Xinhua Life Insurance bancassurance business compression single industry is not a choice-3u8895

Xinhua Life Insurance bancassurance business compression single industry is not a choice of reading Wan Feng said that if the life insurance company focused on financial insurance products in the bancassurance channel, which means that the choice in the field of Finance and banking, securities companies and other institutions to compete their insurance advantage into full play. Newspaper reporter Li Zhihong Beijing reported up to now, four mainland listed insurance company announced full premium income in January 2016, shares of China life, Ping An Life Insurance, Pacific Life Insurance and Xinhua life respectively to achieve the original insurance premium income of 123 billion 800 million yuan, 69 billion 447 million yuan, 25 billion 864 million yuan and 21 billion 670 million yuan, in addition to Xinhua Life Insurance fell 25.04%, the remaining three listed the insurance company will increase 59.59%, 45.73% and 44.05% respectively. "Good" is an important point of the life insurance company sprint annual performance, while Xinhua life’s "lose the first battle" is what reason? After the twenty-first Century Economic Herald reporter, mainly due to the initiative to adjust the Xinhua Life Insurance bancassurance sales caused by the compression of single, full development of cross business. At the same time, focus on the development of security business. A Xinhua insider said, 2016 Xinhua life insurance work throughout the year is the main tone: scale stability, value growth, structural optimization, risk control. However, for Xinhua Life Insurance "transformation", there are different voices in the industry. The chief actuary of a listed insurance company told the twenty-first Century economic report reporter that there is no good or bad way of development, and there is no wrong to return to the nature of insurance guarantee, but the business is not likely to fluctuate greatly. Single new single premiums down 50% for reasons of Xinhua life insurance premium income in the "good" is not ideal, and the people inside the industry to accept the twenty-first Century Economic Herald reporter interviewed generally agreed that the main reason of the "transformation" is the optimization of product mix and take the initiative to limit the bancassurance channel single business sales lead sharply bancassurance new single premiums up. A Xinhua insider told the twenty-first Century Business Herald reporter: "although the original insurance premium income of Xinhua life insurance was lower than expected in January, the effect of structural adjustment was remarkable. Prior to the convening of the conference on 2016, Xinhua life insurance, to determine the compression of the bancassurance channel low value development single premium scale, is expected in January single new single premiums fell about 50%, bancassurance new single premium payment growth may reach about 100%, and that to enhance the bancassurance new business profit rate has an important influence." The person also said: "January is expected to proxy channels of new single premium growth of about 40%, this year the channel is expected to maintain an increase of more than 20%." Twenty-first Century economic news reporter visited Xinhua Life Insurance in the "good start" during the main products, respectively, "Fu enjoy life", "golden color life" and "health worry free C", the first two bonus type additional universal type, the last one is health insurance. Wan Feng, the president of Xinhua life insurance, has disclosed the new idea at the twenty-first Century economic report, the annual meeting of the Asian Finance Conference and the Insurance Conference 新华人寿压缩趸交业务 银保渠道行业取舍不一   导读   万峰表示,寿险公司如果侧重于银保渠道的理财型保险产品,这就意味着选择在金融领域与银行、证券公司等机构进行竞争,自身保险保障的优势难以得到充分发挥。   本报记者 李致鸿 北京报道   截至目前,四家内地上市保险公司悉数公布2016年1月原保险保费收入情况,国寿股份、平安人寿、太保寿险和新华人寿分别实现原保险保费收入1238亿元、694.47亿元、258.64亿元和216.7亿元,除新华人寿同比下降25.04%外,其余三家上市保险公司则分别增长59.59%、45.73%和44.05%。   “开门红”是寿险公司冲刺全年业绩的重要时点,而新华人寿此番“出师不利”是何缘由?经21世纪经济报道记者了解,主因新华人寿主动调整银保渠道销售所致,压缩趸交,全力发展期交业务。同时重点发展保障型业务。   一位新华人寿内部人士称,2016年新华人寿全年工作的总基调是:规模稳定,价值增长,结构优化,风险可控。   不过,对于新华人寿的“转型”,业内存在不同的声音。一位上市保险公司总精算师告诉21世纪经济报道记者,发展方式没有好坏、对错之分,回归保险保障本质并无不妥,但通常业务不宜出现较大波动。   趸交新单保费同比降50%   对于新华人寿原保险保费收入在“开门红”中不甚理想的原因,其内部及业内接受21世纪经济报道记者采访的人士普遍认为,主因其“转型”,即为优化产品组合结构而主动限制银保渠道趸交业务的销售,导致银保渠道新单保费同比大幅下滑。   一位新华人寿内部人士告诉21世纪经济报道记者:“虽然新华人寿1月原保险保费收入低于预期,但结构调整效果显著。在此前召开的2016年工作会议上,新华人寿确定了压缩银保渠道低价值趸交保费规模的发展思路,预计1月趸交新单保费同比下滑50%左右,银保期缴新单保费增长则可能达到100%左右,而这对提升银保渠道新业务利润率具有重要影响。”   该人士还表示:“预计1月代理人渠道的新单保费同比增长40%左右,全年这一渠道有望保持同比增长20%以上。”   21世纪经济报道记者查阅了新华人寿在“开门红”期间的主打产品,分别为“福享一生”、“金彩一生”和“健康无忧C款”,前两款为分红型附加万能型,最后一款则为健康险。   新华人寿总裁万峰此前在21世纪经济报道亚洲金融年会・保险年会上的演讲便已透露出新华人寿的发展思路。万峰表示,寿险公司如果侧重于银保渠道的理财型保险产品,这就意味着选择在金融领域与银行、证券公司等机构进行竞争,自身保险保障的优势难以得到充分发挥。   不过,对于新华人寿的“以退为进”,业内看法不一。一位大型保险公司人士对21世纪经济报道记者称:“在中小寿险公司规模至上的发展模式下,传统寿险格局正发生动摇,如果大型寿险公司放弃高现金价值产品或高预期收益产品的销售,很有可能会失去发展机遇。”   而券商机构则多看好新华人寿此举。此前,瑞士信贷(香港)在报告中指出,新华人寿原保险保费收入下跌是因其采取了不同的营销策略,加强销售储蓄及危疾产品,而不是纯推销储蓄产品。招商证券(香港)则在研报中表示,保险公司最重要的不是保费增长,而是提高未来承保盈利能力的高素质保单的增长,因此坚定看好新华人寿的转型发展战略。   行业现有模式取舍不一   事实上,与新华人寿一样,众多大型寿险公司都希望降低对银保渠道及高现金价值产品或高预期收益产品的依赖。四家内地上市保险公司2015年中报显示,国寿股份上半年代理人队伍扩至95万人,平安人寿的代理人队伍较上年末增长25.5%。   然而,这些大型寿险公司又不得不“忌惮”那些凭借银保渠道异军突起的中小寿险公司。中国保险行业协会发布的《2015年度保险市场运行情况分析报告》显示,“2015年,大型寿险公司市场集中度有所下降,国寿股份、平安人寿、新华人寿、太保寿险、人保寿险、太平人寿和泰康人寿等七大寿险公司,2015年实现原保险保费收入10383.3亿元,占寿险业的份额为65.5%,比2010年下降18.3个百分点。”   另一方面,“中小寿险公司迅速成长,如华夏人寿、富德生命人寿、安邦人寿等,多主打短期理财型产品,近年来规模保费增速数倍于市场平均水平,2015年规模保费收入市场排名已跃升至行业前十位。”   前述上市公司总精算师对21世纪经济报道记者坦言:“其实,大型寿险公司也比较为难,如果按兵不动,原有市场份额极有可能被抢占,但如果向中小寿险公司发展策略靠近,则意味着将承受较大的负债匹配风险,尤其是在当前利率下行及资本市场不佳的环境下。”   此前,有媒体报道称,保监会拟对高现价产品进行大幅度调整。   不过,多位中小寿险公司人士均对21世纪经济报道记者表示,在高现价产品监管未正式落定之前,依靠银保渠道销售理财型保险产品仍会是主要经营模式。即使出台后,改变也会比较困难,更多的是从资产和负债端等方面进行调整以达到监管要求。   对此,一位大型寿险公司人士对21世纪经济报道记者坦言:“大型寿险公司的发展策略比较慎重,不会像中小寿险公司般激进,但在利率下行、股市震荡等背景下,消费者自然将目光更多的投向理财型保险产品,大型保险公司不会无动于衷,这也是可以理解的事情。”   进入【新浪财经股吧】讨论相关的主题文章: