China Insurance Association Internet premiums increased by 69 times in five years, the potential pre-mp7a1

PICC: Internet premium growth in five years 69 times the potential pressure is worth to pay close attention to the Securities Times reporter Zhao Chunyan China Insurance Association released "2015 days before operation of annual insurance market analysis report" said, the Internet insurance is A new force suddenly rises. 2015 Internet insurance premium income, 223 billion 400 million yuan, an increase of nearly 69 times higher than in 2011; in 2016 the insurance industry development momentum. But, the potential pressure of concern. The "report" Internet insurance A new force suddenly rises. said, 2015 is the "new country ten" full landing in a year, the insurance market development trend showing a steady growth, structural adjustment, improve people’s livelihood, risk prevention. Data show that in 2015 the annual premium income of 2 trillion and 428 billion 250 million yuan, an increase of 20%, an increase over the previous year increased 2.5 percentage points; compensation and benefits expenses 867 billion 410 million yuan, an increase of 20.2%, an increase over the previous year increased 4 percentage points; the insurance depth of 3.5%, 0.3 percentage points higher than last year. Internet insurance is booming, the report said. Data show that in 12th Five-Year, the Internet insurance have been strong, the main push the development of the whole industry, 2015 Internet insurance premium income of 223 billion 400 million yuan, an increase of nearly 69 times higher than in 2011, the Internet insurance premium in total premium income in the proportion rose from 0.2% in 2011 to 9.2% in 2015. Among them, the Internet business property insurance premium income of 76 billion 840 million yuan, an increase of 34.4 times compared to 2011, accounting for all the business of insurance companies 9.1%, an increase of 8.6 percentage points; personal insurance Internet business premium income of 146 billion 560 million yuan, an increase of 141 times compared to 2011, accounting for all the business of life insurance companies 9.2%, an increase of 9.1 percentage points. "Report" said that in recent years, small and medium-sized insurance enterprises to develop active. Among them, small and medium-sized life insurance companies in the rapidly growing, including China, life, Ampang, focused on short-term financial products, in recent years the premium growth rate of several times than the market average, ranking scale premium income market has jumped to the top ten industries. In addition, the influx of foreign insurance companies in the United States, Britain, France, from Hong Kong and Taiwan and other countries and regions of the insurance companies to set up branches, shares of Chinese insurance companies and insurance companies and other ways to set up a joint venture into the China insurance market in the past 5 years, the market share increased from 4.4% in 2010 to 4.8% in 2015. The market will maintain steady development for insurance market trend in 2016, the China Insurance Association believes that from the industry perspective, the momentum of development is generally optimistic, but the potential pressure is also worthy of attention. Among them, the continuous improvement of the external environment, provides a new space for the development of the insurance industry: one is the reform of the gradual release of the bonus; two is expected to boom continues to improve, the commercial activities of banks, securities, insurance and other financial industry index for two consecutive months in more than 60% high booming region, showing strong expansion trend. Secondly, China Insurance Association said that in 2016, the demand for security is expected to expand. Because of the low theory

中保协:互联网保费五年增长69倍 潜在压力值得关注   证券时报记者 赵春燕   中国保险行业协会日前发布《2015年度保险市场运行情况分析报告》称,互联网保险正在异军突起,2015年互联网保险保费收入2234亿元,比2011年增长近69倍;2016年保险行业发展势头看好,但潜在压力值得关注。   互联网保险异军突起   《报告》称,2015年是“新国十条”全面落地的一年,保险市场呈现出稳增长、调结构、惠民生、防风险的发展态势。   数据显示,2015年全年实现原保险保费收入24282.5亿元,同比增长20%,增幅较上年提高2.5个百分点;赔款和给付支出8674.1亿元,同比增长20.2%,增幅较上年提高4个百分点;保险深度为3.5%,比上年提高0.3个百分点。   《报告》提到,互联网保险正在异军突起。数据显示,“十二五”期间,互联网保险增势强劲,主推整个行业发展,2015年互联网保险保费收入2234亿元,比2011年增长近69倍,互联网保费在总保费收入中的占比从2011年的0.2%上升到2015年的9.2%。其中,财产险公司互联网业务保费收入768.4亿元,比2011年增长34.4倍,占产险公司全部业务的9.1%,上升8.6个百分点;人身险公司互联网业务保费收入1465.6亿元,比2011年增长141倍,占人身险公司全部业务的9.2%,上升9.1个百分点。   《报告》称,近几年中小险企发展活跃。其中,中小人身险公司在迅速成长,其中华夏、生命、安邦人寿等,多主打短期理财型产品,近年来保费增速数倍于市场平均水平,年规模保费收入市场排名已跃升至行业前十位。   另外,外资保险公司在纷纷涌入,来自美国、英国、法国及港澳台等国家和地区的保险公司,以成立分支机构、入股中资保险公司和合资创办保险公司等方式打入中国保险市场,在过去5年中,市场份额由2010年的4.4%上升到2015年的4.8%。   市场将保持稳健发展   对于2016年保险市场走势展望,中保协认为,从行业前景看,发展势头普遍看好,但潜在压力也值得关注。其中,外部环境的不断改善,为保险业提供了新的发展空间:一是改革红利逐步释放;二是景气预期持续向好,其中,银行、证券、保险等金融业商业活动指数连续两个月处于60%以上的高位景气区,表现出较强的扩张态势。   其次,中保协表示,2016年保障需求有望扩大。因为低利率环境,可在一定程度上提升保险产品吸引力,税收扶持政策推出,有望刺激健康险、养老险潜在需求;同时,“一带一路”、新型城镇化等一系列创新发展战略的实施,为保险业深度参与社会管理提供广阔发展空间。   另外,创新也会助推行业发展。保险业正步入“互联网+”时代,互联网、大数据等新技术的广泛应用,跨界融合的有益实践,使互联网销售快速发展,但渠道创新已不能满足市场需求,适应互联网场景的产品创新和服务创新正在兴起。   “与此同时,内在压力相伴而生。”中保协表示,压力首先来自于市场竞争不断加剧。业内中小企业的崛起,跨界竞争者的进入,民资加速涌进,转型升级压力增大,保险费率市场化等改革的推进等,都给保险业发展提出了新的挑战。   另外,风险防范难度在加大。中保协表示,受市场主体增多、投资渠道拓宽、资本市场波动等因素影响,各类风险正在逐步显现。“所以,应以偿二代正式实施为契机,进一步提高防范风险意识,加强资产匹配管理,不断健全风险管控机制。”   中保协预计,2016年保险市场将保持稳健发展态势,结构继续优化,资产配置更加多元,保险保障范围扩大,为经济社会服务作用更加凸显。 进入【新浪财经股吧】讨论相关的主题文章: