智通财经记者 | 冯丽君 近日，国家监督管理总局再次批准了多家保险公司分支机构的撤销申请。 9月30日，国家金融监管总局绵阳监管分局同意撤销中国人民财产保险股份有限公司梓潼支公司仙峰营 销服务部。 9月29日，国家金融监管总局南阳监管分局同意撤销中国人寿保险股份有限公司邓州支公司花洲营销服 务部。 9月28日，国家金融监管总局湖州监管分局同意撤销中国人寿保险股份有限公司长兴县支公司虹星桥镇 营销服务部、小浦镇营销服务部以及南浔区支公司南浔镇第一营销服务部…… 智通财经记者查询国家金融监管总局保险许可证数据发现，截至9月30日，今年以来已有2436家保险公 司分支机构退出舞台，而2024年全年这一数据为2012家。可以看出，险企正在加速裁撤分支机构。 业内分析认为，监管要求与险企自身降本增效需要或为险企加速"瘦身"主因，随着线上投保率的高增， 线下网点应差异化发展，注重与养老、康养等线下服务结合。 部分险企今年"瘦身"加速 对此，泰康人寿曾解释称，近年来，随着城镇化升级，县级、乡镇级地域消费能力和消费意愿下降，在 行业转型的背景下，三、四线城市及以下地区因市场容量有限，优化分支机构网络布局成为许多险企提 质增效 ...

Core Insights - The core value of offline insurance branches is being restructured as companies adapt to changing market dynamics and regulatory requirements [1][4] Group 1: Branch Network Restructuring - As of June 3, 2023, a total of 1,037 insurance branches were closed nationwide, marking a year-on-year increase of over 20%, with personal insurance companies accounting for 80% of the closures [1] - The trend of branch closures began in 2020, peaking in 2022 with 3,020 closures, followed by 2,065 in 2023 and 2,012 in 2024, totaling over 10,000 closures in five years [2] - The closures are primarily concentrated in county-level areas and some third and fourth-tier cities, focusing on branch offices and marketing service departments [2] Group 2: Digital Transformation and Consumer Behavior - The online insurance purchase rate is projected to rise from 73% in 2023 to 78% in 2024, while offline purchases are expected to decline from 85% to 79% [3] - The number of personal insurance agents has decreased from a peak of 9 million in 2019 to less than 3 million in 2024, leading to a diminished role for branches that primarily served agents [3] Group 3: Regulatory and Strategic Factors - The closure of branches aligns with regulatory demands for cleaning up inefficient institutions, as outlined in the 2021 guidelines from the former China Banking and Insurance Regulatory Commission [4] - Policies such as the comprehensive reform of auto insurance and the implementation of "reporting and operation integration" have pressured insurance companies to prioritize efficiency and adjust their branch layouts [4] Group 4: Evolving Role of Offline Branches - Despite the trend of closures, some insurance companies are still opening new branches, with 161 new branches established in the first five months of the year [7] - The role of offline branches is shifting towards providing comprehensive services such as wealth management, health management, and community financial services, rather than just sales [8]