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          中国人寿 季度保费 中国平安 市值落后_www.forex21.cn

          时间:2018/4/18 13:50:27 点击:

            核心提示: 中国人寿、中国平安、中国太保、新华保险四家A股上市险企陆续公布今年一季度保费收入。其中...
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          中国人寿、中国平安、中国太保、新华保险四家A股上市险企陆续公布今年一季度保费收入。其中,中国平安、中国太保、新华保险三家公司一季度保费收入同比不同程度增长,中国人寿一季度保费同比下降1.14%。

            中国人寿一季度保费收入为2434亿元,不及中国平安的首季保费2529.62亿元。而去年同期,中国人寿首季保费还稳居第一,其保费收入达2462亿元,较中国平安保费收入高出352亿元。

            截至昨日收盘,中国人寿总市值6854.19亿元,中国平安总市值11540.32亿元,二家公司市值差距已达4686.13亿元。

          China Life Insurance, China Ping An, China Pacific Insurance and Xinhua Insurance four A share listed insurance companies have announced premium income in the first quarter of this year. Among them, China's Ping An, China's Tai Bao, Xinhua insurance three companies in the first quarter of the premium income increased in different degrees, the first quarter of China life insurance premiums decreased by 1.14%.

          China's life insurance premiums in the first quarter were 243 billion 400 million yuan, less than the first quarter premiums of Ping An, China, 252 billion 962 million yuan. In the same period last year, China's life insurance premiums ranked first in the first quarter, and its premium income reached 246 billion 200 million yuan, which is 35 billion 200 million yuan higher than the Ping An insurance premium in China.

          As of yesterday's closing, China Life's total market value was 685 billion 419 million yuan, and China Ping An's total market value was 1 trillion and 154 billion 32 million yuan, and the market value gap of two companies has reached 468 billion 613 million yuan.

            中国人寿保费市场份额连续六年下滑

            相较于此前保费的高速增长,进入2018年以来,中国人寿总保费增长呈现负增长态势。今年一、二月份,中国人寿保费分别负增长21.32%、18.59%,其后增速加快;3月份,中国人寿888亿元的原保险保费收入,同比增长57.73%。

            凭借3月单月保费高增长,中国人寿一季度最终实现保费收入2434亿元,并将一季度保费收入降幅收窄至1.14%。

            虽然整个一季度保费负增长幅度收窄,但中国人寿仍为A股四大上市险企中唯一一家寿险保费负增长的公司。

            中国人寿总裁林岱仁日前公开表示,中国人寿保费负增长的主要原因是因为业务结构调整还没有完全到位。主要是银保趸交造成500亿左右的缺口。“到目前为止,原来计划今年销售的500亿银保趸交到现在才销售50-60亿,这样就造成了大的缺口。而去年600亿的趸交,当年1月份基本已销完。”

          China life insurance market share slipped for six consecutive years

          Compared with the rapid growth of premiums, the total premium growth of China life has shown a negative growth since 2018. In the one or two month of this year, China life insurance premiums increased by 21.32%, 18.59%, and then speeded up. In March, the original insurance premium of China Life's 88 billion 800 million yuan was 57.73%.

          With the high growth rate of single month premiums in March, China Life Insurance achieved 243 billion 400 million yuan in the first quarter and narrowed the premium income to 1.14% in the first quarter.

          Although the premium growth rate has narrowed in the first quarter, China life is still the only four largest listed company in A shares with a life insurance premium growth company.

          Lin Dairen, President of China life, said publicly that the main reason for the negative growth of China Life Insurance is that the business structure adjustment is not yet in place. Is mainly caused by single bancassurance around 50 billion gap. "So far, the 50 billion sales bank that had planned to sell this year has been sold to only 50-60 billion now, which created a big gap. Last year, 60 billion fans, in January of that year has been basically sold out."

            另一方面,林岱仁表示,续期保费大幅增长将弥补银保趸交缺口。“续期保费今年将净增700亿,趸交缺口完全可以通过续期保费弥补,整体来看将是逐月向好。”

            对于保费出现下滑并降幅逐月收窄,中国人寿总裁林岱仁在近日分析称:一是产品期限、领取方式等出现变化,销售难度增加;二是其他理财产品对理财型保险的销售形成冲击。他说道:“但由于结构调整取得了一定成效,目前负增长逐月下降,今年全年保费不会出现负增长”。

            中国人寿近年来市场份额不断遭到蚕食,已经连续六年下滑,从“三分天下有其一”到如今已跌破两成。 

            中国经济网记者了解到,2011年至2017年,中国人寿寿险市场份额分别为33.3%、32.4%、30.4%、26.1%、23%,19.9%、19.7%。

            关于市场份额,林岱仁表示,2017年,中国人寿的市场份额只下降了大约0.2个百分点,预计2018年这个趋势不变,“而且从1、2月份掌握的情况看,确实也证明了,大公司份额不但不降,还在回升”。

          On the other hand, Lin Dairen said, premium growth will be up for bancassurance pay gap. The renewal premium will increase by 70 billion this year. The gap between the wholesale and retail businesses can be made up by the renewal premium, which will be better every month.

          In recent years, Lin Dairen, the president of China life, said: first, the product period, the way of receiving, and the difficulty of selling increased; the two is the impact of other financial products on the sale of financial insurance. He said, "but due to structural adjustment has made some achievements, the negative growth is decreasing month by month, and there will be no negative growth in premiums this year".

          China life has been eating away in recent years, and has been declining for six consecutive years, from "three points to the world" to 20% now.

          China economic net reporter learned that from 2011 to 2017, China life insurance market share was 33.3%, 32.4%, 30.4%, 26.1%, 23%, 19.9% and 19.7% respectively.

          On the market share, Lin Dairen said that in 2017, China Life's market share only dropped by about 0.2 percentage points, which is expected to remain unchanged in 2018. "And from the situation in 1 and February, it does prove that the share of large companies is not not falling, still recovering."

            中国平安中国太保首季保费增长约两成

            一季度作为寿险公司“开门红”阶段,其在全年各季度中保费占比最高,也最为保险公司看重。数据显示,2015年-2017年一季度保费占全年保费的比重分别为40%、44%、51%。

            今年一季度,四家已披露保费数据的上市险企合计实现原保险保费收入6564.14亿元,与去年同期相比增长了10.20%。不过,分开来看,四家公司的保费变动情况依旧存在分化。

            具体来看,中国人寿一季度保费为2434亿元,同比下降1.14%;中国平安保费为2529.62亿元,同比增长19.88%;中国太保保费为1206.18亿元,同比增长19.20%;新华保险保费为394.34亿元,同比增长5.86%。

            从中国平安来看,平安人寿、平安财险、平安养老、平安健康一季度的保费收入分别为1823.60亿元、632.16亿元、65.16亿元、8.68亿元,同比分别增长20.39%、17.80%、21.36%、73.25%。相较于行业平均增速,中国平安的4家子公司保费均出现大幅增长。

          China's Ping An China Pacific insurance premiums increased by about 20% in the first quarter.

          In the first quarter, as the start stage of life insurance companies, the premiums accounted for the highest proportion in all quarters of the year, and most of them were valued by insurance companies. Data show that in 2015 -2017, premiums accounted for 40%, 44% and 51% of the total premiums in the first quarter, respectively.

          In the first quarter of this year, four listed insurance companies that had disclosed premium data totaled 656 billion 414 million yuan, which increased by 10.20% compared with the same period last year. But from the perspective of the four companies, the premium changes still exist.

          Specifically, the first quarter premium of China life was 243 billion 400 million yuan, 1.14% year-on-year, and China's safety premium was 252 billion 962 million yuan, up 19.88%, and China's insurance premium was 120 billion 618 million yuan, up 19.20% from the same year, and the Xinhua insurance premiums were 39 billion 434 million yuan, up 5.86% over the same period.

          From the view of China's safety, the premium income of Ping An Life, safe and safe, safe and healthy for the first quarter was 182 billion 360 million yuan, 63 billion 216 million yuan, 6 billion 516 million yuan and 868 million yuan respectively, which increased by 20.39%, 17.80%, 21.36% and 73.25% respectively. Compared with the average growth rate of the industry, the 4 premiums of Ping An have increased substantially.

            中国太保来看,太保寿险与太保产险保费分别为893.24亿元、312.94亿元,增幅分别为19.22%、19.11%,增速也超市场预期。

            事实上,除保费收入这一指标,2017年年报显示,中国人寿在个险渠道,代理人渠道的新业务、新业务期缴和续期、总保费、代理人平均产能等方面正在被中国平安赶超。

            截至2017年年底,中国人寿的个险销售队伍规模达157.8万人,个险渠道总保费达3536.68亿元,长险首年业务906.29亿元,趸交3.89亿元,首年期交902.4亿元,续期业务2535.86亿元,短期险业务94.53亿元。

            同期,平安人寿的个险代理人达到138.59万人,代理人渠道新业务为1366.57亿元,新业务期缴保费为1284.37亿元,代理人渠道的续期业务为2682.59亿元。

            2017年,平安人寿的银保渠道新业务为81.09亿元,其中期缴保费为48.03亿元,平安人寿的银保客户经理人数只有3159人。而中国人寿的银保渠道销售人员达33.9万人,银保渠道总保费1135.05亿元,银保趸交597.77亿元。

            太保寿险在2014年底取消了银保渠道,将其与原来的团险渠道合并为法人渠道,进入2015年更是将所有需要在银行柜台进行的业务取消,专注于银行后台业务。

            新华保险则在其年报中称:“2017年公司进一步压缩趸交业务,全年趸交保费同比减少约200亿元,基本甩掉了趸交包袱。”

          From China's Tai Bao, Tai Bao's life insurance and the insurance premium of the Tai Bao are 89 billion 324 million yuan and 31 billion 294 million yuan respectively, and the growth rate is 19.22% and 19.11% respectively. The growth rate is also exceeding the market expectation.

          In fact, in addition to the index of premium income, the annual report of 2017 shows that China life is being overtaken in China's safety channels, the new business of agent channels, the payment and renewal of the new business period, the total premium and the average capacity of the agent.

          By the end of 2017, China life insurance sales team reached 1 million 578 thousand people, with a total insurance premium of 353 billion 668 million yuan, 90 billion 629 million yuan for the first year of long insurance, 389 million yuan for wholesale, 90 billion 240 million yuan for the first year, 253 billion 586 million yuan for the renewal period and 9 billion 453 million yuan for short term insurance.

          In the same period, the insurance agent of Ping An Life Insurance Company reached 1 million 385 thousand and 900 people, the agent channel new business was 136 billion 657 million yuan, the new business period paid the premium of 128 billion 437 million yuan, and the extension of the agent channel was 268 billion 259 million yuan.

          In 2017, the new business of Ping An Life's silver insurance channel was 8 billion 109 million yuan, of which the premium was 4 billion 803 million yuan, and the number of bank insurance clients of Ping An Life was only 3159. China Life Insurance has 339 thousand sales people in the banking and insurance sector, the total premium is 113 billion 505 million yuan, and the bank insurance is 59 billion 777 million yuan.

          At the end of 2014, Tai Bao abolished the channel of silver insurance, and merged it with the original insurance channel into a legal channel. In 2015, all the business needs to be cancelled at the bank counter and focused on the backstage business of the bank.

          Xinhua insurance, in its annual report, said: "in 2017, the company further compressed the wholesale business, the whole year's wholesale premium reduced by about 20 billion yuan, basically dumped the whole burden."

            反观中国人寿,其今年仍计划销售500亿元银保趸交。据中国经营报报道,中国人寿一位副总裁表示,“我们判断2018年整个行业保费将增长10%,所以计划卖500亿元趸交,如果不卖就影响规模。现在媒体经常炒作保费负增长,我们也不想要这个负面影响。”

            去年3月,中国经济网曾发布《中国人寿市值将被中国平安赶超?前者业绩跌后者报喜》,文中提及,截至去年3月24日,中国人寿市值7037.91亿元;中国平安市值6681.43亿元。 彼时,中国人寿市值虽然高于中国平安,但两家公司的市值距离已经触手可及。

          In China life this year, still plan to sell 50 billion yuan bank insurance businesses. According to the Chinese business newspaper, a vice president of China Life said, "we judge that the entire industry premiums will grow by 10% in 2018, so we plan to sell 50 billion yuan, and if they do not sell it will affect the size. Nowadays, media often hype premium growth negatively, and we don't want this negative impact either.

          In March of last year, China economic network has released "China Life market value will be overtaken by China's safety". In the last year, March 24th, China's life insurance market value was 703 billion 791 million yuan, and China's Ping An market value was 668 billion 143 million yuan. At that time, the market value of China life is higher than that of China, but the market value of two companies is within reach.

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