■ Su Xianggao of our newspaper reporter
As birthday risk company solvency report is announced in succession first quarter, the net profit case first quarter also goes each danger look forward to subsequently furnace. According to " negotiable securities daily " outstanding achievement combs the company of 83 birthday risk that the reporter reports to announcing solvency first quarter show, among them, gain of 49 danger look forward to, total net profit 69.5 billion yuan; Deficit of 34 danger look forward to, total loss 3.93 billion yuan.
From industry profit distributinging case looks, large appear on the market advantage of danger look forward to still apparent. This year first quarter, total net profit amounts to Chinese birthday and restful person life forty-three billion nine hundred and thirty-five million yuan, 63% what take net profit of gain danger look forward to. Same, big loss also is in company of risk of a few a few birthday centrally, according to " negotiable securities daily " reporter statistic, the 5 danger look forward to with maximum first quarter loss is aggregate deficit 2.282 billion yuan, occupy deficit danger look forward to 58% of total loss specified number.
Wang Weiyi of researcher of silver-colored international negotiable securities thinks in, market of rights and interests is remarkable 2019 get warm again after a cold spell, debt city look forward to is firm, investment of predicting danger look forward to carries hopeful considerably get warm again after a cold spell. Danger look forward to lasts transition safeguard product, and rhythm of insurance cost income is more balanced, annual protects business value newly to lead hopeful firm in have litre.
"Old 7 " net 60.2 billion yuan
86.6% what take net profit of gain danger look forward to
From the point of share of market of net first quarter this year gain, "Old 7 " -- " Chinese birthday, restful person life, too the danger that maintain life, new China Kang Renshou of safe, peaceful, person maintains life of person of birthday danger, peace and tranquility " , advantage still apparent, profit of total net profit amounts to 60.24 billion yuan, 86.6% what take net profit of gain danger look forward to.
Divide " old 7 " besides, this year first quarter, the net of danger look forward to such as Kang Renshou of life of Chinese birthday, sunshine person life, farming silver person, great all also exceeds life of person of friendly nation insurance, the people's livelihood, country 500 million yuan, list gain danger look forward to " the 2nd echelon formation " .
From this year net of look forward to of 49 gain danger changes compared to the same period first quarter in light of, profit of net profit of company of 15 birthday risk appears to glide compared to the same period, other net of 34 danger look forward to appears the rise of distinct range.
Insurance cost carries a respect, this year first quarter, insurance cost of birthday risk company is added fast begin get warm again after a cold spell. This year in January - 3
Month, insurance industry accumulative total realizes income of original insurance cost one thousand six hundred and thirty-two billion two hundred million yuan, grow 15.89% compared to the same period, danger of its go-between body one thousand three hundred and thirty-six billion nine hundred million yuan,
Specific to birthday risk company kinds of each are big danger is planted in light of, in January - March, income of birthday danger original insurance cost one thousand and eighty-six billion three hundred million yuan, grow 14.34% compared to the same period, and the corresponding period was added last year fast for - 18.32% ; Person accident harms income of danger insurance cost to be 33.4 billion yuan, grow 24.10% compared to the same period, the corresponding period was last year 15.69% ; Income of healthy danger insurance cost is 217.2 billion yuan, increase an order compared to the same period 39.10% , the corresponding period grew 2.39% to lose last year.
Grow more quickly in insurance cost while, birthday risk company is investing a respect also behead is obtained quite abundant. Rise as market of rights and interests first quarter, yield tall elastic webbing moves profit to be added high, net assets growth is carried fast.
Although be not,appear on the market danger look forward to did not disclose yield case, but from appear on the market in light of danger look forward to, 2019 first quarter, 5 A appear on the market insurance company puts in parent net profit 's charge to grow 70% considerably compared to the same period, exceed the market to anticipate, life of restful, country, person is protected, too protect, new China grow 77% compared to the same period respectively, 93% , 12% , 46% , 29% , growth reason basically fastens market of rights and interests to rise (put together of the card on first quarter shows amplitude is amounted to this year 24% ) drive danger look forward to yield promotes considerably compared to the same period, life of restful, country, person is protected, too protect, new China total investment gain rate is respectively 5.1% , 6.7% , 4.6% , 4.2% , promote 1.4pct respectively compared to the same period. , 2.8pct. , 0.2pct. , 0.1pct. , profit tall flexibility grows overlay rights and interests to carry capital surplus to be filled with increase thick other and integrated profit.
Still have loss of 34 danger look forward to
Loss is maximum danger look forward to is deficient 831 million yuan
"A few jubilate a few anxious " , below the setting that in large risk look forward to general net soars, this year first quarter, still have loss of company of 34 birthday risk, the amount takes company of all birthday risk 4 into, net of season of head of look forward to is the risk with maximum loss - 831 million yuan.
From first quarter the integral case of company of deficit birthday risk looks, the danger look forward to of before deficit specified number is ranked 10 is aggregate deficit 3.108 billion yuan, 79% what take specified amount of total loss of company of deficit birthday risk; The danger look forward to of before deficit specified number is ranked 5 is aggregate deficit 2.282 billion yuan, 58% what take specified amount of total loss of company of deficit birthday risk. In addition, deficit of 23 danger look forward to is less than 100 million yuan.
First quarter rights and interests kind below the setting that the market rises, why to still have large quantities of one life risk company occurrence loss? Chief is right related company of risk of a medium-sized birthday " negotiable securities daily " the reporter expresses, partial risk look forward to is right first quarter rights and interests kind investment undertook moving a storehouse, fixed income kind yield anticipates not as good as, accept insurance deficit all can incur loss of net profit of birthday risk company.
Besides, this year first quarter, still one is approve new hold water before long birthday risk company, because operation time is not long, also be in deficit condition, for instance the sea defends life of person life, 3 gorge person, country life of Fu Renshou, showily person, wait with Tai Renshou.
" negotiable securities daily " the reporter consults discovery of afore-mentioned layout of channel of deficit danger look forward to, the birthday risk company of deficit basically protects channel to give priority to with silver at present,
From which little risk look forward to undertakes predicament will look at present, mai Ken releases before long before stannic company " Shu strands break out of an encirclement -- the path of broken bureau of small insurance company in China " point out, earnestly of small insurance company needs to solve exterior competition and interior to manage two big challenges in. Exterior and character, superintend from severe, extensive mode no longer. Future, be entered benignly and exit a mechanism to will be formed stage by stage, the superior bad discard of the industry will be more apparent, the pressure of small insurance company also is met in increase further. interior, small insurance company is faced with interior to administer not stable, foundation to throw long-term inadequacy, product to develop power in tall, client manages the to tripartite dependence on weaker, channel management fragile, and brand management concept is thin wait for a challenge, the photograph is older the company is in inferior position.
Partner of director of whole world of Mai Ken stannum, china of Mai Ken stannum is sure to seek advice from business controller Bi Jiang to express, "To in small insurance company, market competition is full of a challenge, but prospective good luck is more than a challenge, small insurance company should be accomplished in ' small and beautiful ' , avoid by all means ' small and complete ' . ' small and complete ' often easy attend to one thing and lose another, bring about resource to disperse, final professional work lacks distinguishing feature, become ' silent great majority ' a medium. Should accomplish ' small and beautiful ' , small insurance company wants to be mixed to oneself gift above all in short board have sober knowledge, develop gift next, avoid is short board, manage in client of the aggrandizement on this one foundation, build distinctive brand image, focusing differs the value of dissimilation to advocate, accomplish Shu to strand break out of an encirclement truly, thrive. Thrive..
