网点裁撤、退出市场，保险机构前三季度在布局思路方面动作不断。10月8日，北京商报记者通过金融监管总局披露的信息发现，今年前三季度，保险公司 共撤销2436家分支机构，数量同比增长21.07%，另有163家保险中介机构退出市场，较2024年多出近百家。 今年前三季度保险机构裁撤数量较大的原因有哪些？保险公司分支机构裁撤以及保险中介机构退出市场，又将如何影响市场？ 前三季度上千家"主体"收缩 作为"毛细血管"，保险公司分支机构网点担当着深入本地市场，将保险产品与服务的"最后一公里"送达客户的重任。需要关注的是，今年前三季度，保险公 司裁撤分支机构数量明显增长，全国保险公司共撤销2436家分支机构，新设仅268家，净减少近2000家。 放眼2020年至2024年五年间，合计超过1.2万家机构被注销，被裁撤的保险公司及分支机构数量分别为980家、2196家、3020家、2065家和2012家。 具体来看，被撤销的分支机构主要集中于人身险公司，且以支公司及营销服务部为主。在区域特征方面，这些被裁撤的机构大多分布在县域地区以及三、四 线城市。 值得注意的是，今年以来，一张张罚单"剑指"包括华夏人寿、天安人寿、天安财险在内 ...

Core Viewpoint - The insurance intermediary sector in China is undergoing a significant contraction due to stricter regulations, intensified market competition, and the need for industry consolidation, leading to a substantial number of institutions exiting the market [1][2][4]. Group 1: Regulatory Environment - Since 2025, the Jilin Provincial Financial Regulatory Bureau has been actively optimizing the insurance intermediary market, resulting in the cancellation of 62 insurance professional intermediary institutions by mid-June, a decrease of 11.7% from the beginning of the year [1]. - The regulatory authorities have initiated a "cleaning and quality improvement" campaign aimed at eliminating non-compliant and weak institutions, with a goal to streamline the market over the next three years [2][4]. - The number of insurance professional intermediary institutions has been declining for six consecutive years, with a total of 103 institutions exiting the market from 2019 to 2024 [2]. Group 2: Market Competition - The insurance intermediary sector has faced increasing competition from internet platforms and large insurance companies that are establishing their own channels, which has squeezed the traditional intermediaries' market space [3]. - Many traditional intermediaries are struggling to adapt to the digital transformation, leading to their natural elimination from the market [3][4]. Group 3: Industry Trends - The implementation of the "reporting and execution consistency" policy has significantly compressed the profit margins for insurance intermediaries, with average commission levels dropping by 30% across the industry [5]. - The market is witnessing a shift where intermediaries must transition from being "product salespeople" to "risk management consultants," enhancing their professional capabilities to provide tailored solutions [9]. - New insurance intermediaries focusing on technology and risk management services are gaining traction in the capital market, with several planning to go public [8]. Group 4: Strategic Recommendations - To thrive in a competitive environment, insurance intermediaries should enhance service quality, leverage advanced technologies like big data and AI, and deepen customer relationships [8][9]. - Emphasizing compliance and building brand trust are essential for long-term success in a regulated market [9].

Core Viewpoint - The insurance intermediary sector in China is undergoing a significant contraction, driven by stricter regulations, intensified market competition, and the need for industry consolidation [3][5][9]. Regulatory Environment - Since 2025, the Jilin Provincial Financial Regulatory Bureau has been actively optimizing the insurance intermediary market, resulting in the cancellation of 62 insurance intermediary institutions by mid-June, a decrease of 11.7% from the beginning of the year [1]. - The national trend shows a continuous decline in the number of insurance intermediaries, with a total of 103 institutions exiting the market over the past six years [3][4]. Market Competition - The competitive landscape has become increasingly fierce, with internet platforms and large insurance companies establishing their own channels, thereby squeezing the survival space of traditional intermediaries [4][5]. - Many traditional intermediaries are struggling to adapt to digital transformation, leading to their natural elimination from the market [4][9]. Industry Consolidation - The insurance intermediary market is experiencing consolidation, with larger institutions acquiring smaller ones to expand market share and service range [5]. - The average commission level across the industry has decreased by 30% due to the implementation of the "reporting and execution consistency" policy, which has pressured intermediaries to transform their business models [7][8]. New Value Positioning - To remain competitive, insurance intermediaries must transition from being "product salespeople" to "risk management consultants," enhancing their professional capabilities to offer tailored protection plans [9]. - Embracing digitalization through big data and artificial intelligence is essential for optimizing operations and improving customer engagement [9]. - Focusing on niche markets or specific scenarios to create specialized brands can provide a competitive edge [9]. Emerging Trends - New insurance intermediaries that focus on technology and risk management services are gaining traction in the capital market, with several planning to go public [10].

成立三年有余的比亚迪保险经纪有限公司（以下简称"比亚迪保险经纪"）宣布启动注销程序。4月22日，北京商报记 者了解到，比亚迪保险经纪于4月17日发布注销公告称，因决议解散，拟向公司/农民专业合作社登记机关申请注销登 记。比亚迪保险经纪注销仅是冰山一角，随着保险中介牌照审批门槛提高，从蔚来到小鹏等新能源车企，还出现 了"先设立－设立无果转收购—再注销原公司"的局面。 | 企业名称 | 比亚迪保险经纪有限公司 | | --- | --- | | 统一社会信用代码/注册号 | 91440300MA5H8X0T2W | | 登记机关 | 深圳市市场监督管理局 | | 清算组备案日期 | 2025年04月17日 | | 清算组成立日期 | 2025年04月16日 | | 注销原因 | 决议解散 | | 清算组办公地址 | 广东省深圳市坪山新区比亚迪六角大楼B区266室 | | 清算组联系电话 | 13632995212 | | 清算组负责人 | 陈瑶 | | 清算组成员 | 刘轩辰,陈瑶,程玲 | | 企业名称 | 比亚迪保险经纪有限公司 | | | --- | --- | --- | | 统一社会信用代码/注册号 | ...