share between China and the third-largest market has widened by 0.2 percentage points during the "14th Five-Year Plan" [4]. Group 3: Sectoral Contributions - Agricultural insurance has expanded significantly, providing risk coverage for 800 million farmers and increasing the average insurance amount per mu by 72% [5]. - The auto insurance sector has insured over 1.6 billion vehicles, a 40% increase from the previous five years [6]. - The insurance industry has provided over 10 trillion yuan in risk coverage for technological innovation projects during this period [7]. Group 4: Investment and Economic Support - By the second quarter of 2025, the balance of insurance fund investments reached 36.23 trillion yuan, supporting major national projects and infrastructure development [8]. - Insurance funds have invested over 5.4 trillion yuan in stocks and equity funds, an 85% increase from the end of the previous five-year period [8]. Group 5: Social Security and Stability - The commercial pension insurance sector has accumulated over 6 trillion yuan, covering nearly 100 million people, marking significant progress in the multi-tiered pension system [9]. - The insurance industry has also played a crucial role in healthcare, with commercial health insurance providing 1.8 trillion yuan in compensation for patients over the past five years [9]. - The disaster insurance system has expanded its coverage, with cumulative payouts exceeding 150 billion yuan for natural disasters during the "14th Five-Year Plan" [11].