保险业“瘦身”持续！年内已有2565家险企分支机构退出

Core Insights - The insurance industry is undergoing a significant restructuring, with a notable increase in the number of branch closures, indicating a shift in market strategy and resource allocation [1][2][4] Group 1: Market Trends - As of October 22, 2023, a total of 2,565 insurance branch offices have exited the market this year, representing a 60% increase compared to the same period last year [1] - The closures predominantly involve lower-tier branches, with 646 from property insurance companies and 1,919 from life insurance companies [1] - The focus of these closures is primarily in third and fourth-tier cities and some rural areas, where market capacity is limited and recruitment is challenging [1] Group 2: Factors Driving Change - Rising costs in rent and labor have made it difficult for branches in lower-tier cities to achieve a favorable input-output ratio, leading to a reevaluation of physical locations [2] - The proliferation of digital services, such as online self-service insurance purchases and remote underwriting, has diminished the functional value of traditional physical branches [2][4] Group 3: Impact on Workforce - The overall number of insurance industry practitioners has been declining, with life insurance company agents decreasing from a peak of 9.12 million in 2019 to 2.64 million by 2024, a reduction of over 6.48 million, or more than 70% [4] - The decline in workforce numbers has slowed, with a decrease of only 7.8% from the end of 2023 to the end of 2024 [4]