新華網北(bei)京8月3日(ri)電(游蘇杭)今(jin)日(ri)上(shang)午保監會舉行(xing)發布會,保監會相關負(fu)責(ze)人(ren)介紹了2017年上(shang)半年保險(xian)業市場運行(xing)情況。
總體看,保險市場穩中趨緩,業務結構加快調整,資金運用收益平穩,行業防控風險能力增強。統(tong)計數據顯示,上半年(nian),全行業(ye)共實現(xian)原保(bao)(bao)險(xian)(xian)保(bao)(bao)費收(shou)入23140.15億(yi)(yi)元(yuan)(yuan),同(tong)比(bi)增(zeng)長(chang)23.00%。其中,產險(xian)(xian)公司和人身險(xian)(xian)公司分別同(tong)比(bi)增(zeng)長(chang)13.90%和25.98%;賠付支出5785.50億(yi)(yi)元(yuan)(yuan),同(tong)比(bi)增(zeng)長(chang)9.94%;保(bao)(bao)險(xian)(xian)業(ye)資產總量16.43萬億(yi)(yi)元(yuan)(yuan),較年(nian)初增(zeng)長(chang)8.69%。具體看,市場運行呈(cheng)現(xian)以(yi)下特點(dian):
一是業務保持較快增長,但增速有所放緩。上半年,保(bao)(bao)(bao)(bao)(bao)(bao)險業(ye)(ye)務(wu)(wu)保(bao)(bao)(bao)(bao)(bao)(bao)持(chi)較快增(zeng)(zeng)(zeng)(zeng)速,但同(tong)比下降14.29個百分點。財(cai)產(chan)保(bao)(bao)(bao)(bao)(bao)(bao)險業(ye)(ye)務(wu)(wu)積極向好,實(shi)現(xian)原保(bao)(bao)(bao)(bao)(bao)(bao)險保(bao)(bao)(bao)(bao)(bao)(bao)費收入(ru)4852.44億(yi)元,同(tong)比增(zeng)(zeng)(zeng)(zeng)長12.80%。其中,與(yu)宏觀(guan)經濟相關(guan)性較強的企財(cai)險、貨運險結束負增(zeng)(zeng)(zeng)(zeng)長,分別實(shi)現(xian)原保(bao)(bao)(bao)(bao)(bao)(bao)險保(bao)(bao)(bao)(bao)(bao)(bao)費收入(ru)245.54億(yi)元、52.50億(yi)元;與(yu)國計(ji)民(min)生密切相關(guan)的責任保(bao)(bao)(bao)(bao)(bao)(bao)險和農(nong)業(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險業(ye)(ye)務(wu)(wu)繼續(xu)保(bao)(bao)(bao)(bao)(bao)(bao)持(chi)較快增(zeng)(zeng)(zeng)(zeng)長,分別實(shi)現(xian)原保(bao)(bao)(bao)(bao)(bao)(bao)險保(bao)(bao)(bao)(bao)(bao)(bao)費收入(ru)236.18億(yi)元和287.69億(yi)元,同(tong)比增(zeng)(zeng)(zeng)(zeng)長21.07%和15.54%。人身保(bao)(bao)(bao)(bao)(bao)(bao)險業(ye)(ye)務(wu)(wu)穩(wen)中趨(qu)緩,實(shi)現(xian)原保(bao)(bao)(bao)(bao)(bao)(bao)險保(bao)(bao)(bao)(bao)(bao)(bao)費收入(ru)18287.71億(yi)元,同(tong)比增(zeng)(zeng)(zeng)(zeng)長26.03%。其中,壽險業(ye)(ye)務(wu)(wu)實(shi)現(xian)原保(bao)(bao)(bao)(bao)(bao)(bao)險保(bao)(bao)(bao)(bao)(bao)(bao)費收入(ru)15209.57億(yi)元,同(tong)比增(zeng)(zeng)(zeng)(zeng)長29.32%;健康險業(ye)(ye)務(wu)(wu)原保(bao)(bao)(bao)(bao)(bao)(bao)險保(bao)(bao)(bao)(bao)(bao)(bao)費收入(ru)2615.69億(yi)元,同(tong)比增(zeng)(zeng)(zeng)(zeng)長10.87%。
二是堅持“保險業姓保”,業務結構加快調整。從(cong)產險(xian)公司業務(wu)(wu)(wu)看,隨著宏觀經(jing)濟企穩和政策支持力(li)度(du)不斷加大,非車(che)(che)險(xian)業務(wu)(wu)(wu)實現原(yuan)保(bao)(bao)(bao)險(xian)保(bao)(bao)(bao)費(fei)(fei)收(shou)入1681.53億元(yuan),同比(bi)(bi)(bi)增長25.35%,較去年同期上(shang)升20.01個(ge)(ge)百分(fen)(fen)點(dian),業務(wu)(wu)(wu)占比(bi)(bi)(bi)多(duo)年來首次突破3成(cheng),達31.87%。車(che)(che)險(xian)業務(wu)(wu)(wu)增速(su)放緩,實現原(yuan)保(bao)(bao)(bao)險(xian)保(bao)(bao)(bao)費(fei)(fei)收(shou)入3594.33億元(yuan),同比(bi)(bi)(bi)增長9.23%。從(cong)人身(shen)險(xian)公司業務(wu)(wu)(wu)看,具有長期穩健風險(xian)管(guan)理(li)和保(bao)(bao)(bao)障功能(neng)的(de)普通壽險(xian)業務(wu)(wu)(wu)規模保(bao)(bao)(bao)費(fei)(fei)占比(bi)(bi)(bi)52.91%,較去年底上(shang)升16.71個(ge)(ge)百分(fen)(fen)點(dian);萬(wan)能(neng)險(xian)占比(bi)(bi)(bi)17.4%,下降19.45個(ge)(ge)百分(fen)(fen)點(dian);分(fen)(fen)紅險(xian)占比(bi)(bi)(bi)28.80%,上(shang)升5.04個(ge)(ge)百分(fen)(fen)點(dian)。從(cong)新單(dan)業務(wu)(wu)(wu)結(jie)構看,期繳(jiao)(jiao)原(yuan)保(bao)(bao)(bao)險(xian)保(bao)(bao)(bao)費(fei)(fei)收(shou)入占比(bi)(bi)(bi)33.11%,同比(bi)(bi)(bi)上(shang)升6.47個(ge)(ge)百分(fen)(fen)點(dian)。其中,3至5年期和10年期及以上(shang)期繳(jiao)(jiao)份額上(shang)升比(bi)(bi)(bi)較明顯(xian),分(fen)(fen)別(bie)占新單(dan)業務(wu)(wu)(wu)的(de)12.12%和15.74%,占比(bi)(bi)(bi)上(shang)升2.58和2.11個(ge)(ge)百分(fen)(fen)點(dian)。
三是資金運用配置有所優化,投資收益平穩增長。上(shang)半年,資金(jin)(jin)運用余額144998.87億元(yuan)(yuan),較(jiao)年初增(zeng)加11088.19億元(yuan)(yuan),增(zeng)長(chang)(chang)8.28%。其中,債(zhai)券和(he)(he)貸(dai)款分(fen)(fen)別(bie)占(zhan)(zhan)比(bi)(bi)(bi)(bi)34.24%和(he)(he)14.61%,較(jiao)年初上(shang)升2.09和(he)(he)1.44個百(bai)分(fen)(fen)點(dian);銀行存款和(he)(he)證券投資基金(jin)(jin)占(zhan)(zhan)比(bi)(bi)(bi)(bi)14.89%和(he)(he)5.22%,下降3.66和(he)(he)1.17個百(bai)分(fen)(fen)點(dian);股票投資余額占(zhan)(zhan)比(bi)(bi)(bi)(bi)7.13%,上(shang)升0.23個百(bai)分(fen)(fen)點(dian)。資金(jin)(jin)運用收(shou)益3717.34億元(yuan)(yuan),同比(bi)(bi)(bi)(bi)增(zeng)加772.53億元(yuan)(yuan),增(zeng)長(chang)(chang)26.23%。其中,債(zhai)券收(shou)益989.22億元(yuan)(yuan),同比(bi)(bi)(bi)(bi)增(zeng)長(chang)(chang)6.27%;長(chang)(chang)期股權(quan)投資收(shou)益595.51億元(yuan)(yuan),同比(bi)(bi)(bi)(bi)增(zeng)長(chang)(chang)9.32%。
四是創新業務持續活躍,保險科技應用日益廣泛。互聯網保險創新業務簽單件數46.66億件,同比增長123.55%。其中,退貨運費險27.35億件,同比增長53.01%;責任險4.19億件,同比增長17.36倍;保證險6.98億件,同比增長13.27倍;意外險3.36億件,同比增長1.45倍。在共享經濟方面,保險業積極參與綠色智能交通、保障安全出行,針對共享單車推出專門保險產品,為共享經濟發展提供風險保障。在人工智能方面,保險業逐漸將人工智能技術應用于各業務流程和服務環節,實現承保、核保、定損、理賠和客服等功能智能化,有力提升運營效率和服務水平。在區塊鏈方面,保險業加(jia)快研究(jiu)和推動區塊鏈(lian)技術應(ying)用,不斷突破傳統模式,成(cheng)功將區塊鏈(lian)技術與農業產業相結合,有效探(tan)索精準扶(fu)貧新路子。
五是保險功能凸顯,服務大局能力不斷提高。上半年,在“保險業姓保”理念指引下,保險業主動服務實體經濟和保障民生。在助推脫貧攻堅和搶險救災方面,保險業落實中央1號文件,持續推進農業保險擴面、增品、提標,提高農業補貼政策的指向性和精準性。農險為1.16億戶次農戶提供風險保障金額1.17萬億元,同比增長14.26%;支付賠款100.93億元,增長37.87%;1083.40萬戶次貧困戶和受災農戶受益,增長43.71%。在參與社會管理方面,責任險加大在安全生產、醫療衛生、環境保護、食品安全等密切關系公眾利益領域的風險保障,上半年,責任險保障金額96.81萬億元,同比增長76.49%,較去年同期上升43.52個百分點;賠款支出85.73億元,同比增長20.13%。在服務實體經濟方面,截(jie)至(zhi)6月末(mo),保險業(ye)定(ding)期(qi)存(cun)款(kuan)余(yu)額14281.93億(yi)(yi)(yi)元(yuan),是(shi)實體經濟中(zhong)長(chang)期(qi)貸款(kuan)重要資(zi)(zi)金(jin)(jin)來源(yuan);投資(zi)(zi)債券和股票為(wei)實體經濟直接融資(zi)(zi)67554.18億(yi)(yi)(yi)元(yuan),較(jiao)年(nian)初增長(chang)11.03%;通過股權、債權、基金(jin)(jin)等方式投資(zi)(zi)“”6994億(yi)(yi)(yi)元(yuan)、綠色金(jin)(jin)融5923億(yi)(yi)(yi)元(yuan)、棚戶區改造1241億(yi)(yi)(yi)元(yuan)、京津(jin)冀協同發展(zhan)1120億(yi)(yi)(yi)元(yuan)。
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