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8月份人身险保费收入同比劲增47%
Zheng Quan Ri Bao· 2025-09-28 16:07
国家金融监督管理总局日前发布的保险业经营数据显示,今年前8个月,保险业取得保费(为原保险保 费,下同)收入约4.8万亿元,同比增长9.6%。其中,8月份单月保费收入5914亿元,同比增长35.6%。 业内人士认为,8月份单月保费收入同比增速显著高于前8个月整体保费增速,与人身险预定利率切换有 紧密关系。预定利率切换完成后短期内保费可能有所下降,但长期来看将继续保持平稳增长。 预期驱动是主因 分险种来看,今年前8个月,人身险保费收入约3.8万亿元,同比增长11.3%;财产险保费收入约1万亿 元,同比增长3.6%。 对此,龙格认为,这可能主要受三方面因素影响:一是今年大灾对保险业的影响相对较小,二是新能源 车险综合成本率逐步下降,三是保险公司完善精细定价和理赔管理。 部分险企披露了相关情况。例如,据人保财险总裁于泽近期介绍,今年上半年,人保财险累计受大灾损 失净额为25.1亿元,同比下降38.3%。同时,人保财险、平安产险、太保产险等险企皆披露,今年上半 年,新能源车险保费持续增长,成本可控,承保端已经实现承保盈利。在精细定价和理赔管理方面,多 家险企表示,要持续加强大数据、人工智能的应用,提升定价能力,同时,强 ...
4796亿元,人身险8月单月保费增长接近五成!
Mei Ri Jing Ji Xin Wen· 2025-09-28 10:33
日前,金融监管总局发布今年前8个月保费数据。数据显示,我国保险业实现原保险保费收入4.8万亿元,同比增长9.63%。其中,财产险保费收入1万亿 元,同比增长3.65%,人身险保费收入3.8万亿元,同比增长11.32%。 前8月保险业经营情况 图片来源:金融监管总局 数据显示,保险业8月实现原保费收入5914亿元,同比增长35.61%,增速较7月提升15.9个百分点。其中,人身险原保险保费收入4796亿元,同比增长 47.25%,环比增速提升21.2个百分点。分业务来看,寿险保费在8月人身险公司保费增速中扮演了较为重要的角色,8月单月寿险保费收入3985亿元,同比 增长61.5%。 8月人身险保费大增近五成 值得一提的是,受预定利率下调影响,人身险8月份保费大增。保险业8月实现原保费收入5914亿元,同比增长35.61%。其中,人身险原保险保费收入 4796亿元,同比增长47.25%。 对此,业内分析称,市场保险需求依然旺盛,以及9月预定利率下调推动人身险需求提前释放,是人身险保费快速增长的主要原因。 今年初,保险行业保费曾陷入负增长,但自3月份起,随着人身险保费探底回升,保险行业原保险保费收入重回正增长,且增 ...
平安人寿北分:今年前8月累计理赔超12亿元
Bei Jing Shang Bao· 2025-09-26 12:46
在发生重大事件时,平安人寿北分快速响应。今年7月,北京遭遇极端强降雨灾害,平安人寿北分第一 时间启动理赔应急预案,开启理赔绿色通道。7小时内完成首笔赔款,支付30548.18元,充分发挥保险 作为社会稳定器的重要作用。 北京商报讯(记者 胡永新)9月26日,北京商报记者了解到,近日,平安人寿北京分公司(以下称"平 安人寿北分")发布的数据显示,截至2025年8月,平安人寿北分累计承保新契约11.6万件,为客户提供 人身险保障134.9亿元,重疾险保障54.6亿元。单件承保最高人身险保额1亿元,最高成人重疾险保额 244.6万元,最高少儿重疾险保额226.1万元,年金险产品最高承保保费1000万元,筑牢家庭保障防线。 理赔赔付案件13.8万件,其中医疗理赔占比最高,达93%;理赔金额12.2亿元,豁免保费2亿元,其中重 疾理赔金额占比最高,达63.7%。通过科技赋能,平安人寿北分共计完成30分钟内闪赔案件5.6万件,闪 赔金额共计4896.2万元。 平安人寿北分利用AI技术赋能业务全流程,推出"111极速赔",通过"一句话报案""一键传材料""一分钟 审核",平均2分钟即可完成理赔报案、理赔申请全流程平均仅需1 ...
人身险营销员总数连续5年下降,“客户资源枯竭”成离开主因
Nan Fang Du Shi Bao· 2025-09-18 04:20
9月16日,《中国保险中介市场生态白皮书》(简称《白皮书》)在深圳正式发布。 2024年全年,中国内地原保险保费收入5.7万亿元,同比增速从2023年的9.1%,上升到2024年的11.2%。 其中,人身险保费同比增速从2023年的9.9%提升至2024年的13.3%。《白皮书》指出,就2024年中国保 险业保费收入而言,无论是规模还是同比增速,均保持在上升通道,稳中有进。 不过,在行业增长的大背景下,人身险公司保险营销员人数却继续缩水。截至2024年年末,人身险公司 保险营销员人数降至264万人,连续5年下降,与2019年高峰时期的912万人相比,缩水超七成。《白皮 书》指出,2024年末的264万人与2023年末的281万人相比,降幅明显收窄,呈现企稳态势。 根据《白皮书》,在性别比例上,2025年保险营销员群体仍以女性为主,并保持着"二八分布"的特征。 其中男性保险营销员占比为23.06%,女性保险营销员占比达76.94%。值得注意的是,这是自2023年以 来,男性比例连续第三年上升。 据了解,《白皮书》由北京大学汇丰商学院风险管理与保险研究中心和保险行销集团保险资讯研究发展 中心联合发布。报告基础数据 ...
上半年A股五大上市险企共赚近1782亿元 归母净利润“四升一降”   
Zheng Quan Ri Bao· 2025-08-29 04:01
Core Insights - The five major A-share listed insurance companies reported a total net profit attributable to shareholders of 178.19 billion yuan for the first half of 2025, representing a year-on-year increase of 3.7% [1] - The overall performance of A-share listed insurance companies showed a "four increases and one decrease" trend in net profit, with notable growth in new business value for life insurance and a decline in comprehensive cost ratios for property insurance [2] Group 1: Financial Performance - China Ping An achieved the highest net profit of 68.05 billion yuan, while China Life reported a net profit of 40.93 billion yuan, up 6.9% year-on-year [2] - China Pacific Insurance's net profit reached 27.88 billion yuan, growing by 11%, and China People's Insurance's net profit was 26.53 billion yuan, increasing by 16.9% [2] - New China Life Insurance saw the highest growth rate in net profit at 14.8 billion yuan, with a year-on-year increase of 33.5% [2] Group 2: New Business Value - The new business value for life insurance companies showed significant improvement, with China Life's new business value increasing by 20.3% year-on-year to 28.55 billion yuan [2] - China Ping An's new business value for life and health insurance grew by 39.8%, with a new business value rate increasing by 9 percentage points [2] - New China Life achieved a new business value of 6.18 billion yuan, up 58.4%, while China Pacific Insurance's new business value reached 9.54 billion yuan, growing by 32.3% [3] Group 3: Property Insurance Performance - China People's Insurance's property insurance comprehensive cost ratio was 95.3%, the best level in nearly a decade [4] - China Ping An's overall comprehensive cost ratio was 95.2%, down 2.6 percentage points year-on-year, indicating strong profitability [4] - China Pacific Insurance's comprehensive cost ratio was 96.3%, a decrease of 0.8 percentage points from the previous year, reflecting improved underwriting profits [4] Group 4: Investment Strategies - Insurance companies increased their equity market investments, with China Life's public market equity scale increasing by over 150 billion yuan by mid-year [5] - China People's Insurance reported a 26.1% growth in A-share investment assets compared to the beginning of the year, with an increase in total investment asset proportion by 1.2 percentage points [5] - The focus on optimizing equity investment strategies aims to balance absolute and relative returns, as well as short-term and long-term gains [6]
上半年A股五大上市险企共赚近1782亿元
Zheng Quan Ri Bao· 2025-08-28 16:08
Core Viewpoint - The five major A-share listed insurance companies reported a net profit of 178.19 billion yuan for the first half of 2025, reflecting a year-on-year growth of 3.7% [1] Group 1: Financial Performance - The overall net profit of A-share listed insurance companies showed a "four increases and one decrease" trend, with China Ping An leading at 68.05 billion yuan, followed by China Life at 40.93 billion yuan, China Pacific Insurance at 27.88 billion yuan, China Property & Casualty Insurance at 26.53 billion yuan, and New China Life at 14.8 billion yuan, which had the highest growth rate of 33.5% [2] - The new business value of life insurance for major listed insurers saw significant growth, with China Life's new business value increasing by 20.3% year-on-year to 28.55 billion yuan, and China Ping An's new business value growing by 39.8% [2][3] Group 2: Underwriting Business - The comprehensive cost ratio for property insurance businesses among China Property & Casualty, China Ping An, and China Pacific Insurance all decreased year-on-year, indicating improved underwriting profits [3][4] - China Property & Casualty's comprehensive cost ratio was 95.3%, the best level for the same period in nearly a decade, while China Ping An's was 95.2%, down by 2.6 percentage points [4] Group 3: Investment Activities - The insurance companies increased their equity market investments, achieving better investment returns, with China Life's net investment yield at 2.78% and total investment yield at 3.29% [5][6] - China Property & Casualty reported a 26.1% increase in A-share investment assets compared to the beginning of the year, with a 1.2 percentage point rise in the proportion of total investment assets [6][7]
中国人保集团上半年承担风险保障金额1780万亿元
Xin Hua She· 2025-08-28 14:41
Core Insights - China Pacific Insurance Group reported a risk-bearing amount of 178 trillion yuan and compensation expenses of 233.5 billion yuan in the first half of the year, representing year-on-year growth of 6.9% and 14% respectively [1][2] - The company achieved premium income of 454.6 billion yuan, a year-on-year increase of 6.4%, with property insurance premiums at 323.3 billion yuan (up 3.6%) and life insurance premiums at 131.2 billion yuan (up 13.8%) [1][2] - The new business value for life insurance reached 8.8 billion yuan, marking a historical high for the same period [1] Financial Performance - The total investment income for the first half of the year was 41.5 billion yuan, setting a historical record for the same period [2] - The consolidated net profit for the first half of the year was 35.9 billion yuan, also a historical high [2] - As of June 30, the company’s total investment assets exceeded 1.7 trillion yuan, reflecting a growth of 7.2% since the beginning of the year [2] Operational Highlights - The comprehensive cost ratio for property insurance was 95.3%, the best level for the same period in nearly a decade [1] - The company provided risk protection for 127,000 high-tech enterprises and insured 6.16 million new energy vehicles, a year-on-year increase of 36.8% [1] - The scale of green investments reached 140.4 billion yuan, with a year-on-year growth of 13.6% [1] Capital Adequacy - As of June 30, the consolidated net assets were 389.5 billion yuan, a 6.1% increase from the beginning of the year [2] - The core solvency adequacy ratio was 219%, while the comprehensive solvency adequacy ratio was 276% [2]
中国人民保险集团(01339):中国人保(601319):人身险NBV增长强劲
HTSC· 2025-08-28 08:26
Investment Rating - The investment rating for the company is "Buy" [7] Core Views - The company reported a strong growth in new business value (NBV) for life insurance, with a year-on-year increase of 63% in 1H25, driven by significant growth in both agency and bancassurance channels [3] - The property insurance segment showed improved underwriting performance, with a combined ratio (COR) decreasing by 1.4 percentage points to 94.8%, leading to a substantial increase in underwriting profit by 44.6% [2] - The total investment return increased by 40.2% year-on-year, with an annualized total investment yield rising by 0.9 percentage points to 5.0%, contributing to profit growth [4] - The company has adjusted its earnings per share (EPS) forecasts for 2025, 2026, and 2027 to RMB 1.02, RMB 1.14, and RMB 1.24 respectively, based on improved performance in property insurance and investment [5] Summary by Sections Property Insurance - The property insurance segment's COR improved due to a 3.1 percentage point decrease in expense ratio, despite a 1.7 percentage point increase in loss ratio [2] - Insurance service revenue for property insurance grew by 5.6% year-on-year, with motor and non-motor insurance increasing by 3.5% and 8.9% respectively [2] - The net profit from property insurance increased by 35% year-on-year, supported by strong premium growth and improved underwriting performance [2] Life Insurance - The life insurance segment's NBV growth was primarily driven by bancassurance, which saw an 81% increase, accounting for 35% of total NBV [3] - The overall new policy premium for the life insurance segment grew by 15.4% year-on-year, indicating resilience in the agency channel [3] - Despite the strong growth in NBV, the profit from life insurance decreased by 13% due to rising service expense ratios [3] Investment Performance - The company capitalized on favorable market conditions, resulting in a significant increase in total investment income and a higher annualized investment yield [4] - The asset allocation strategy included an increase in equity investments, with the stock allocation rising by 1.7 percentage points to 5.4% [4] Earnings Forecast and Valuation - The target price for the company's A/H shares has been raised to RMB 9.3 and HKD 7.0, reflecting the positive adjustments in EPS forecasts [5] - The projected gross premium income for 2025 is estimated at RMB 572.06 billion, with a growth rate of 6.39% [21]
中国人保:2025年上半年人身险新业务价值88亿元
Xin Hua Cai Jing· 2025-08-28 08:00
Core Viewpoint - China People's Insurance Group Co., Ltd. reported strong performance for the first half of 2025, with significant increases in various financial metrics, leading to record-high stock prices for both A-shares and H-shares [1] Financial Performance - The comprehensive cost ratio for property insurance was 95.3% [1] - New business value for life insurance reached 8.8 billion yuan [1] - Total investment income amounted to 41.5 billion yuan [1] - The consolidated net profit for the group was 35.9 billion yuan [1] Stock Performance - The group's A-shares reached their highest price in nearly six years [1] - The group's H-shares hit their highest price since listing 13 years ago [1] - China Property Insurance's stock price reached its highest since listing 22 years ago [1] Premium Income Breakdown - The proportion of life insurance premium income increased by 1.9 percentage points [1] - Family-use vehicle premium income accounted for 73.4% of total auto insurance, up by 1 percentage point [1] - Personal non-auto insurance premium income grew by 16.6%, exceeding the overall premium income growth by 13 percentage points [1] Life Insurance Business - The premium income from life insurance regular premium business was 87 billion yuan, a year-on-year increase of 17.2% [1] - This segment accounted for 66.4% of total life insurance premium income, an increase of 2 percentage points [1] - The new business value rate improved by 3.9 percentage points on a comparable basis [1] Business Synergy - The company enhanced business collaboration, achieving a collaborative premium income of 16 billion yuan, which represents a year-on-year growth of 8.9% [1]
港股异动 | 中国人民保险集团(01339)绩后涨超4% 上半年归母净利同比增长13.98% 投资资产规模稳步增长
Zhi Tong Cai Jing· 2025-08-28 02:00
Core Viewpoint - China People's Insurance Group (01339) reported a strong performance for the first half of 2025, with a significant increase in net profit and steady growth in investment assets, leading to a stock price increase of over 4% post-earnings announcement [1][2]. Financial Performance - Total revenue for the first half of 2025 reached 324.12 billion yuan, marking a year-on-year growth of 10.87% [1]. - Net profit attributable to shareholders was 26.67 billion yuan, reflecting a year-on-year increase of 13.98% [1]. - Basic earnings per share stood at 0.6 yuan, with an interim cash dividend of 0.75 yuan per 10 shares [1]. Business Segments - In the property insurance sector, the company maintained a market share of 33.5%, leading the industry [2]. - The net cash inflow from operating activities increased by 26.6%, indicating improved liquidity [2]. - The combined cost ratio improved to 94.8%, down 1.4 percentage points year-on-year [2]. Life Insurance Performance - The new business value for life insurance increased by 71.7% on a comparable basis [2]. - The proportion of regular premium income to total premium income reached 79.5%, up 0.9 percentage points year-on-year [2]. - The 13-month premium persistency rate improved to 96.4%, an increase of 0.4 percentage points year-on-year [2]. Health Insurance Growth - The new business value for health insurance grew by 51.0% on a comparable basis [2]. - First-year regular premium income increased by 52.3% year-on-year [2]. - First-year regular premium income from internet long-term insurance surged by 110.6% [2]. Investment Performance - The company achieved total investment income of 40.76 billion yuan, a year-on-year increase of 40.2% [2]. - The annualized total investment return rate improved to 5.0%, up 0.9 percentage points year-on-year [2]. - As of June 30, 2025, the total investment assets exceeded 1.7 trillion yuan, growing by 7.2% since the beginning of the year [1].