2019年人身险市场回顾及2020年发展趋势展望
<div class="wx_rich_media_content" id="jsWxContainer"><section style='display: none;' data-tools="新媒体管家" data-label="powered by xmt.cn" data-mpa-powered-by="yiban.io"><br></section><p><span class="wxart_image" wx-style='display:inline-block;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;text-align: center;vertical-align: middle;box-sizing: border-box;'></span><br></p><section style='box-sizing: border-box;font-size: 16px;'><section style='margin-top: -5px; margin-right: 0%; margin-left: 0%; line-height: 1; box-sizing: border-box;' powered-by="xiumi.us"><section style='width: 0px;display: inline-block;vertical-align: bottom;border-bottom: 0.7em solid rgb(255, 243, 224);border-left: 0.45em solid transparent !important;border-right: 0.45em solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section><section style='width: 0px;display: inline-block;vertical-align: bottom;border-bottom: 0.7em solid rgb(255, 243, 224);border-left: 0.45em solid transparent !important;border-right: 0.45em solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section><section style='width: 0px;display: inline-block;vertical-align: bottom;border-bottom: 0.7em solid rgb(255, 243, 224);border-left: 0.45em solid transparent !important;border-right: 0.45em solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section><section style='width: 0px;display: inline-block;vertical-align: bottom;border-bottom: 0.7em solid rgb(255, 243, 224);border-left: 0.45em solid transparent !important;border-right: 0.45em solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section><section style='width: 0px;display: inline-block;vertical-align: bottom;border-bottom: 0.7em solid rgb(255, 243, 224);border-left: 0.45em solid transparent !important;border-right: 0.45em solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;background-color: rgb(255, 243, 224);padding: 10px;box-sizing: border-box;'><section style='font-size: 17px;color: rgb(62, 62, 62);box-sizing: border-box;' powered-by="xiumi.us"><p style='text-indent: 2em; box-sizing: border-box;'>2019年，我国人身险公司原保费收入达到2.96万亿元，同比增长12.8%，是2019年国内生产总值（GDP）增速的2.1倍，在保费实现恢复性增长的同时，人身保险业高质量发展迈出坚实步伐。</p><p style='text-indent: 2em; box-sizing: border-box;'><br></p><p style='text-indent: 2em; box-sizing: border-box;'><strong style='box-sizing: border-box;'>回顾2019年</strong>，人身保险业发展呈现<strong style='box-sizing: border-box;'>六个“稳中有进”</strong>，即行业保费规模<strong style='box-sizing: border-box;'>“趋稳”</strong>，回归保险本源<strong style='box-sizing: border-box;'>“有进”</strong>；市场竞争态势<strong style='box-sizing: border-box;'>“趋稳”</strong>，转型升级力度<strong style='box-sizing: border-box;'>“有进”</strong>；销售队伍总量<strong style='box-sizing: border-box;'>“趋稳”</strong>，保险营销质态<strong style='box-sizing: border-box;'>“有进”</strong>；科技赋能方向<strong style='box-sizing: border-box;'>“趋稳”</strong>，行业发展动力<strong style='box-sizing: border-box;'>“有进”</strong>；保险资金运用<strong style='box-sizing: border-box;'>“趋稳”</strong>，服务国家大局<strong style='box-sizing: border-box;'>“有进”</strong>；监管政策导向<strong style='box-sizing: border-box;'>“趋稳”</strong>，防范风险能力<strong style='box-sizing: border-box;'>“有进”</strong>。</p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='font-size: 17px;box-sizing: border-box;' powered-by="xiumi.us"><p style='text-indent: 2em; box-sizing: border-box;'><strong style='box-sizing: border-box;'>展望2020年</strong>，我国保险业仍处于重要的战略机遇期，<strong style='box-sizing: border-box;'>行业高质量发展是主旋律</strong>。人身险发展动能转换，将<strong style='box-sizing: border-box;'>加剧市场经营主体在竞争、产品、队伍、科技等方面策略分化</strong>：<strong style='text-indent: 2em;box-sizing: border-box;'>一是</strong><span style='text-indent: 2em;'>在竞争方面，随着全面开放保险市场，一线城市市场竞争将加剧，下沉市场成为群雄必争之地；</span><strong style='text-indent: 2em;box-sizing: border-box;'>二是</strong><span style='text-indent: 2em;'>在产品方面，围绕客户多元化差异化需求，大型金融保险集团向产业链突破，中小险企以提供更具个性化的保险产品为主；</span><strong style='text-indent: 2em;box-sizing: border-box;'>三是</strong><span style='text-indent: 2em;'>在队伍方面，由于人口红利逐渐消减，存量代理人将进一步聚焦产能提升，增量代理人大量吸纳传统精英人才；</span><strong style='text-indent: 2em;box-sizing: border-box;'>四是</strong><span style='text-indent: 2em;'>在科技方面，保险与科技融合将更加深入，技术进步延展可保风险边界，健康管理服务空间广阔。</span></p></section></section></section><section style='margin-top: 8px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='background-color: rgb(45, 44, 47);height: 2px;box-sizing: border-box;line-height: 0;'><br></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br></p></section></section><section><section style='margin-top: 10px; margin-bottom: 10px; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;vertical-align: top;width: 0.5em;height: 1.8em;border-bottom: 0.9em solid rgb(75, 171, 58);border-top: 0.9em solid rgb(75, 171, 58);box-sizing: border-box;line-height: 0;border-left: 0.9em solid transparent !important;'><br></section><section style='display: inline-block;vertical-align: top;height: 1.8em;line-height: 1.8em;padding-right: 5px;padding-left: 5px;background-color: rgb(75, 171, 58);color: rgb(255, 255, 255);font-size: 17px;box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>2019年人身险市场发展特点</strong></p></section><section style='display: inline-block;vertical-align: top;width: 0.5em;height: 1.8em;border-left: 0.9em solid rgb(75, 171, 58);box-sizing: border-box;line-height: 0;border-bottom: 0.9em solid transparent !important;border-top: 0.9em solid transparent !important;'><br></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;padding-left: 30px;box-sizing: border-box;'><section style='transform: translate3d(-30px, 0px, 0px);margin-right: 0%;margin-bottom: -30px;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 30px;height: 30px;vertical-align: top;overflow: hidden;border-width: 1px;border-radius: 100%;border-style: dashed;border-color: rgb(75, 171, 58);background-color: rgba(118, 178, 124, 0);box-sizing: border-box;'><section style='text-align: justify;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section><section style='text-align: center;transform: translate3d(-15px, 0px, 0px);-webkit-transform: translate3d(-15px, 0px, 0px);-moz-transform: translate3d(-15px, 0px, 0px);-o-transform: translate3d(-15px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;padding-top: 3px;padding-bottom: 3px;box-sizing: border-box;'><section style='text-align: justify;font-size: 17px;color: rgb(75, 171, 58);box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>（一）行业保费规模“趋稳”，回归保险本源“有进”</strong></p></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='text-align: center;justify-content: center;margin: 5px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 96%;vertical-align: top;height: auto;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgb(75, 171, 58);box-sizing: border-box;'><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='display: flex;flex-flow: row nowrap;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: auto;line-height: 0;letter-spacing: 0px;flex: 100 100 0%;align-self: flex-start;height: auto;box-sizing: border-box;'><section style='text-align: left;margin-top: -11px;margin-right: 0%;margin-left: 0%;justify-content: flex-start;transform: translate3d(-4px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: auto;vertical-align: top;min-width: 10%;max-width: 100%;height: auto;line-height: 0;box-sizing: border-box;'><section style='justify-content: flex-start;transform: translate3d(-7px, 0px, 0px);-webkit-transform: translate3d(-7px, 0px, 0px);-moz-transform: translate3d(-7px, 0px, 0px);-o-transform: translate3d(-7px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 8px;height: 8px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgba(255, 255, 255, 0) rgb(75, 171, 58) rgb(75, 171, 58) rgba(255, 255, 255, 0);box-sizing: border-box;line-height: 0;'><br></section></section><section style='justify-content: flex-start;margin-top: -1px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 8px;height: 8px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgb(75, 171, 58) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section></section></section></section></section><section style='display: inline-block;vertical-align: top;width: auto;line-height: 0;flex: 99.9925 99.9925 0%;align-self: flex-start;height: auto;box-sizing: border-box;'><section style='text-align: right;margin-top: -11px;margin-right: 0%;margin-left: 0%;justify-content: flex-end;transform: translate3d(11px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: auto;vertical-align: top;min-width: 10%;max-width: 100%;height: auto;line-height: 0;box-sizing: border-box;'><section style='justify-content: flex-end;transform: translate3d(-7px, 0px, 0px);-webkit-transform: translate3d(-7px, 0px, 0px);-moz-transform: translate3d(-7px, 0px, 0px);-o-transform: translate3d(-7px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 8px;height: 8px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgba(255, 255, 255, 0) rgb(75, 171, 58) rgb(75, 171, 58) rgba(255, 255, 255, 0);box-sizing: border-box;line-height: 0;'><br></section></section><section style='justify-content: flex-end;margin-top: -1px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 8px;height: 8px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgb(75, 171, 58) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section></section></section></section></section></section></section><section style='margin: 10px 0% 6px;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;font-size: 17px;color: rgb(62, 62, 62);letter-spacing: 0px;line-height: 1.6;padding-right: 5px;padding-left: 5px;box-sizing: border-box;'><p style='text-indent: 2em; box-sizing: border-box;'>经过20年的高速增长和2018年的深度调整，2019年我国人身险公司实现恢复性发展，原保费收入达29628亿元，同比增长12.8%。在保险回归本源的背景下，以健康险为代表的保障型业务持续高速增长，成为原保费收入中增速最快的险种，占比逐渐从2013年的10.02%提升至2019年的22.8%。<strong style='box-sizing: border-box;'>消费者保险需求不断崛起，健康管理意识继续增强，健康险逐步成为保费增长的重要带动力量。</strong></p></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='display: flex;flex-flow: row nowrap;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: auto;line-height: 0;letter-spacing: 0px;border-width: 0px;flex: 100 100 0%;align-self: flex-start;height: auto;box-sizing: border-box;'><section style='text-align: left;margin-right: 0%;margin-bottom: -11px;margin-left: 0%;justify-content: flex-start;transform: translate3d(-4px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: auto;vertical-align: top;min-width: 10%;max-width: 100%;height: auto;line-height: 0;box-sizing: border-box;'><section style='justify-content: flex-start;transform: translate3d(-7px, 0px, 0px);-webkit-transform: translate3d(-7px, 0px, 0px);-moz-transform: translate3d(-7px, 0px, 0px);-o-transform: translate3d(-7px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 8px;height: 8px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgba(255, 255, 255, 0) rgb(75, 171, 58) rgb(75, 171, 58) rgba(255, 255, 255, 0);box-sizing: border-box;line-height: 0;'><br></section></section><section style='justify-content: flex-start;margin-top: -1px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 8px;height: 8px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgb(75, 171, 58) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section></section></section></section></section><section style='display: inline-block;vertical-align: top;width: auto;line-height: 0;flex: 99.9925 99.9925 0%;align-self: flex-start;height: auto;box-sizing: border-box;'><section style='text-align: right;margin-right: 0%;margin-bottom: -11px;margin-left: 0%;justify-content: flex-end;transform: translate3d(11px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: auto;vertical-align: top;min-width: 10%;max-width: 100%;height: auto;line-height: 0;box-sizing: border-box;'><section style='justify-content: flex-end;transform: translate3d(-7px, 0px, 0px);-webkit-transform: translate3d(-7px, 0px, 0px);-moz-transform: translate3d(-7px, 0px, 0px);-o-transform: translate3d(-7px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 8px;height: 8px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgba(255, 255, 255, 0) rgb(75, 171, 58) rgb(75, 171, 58) rgba(255, 255, 255, 0);box-sizing: border-box;line-height: 0;'><br></section></section><section style='justify-content: flex-end;margin-top: -1px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 8px;height: 8px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgb(75, 171, 58) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section></section></section></section></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><br><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;width: 522px;height: 47px;'></span></p></section><section style='text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;box-sizing: border-box;width: 100%;height: auto;'></span></section></section><section powered-by="xiumi.us"><p>数据来源：中国银行保险监督管理委员会网站。<br></p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'><br></p><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;width: 480px;height: 56px;'></span></p></section><section style='text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;box-sizing: border-box;width: 100%;height: auto;'></span></section></section><section style='text-align: center; box-sizing: border-box;' powered-by="xiumi.us"><p style='text-align: left;box-sizing: border-box;'>数据来源：中国银行保险监督管理委员会网站。</p><p style='box-sizing: border-box;'><br></p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='text-indent: 2em; box-sizing: border-box;'><span style='font-size: 17px;box-sizing: border-box;'>2019年以来，银保监会坚持“保险姓保”的发展导向，人身险公司全年“保险金额”与“保单件数”同比略有下降，但意外险和健康险赔付支出均实现了高速增长，同比增速分别为11.3%和34.8%。<strong style='box-sizing: border-box;'>保险业有效发挥了经济“减震器”、社会“稳定器”作用。</strong></span></p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;width: 499px;height: 46px;'></span></p></section><section style='text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;box-sizing: border-box;width: 100%;height: auto;'></span></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><span style='text-align: justify;'>数据来源：</span><span style='text-align: justify;'>中国银行保险监督管理委员会网站。</span><br></p><p style='text-align: center; box-sizing: border-box;'><br></p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;padding-left: 30px;box-sizing: border-box;'><section style='transform: translate3d(-30px, 0px, 0px);margin-right: 0%;margin-bottom: -30px;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 30px;height: 30px;vertical-align: top;overflow: hidden;border-width: 1px;border-radius: 100%;border-style: dashed;border-color: rgb(75, 171, 58);background-color: rgba(118, 178, 124, 0);box-sizing: border-box;'><section style='text-align: justify;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section><section style='text-align: center;transform: translate3d(-15px, 0px, 0px);-webkit-transform: translate3d(-15px, 0px, 0px);-moz-transform: translate3d(-15px, 0px, 0px);-o-transform: translate3d(-15px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;padding-top: 3px;padding-bottom: 3px;box-sizing: border-box;'><section style='text-align: justify;font-size: 17px;color: rgb(75, 171, 58);box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>（二）市场竞争态势“趋稳”，转型升级力度“有进”</strong></p></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;vertical-align: middle;width: 100%;text-align: center;box-sizing: border-box;'><section style='height: 5px;line-height: 5px;box-sizing: border-box;'><section style='display: inline-block; vertical-align: bottom; box-sizing: border-box;'><span style='width: 5px;height: 5px;float: left;border-radius: 50%;border-width: 1px;border-style: solid;border-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;border-width: 1px;border-style: solid;border-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;border-width: 1px;border-style: solid;border-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;background-color: rgb(254, 255, 255);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;background-color: rgb(254, 255, 255);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;border-width: 1px;border-style: solid;border-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;border-width: 1px;border-style: solid;border-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;border-width: 1px;border-style: solid;border-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <section style='clear: both;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section></section></section><section style='margin-top: -3px;margin-bottom: -3px;box-sizing: border-box;'><section style='border-width: 1px;border-style: dotted;border-color: rgb(210, 210, 210);box-sizing: border-box;'><section style='padding: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 17px;box-sizing: border-box;'><p style='text-align: justify; text-indent: 2em; box-sizing: border-box;'>2019年，中小保险公司依托趸交、中短期期交业务实现了19.9%的高保费增长。传统保险公司聚焦长期期交、保障型业务，加快转型升级，保费增速为8.6%。老七家保险公司市场集中度稳中有降，积极推进核心管理层更替，提出新一轮发展战略，净利润增速不断提升。此外，在华外资保险公司保费收入增速显著高于中资保险公司。<strong style='box-sizing: border-box;'>各类市场主体加快发展，人身险市场竞争更加充分。</strong></p></section></section></section></section><section style='height: 5px;line-height: 5px;box-sizing: border-box;'><section style='display: inline-block; vertical-align: top; box-sizing: border-box;'><span style='width: 5px;height: 5px;float: left;border-radius: 50%;border-width: 1px;border-style: solid;border-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;border-width: 1px;border-style: solid;border-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;border-width: 1px;border-style: solid;border-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;background-color: rgb(254, 255, 255);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;background-color: rgb(254, 255, 255);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;border-width: 1px;border-style: solid;border-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;border-width: 1px;border-style: solid;border-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;border-width: 1px;border-style: solid;border-color: rgb(75, 171, 58);box-sizing: border-box;'></span> </section><section style='clear: both;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;width: 499px;height: 46px;'></span></p></section><section style='text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;box-sizing: border-box;width: 100%;height: auto;'></span></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; text-indent: 0em;'><span style='text-align: justify;'>数据来</span><span style='text-align: justify;'>源：</span><span style='text-align: justify;'>行业交流数据。</span><br></section><p style='text-align: center; box-sizing: border-box;'><br></p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;padding-left: 30px;box-sizing: border-box;'><section style='transform: translate3d(-30px, 0px, 0px);margin-right: 0%;margin-bottom: -30px;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 30px;height: 30px;vertical-align: top;overflow: hidden;border-width: 1px;border-radius: 100%;border-style: dashed;border-color: rgb(75, 171, 58);background-color: rgba(118, 178, 124, 0);box-sizing: border-box;'><section style='text-align: justify;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section><section style='text-align: center;transform: translate3d(-15px, 0px, 0px);-webkit-transform: translate3d(-15px, 0px, 0px);-moz-transform: translate3d(-15px, 0px, 0px);-o-transform: translate3d(-15px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;padding-top: 3px;padding-bottom: 3px;box-sizing: border-box;'><section style='text-align: left;font-size: 17px;color: rgb(75, 171, 58);box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>（三）销售队伍总量“趋稳”，保险营销质态“有进”</strong></p></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin: 10px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;border-width: 0px;box-sizing: border-box;'><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-right: 5px;padding-left: 5px;border-width: 0px;box-sizing: border-box;'><section style='transform: translate3d(5px, 0px, 0px);-webkit-transform: translate3d(5px, 0px, 0px);-moz-transform: translate3d(5px, 0px, 0px);-o-transform: translate3d(5px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 17px;line-height: 1.6;box-sizing: border-box;'><p style='text-indent: 2em; box-sizing: border-box;'>2019年，头部险企经营策略出现分化，各寿险公司代理人数量有增有减，但均着力提升代理人质量与产能。北京大学汇丰商学院2019年9月发布的《2019中国保险中介市场生态白皮书》显示，2019年营销员队伍中，一年期新人占比达四成，大专以上学历占比达66%，较2018年提升4个百分点，月收入超过1万元的新人占比达到12.6%，较2018年提升3.9个百分点。<strong style='box-sizing: border-box;'>未来销售队伍将更加注重质态提升。</strong></p></section></section></section></section><section style='text-align: right;margin-top: -200px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 200px;height: 200px;vertical-align: top;overflow: hidden;background-color: rgba(118, 178, 124, 0);border-radius: 100%;border-width: 1px;border-style: dashed;border-color: rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box; text-align: center;'><br></p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;padding-left: 30px;box-sizing: border-box;'><section style='transform: translate3d(-30px, 0px, 0px);margin-right: 0%;margin-bottom: -30px;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 30px;height: 30px;vertical-align: top;overflow: hidden;border-width: 1px;border-radius: 100%;border-style: dashed;border-color: rgb(75, 171, 58);background-color: rgba(118, 178, 124, 0);box-sizing: border-box;'><section style='text-align: justify;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section><section style='text-align: center;transform: translate3d(-15px, 0px, 0px);-webkit-transform: translate3d(-15px, 0px, 0px);-moz-transform: translate3d(-15px, 0px, 0px);-o-transform: translate3d(-15px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;padding-top: 3px;padding-bottom: 3px;box-sizing: border-box;'><section style='text-align: left;font-size: 17px;color: rgb(75, 171, 58);box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>（四） 科技赋能方向“趋稳”，行业发展动力“有进”</strong></p></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin: 10px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;border-width: 0px;box-sizing: border-box;'><section style='margin-right: 0%; margin-bottom: -80px; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 80px;height: 80px;vertical-align: top;overflow: hidden;background-color: rgba(118, 178, 124, 0);border-radius: 100%;border-width: 1px;border-style: dashed;border-color: rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section></section><section style='margin-top: -50px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-right: 5px;padding-left: 5px;border-width: 0px;box-sizing: border-box;'><section style='transform: translate3d(5px, 0px, 0px);-webkit-transform: translate3d(5px, 0px, 0px);-moz-transform: translate3d(5px, 0px, 0px);-o-transform: translate3d(5px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 17px;line-height: 1.6;box-sizing: border-box;'><p style='text-indent: 2em; box-sizing: border-box;'>人工智能、大数据、区块链快速推广，大幅改变传统保险链条各环节的关键支点。在前台，场景化、平台化的保险产品和服务正在不断涌现和快速增长。在中台，投保无纸化、审核自动化等技术应用正悄然改变着保险行业理赔方式。在后台，科技手段识别反欺诈行为，管控道德风险，有效提升了承保理赔等环节的风险识别和防控能力。2019年，中国人寿理赔平均时效0.56天，小额理赔时效0.2天，同比提速75%，居行业前列。</p></section></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;padding-left: 30px;box-sizing: border-box;'><section style='transform: translate3d(-30px, 0px, 0px);margin-right: 0%;margin-bottom: -30px;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 30px;height: 30px;vertical-align: top;overflow: hidden;border-width: 1px;border-radius: 100%;border-style: dashed;border-color: rgb(75, 171, 58);background-color: rgba(118, 178, 124, 0);box-sizing: border-box;'><section style='text-align: justify;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section><section style='text-align: center;transform: translate3d(-15px, 0px, 0px);-webkit-transform: translate3d(-15px, 0px, 0px);-moz-transform: translate3d(-15px, 0px, 0px);-o-transform: translate3d(-15px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;padding-top: 3px;padding-bottom: 3px;box-sizing: border-box;'><section style='text-align: left;font-size: 17px;color: rgb(75, 171, 58);box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>（五） 保险资金运用“趋稳”，服务国家大局“有进”</strong></p></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;vertical-align: middle;width: 100%;text-align: center;box-sizing: border-box;'><section style='height: 5px;line-height: 5px;box-sizing: border-box;'><section style='display: inline-block; vertical-align: bottom; box-sizing: border-box;'><span style='width: 5px;height: 5px;float: left;border-radius: 50%;background-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;background-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;background-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;background-color: rgb(254, 255, 255);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;background-color: rgb(254, 255, 255);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;background-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;background-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;background-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <section style='clear: both;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section></section></section><section style='margin-top: -3px;margin-bottom: -3px;box-sizing: border-box;'><section style='border-width: 1px;border-style: solid;border-color: rgb(210, 210, 210);box-sizing: border-box;'><section style='padding: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;font-size: 17px;box-sizing: border-box;'><p style='text-indent: 2em; box-sizing: border-box;'>2019年，保险资金运用余额[ 保险资金运用余额数据为全行业口径。]较年初增长12.9%，投资收益实现高速增长。前三季度，平安、国寿、太保和新华的总投资收益率分别为6.0%、5.7%、5.1%和4.7%。同时，险资充分发挥保险保障功能和长期稳定优势，服务国家重大发展战略，增强对实体经济和民生领域的投资力度。目前，支持长江经济带、京津冀协同发展的资金规模分别超过6000亿元和2500亿元。</p></section></section></section></section><section style='height: 5px;line-height: 5px;box-sizing: border-box;'><section style='display: inline-block; vertical-align: top; box-sizing: border-box;'><span style='width: 5px;height: 5px;float: left;border-radius: 50%;background-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;background-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;background-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;background-color: rgb(254, 255, 255);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;background-color: rgb(254, 255, 255);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;background-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;background-color: rgb(75, 171, 58);box-sizing: border-box;'></span> <span style='width: 5px;height: 5px;float: left;border-radius: 50%;margin-left: 4px;background-color: rgb(75, 171, 58);box-sizing: border-box;'></span> </section><section style='clear: both;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;padding-left: 30px;box-sizing: border-box;'><section style='transform: translate3d(-30px, 0px, 0px);margin-right: 0%;margin-bottom: -30px;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 30px;height: 30px;vertical-align: top;overflow: hidden;border-width: 1px;border-radius: 100%;border-style: dashed;border-color: rgb(75, 171, 58);background-color: rgba(118, 178, 124, 0);box-sizing: border-box;'><section style='text-align: justify;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section><section style='text-align: center;transform: translate3d(-15px, 0px, 0px);-webkit-transform: translate3d(-15px, 0px, 0px);-moz-transform: translate3d(-15px, 0px, 0px);-o-transform: translate3d(-15px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;padding-top: 3px;padding-bottom: 3px;box-sizing: border-box;'><section style='text-align: left;font-size: 17px;color: rgb(75, 171, 58);box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>（六）监管政策导向“趋稳”，防范风险能力“有进”</strong></p></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-top: 0.5em;margin-bottom: 0.5em;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box;'><section style='width: 20px;height: 20px;float: left;border-top: 2px solid rgb(75, 171, 58);border-left: 2px solid rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section><section style='width: 20px;height: 20px;float: right;border-top: 2px solid rgb(75, 171, 58);border-right: 2px solid rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section><section style='clear: both;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section><section style='margin-top: -20px;margin-bottom: -20px;box-sizing: border-box;'><section style='border-width: 2px;border-style: dotted;border-color: rgb(233, 233, 233);padding: 10px 5px;box-sizing: border-box;'><section style='text-align: justify;font-size: 17px;box-sizing: border-box;' powered-by="xiumi.us"><p style='text-indent: 2em; clear: none; box-sizing: border-box;'>2019年“严监管”持续加码，监管机构继续治理市场乱象。截至四季度末，人身险公司综合偿付能力充足率为247.5%，保持在合理区间；市场主体风险和合规意识显著增强，处罚规模整体下降，银保监局与地方银保监会面向公司及个人罚款金额同比下降约4成。<strong style='box-sizing: border-box;'>由于风险形势依然复杂，未来严监管趋势将保持强态势。</strong></p></section></section></section><section style='width: 20px;height: 20px;float: left;border-bottom: 2px solid rgb(75, 171, 58);border-left: 2px solid rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section><section style='width: 20px;height: 20px;float: right;border-bottom: 2px solid rgb(75, 171, 58);border-right: 2px solid rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section><section style='clear: both;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;vertical-align: top;width: 0.5em;height: 1.8em;border-bottom: 0.9em solid rgb(75, 171, 58);border-top: 0.9em solid rgb(75, 171, 58);box-sizing: border-box;line-height: 0;border-left: 0.9em solid transparent !important;'><br></section><section style='display: inline-block;vertical-align: top;height: 1.8em;line-height: 1.8em;padding-right: 5px;padding-left: 5px;background-color: rgb(75, 171, 58);color: rgb(255, 255, 255);font-size: 17px;box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>2020年行业发展趋势展望</strong></p></section><section style='display: inline-block;vertical-align: top;width: 0.5em;height: 1.8em;border-left: 0.9em solid rgb(75, 171, 58);box-sizing: border-box;line-height: 0;border-bottom: 0.9em solid transparent !important;border-top: 0.9em solid transparent !important;'><br></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;padding-right: 20px;box-sizing: border-box;'><section style='margin-right: 0%;margin-bottom: 10px;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 35px;height: 35px;vertical-align: top;overflow: hidden;border-radius: 100%;border-width: 0px;border-style: none;border-color: rgb(62, 62, 62);background-color: rgba(59, 145, 73, 0.12);box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='text-align: right;margin-top: -40px;margin-right: 0%;margin-left: 0%;transform: translate3d(20px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;color: rgb(62, 62, 62);font-size: 17px;box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>（一）我国保险业将长期处于重要的战略机遇期，高质量发展仍是主旋律</strong></p></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='font-size: 17px;box-sizing: border-box;' powered-by="xiumi.us"><p style='text-indent: 2em; box-sizing: border-box;'>全球经济增长继续放缓，但我国经济稳中向好的基本趋势没有变。中国保险业仍将长期处于重要的战略机遇期。</p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; font-size: 11px; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;padding-right: 0.2em;padding-top: 0.5em;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: 3em;height: 3em;border-width: 1px;border-style: solid;border-color: rgb(75, 171, 58);padding: 3px;border-radius: 100%;box-sizing: border-box;'><section style='width: 100%;height: 100%;border-radius: 100%;background-color: rgb(75, 171, 58);text-align: center;color: rgb(255, 255, 255);font-size: 20px;line-height: 1.4;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section><section style='display: inline-block;vertical-align: top;width: 6px;height: 6px;border-radius: 100%;margin-left: -0.5em;background-color: rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section><section style='display: inline-block;vertical-align: top;width: 3px;height: 3px;border-radius: 100%;margin-top: -0.22em;margin-left: 0.1em;background-color: rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section></section></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 16px;border-width: 0px;box-sizing: border-box;'><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;border-left: 2px dashed rgb(160, 160, 160);border-bottom-left-radius: 0px;padding-left: 10px;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 17px;box-sizing: border-box;'><p style='text-indent: 2em; box-sizing: border-box;'><strong style='box-sizing: border-box;'>从宏观环境看</strong>， 2019年我国人均GDP首次超越1万美元。从全球保险业发展历程来看，当人均GDP达到1万美元时，居民对保险业的潜在需求将会全面迸发。此外，以十年期国债收益率为代表的宏观利率下行趋势明显，叠加银行理财产品发行规模持续萎缩， P2P等资管产品爆雷增多，居民风险偏好下降，保险产品的吸引力相对上升。</p></section></section></section></section></section></section></section></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; font-size: 11px; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;padding-right: 0.2em;padding-top: 0.5em;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: 3em;height: 3em;border-width: 1px;border-style: solid;border-color: rgb(75, 171, 58);padding: 3px;border-radius: 100%;box-sizing: border-box;'><section style='width: 100%;height: 100%;border-radius: 100%;background-color: rgb(75, 171, 58);text-align: center;color: rgb(255, 255, 255);font-size: 20px;line-height: 1.4;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section><section style='display: inline-block;vertical-align: top;width: 6px;height: 6px;border-radius: 100%;margin-left: -0.5em;background-color: rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section><section style='display: inline-block;vertical-align: top;width: 3px;height: 3px;border-radius: 100%;margin-top: -0.22em;margin-left: 0.1em;background-color: rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section></section></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 16px;border-width: 0px;box-sizing: border-box;'><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;border-left: 2px dashed rgb(160, 160, 160);border-bottom-left-radius: 0px;padding-left: 10px;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 17px;box-sizing: border-box;'><p style='text-indent: 2em; box-sizing: border-box;'><strong style='box-sizing: border-box;'>从社会环境看</strong>，2020年初，湖北及全国多个省市自治区爆发新型冠状病毒感染的肺炎疫情。众多险企在第一时间启动应急预案，开通绿色理赔通道，并迅速捐款捐物、为一线医护人员提供专属风险保障，积极发挥经济补偿功能，彰显保险业行业价值和社会责任，有利于提升保险业形象和居民保险意识。</p></section></section></section></section></section></section></section></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; font-size: 11px; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;padding-right: 0.2em;padding-top: 0.5em;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: 3em;height: 3em;border-width: 1px;border-style: solid;border-color: rgb(75, 171, 58);padding: 3px;border-radius: 100%;box-sizing: border-box;'><section style='width: 100%;height: 100%;border-radius: 100%;background-color: rgb(75, 171, 58);text-align: center;color: rgb(255, 255, 255);font-size: 20px;line-height: 1.4;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section><section style='display: inline-block;vertical-align: top;width: 6px;height: 6px;border-radius: 100%;margin-left: -0.5em;background-color: rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section><section style='display: inline-block;vertical-align: top;width: 3px;height: 3px;border-radius: 100%;margin-top: -0.22em;margin-left: 0.1em;background-color: rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section></section></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 16px;border-width: 0px;box-sizing: border-box;'><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;border-left: 2px dashed rgb(160, 160, 160);border-bottom-left-radius: 0px;padding-left: 10px;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 17px;box-sizing: border-box;'><p style='text-indent: 2em; box-sizing: border-box;'><strong style='box-sizing: border-box;'>从政策环境看</strong>，2019年12月，《中国银保监会关于推动银行业和保险业高质量发展的指导意见》发布，为行业未来五年绘就发展蓝图。2020年1月，《关于促进社会服务领域商业保险发展的意见》发布，提出到2025年，健康险市场规模力争超过2万亿元，并明确提出了促进社会领域商业保险发展的多项政策举措，支持力度很大。</p></section></section></section></section></section></section></section></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; font-size: 11px; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;padding-right: 0.2em;padding-top: 0.5em;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: 3em;height: 3em;border-width: 1px;border-style: solid;border-color: rgb(75, 171, 58);padding: 3px;border-radius: 100%;box-sizing: border-box;'><section style='width: 100%;height: 100%;border-radius: 100%;background-color: rgb(75, 171, 58);text-align: center;color: rgb(255, 255, 255);font-size: 20px;line-height: 1.4;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section><section style='display: inline-block;vertical-align: top;width: 6px;height: 6px;border-radius: 100%;margin-left: -0.5em;background-color: rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section><section style='display: inline-block;vertical-align: top;width: 3px;height: 3px;border-radius: 100%;margin-top: -0.22em;margin-left: 0.1em;background-color: rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section></section></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 16px;border-width: 0px;box-sizing: border-box;'><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;border-left: 2px dashed rgb(160, 160, 160);border-bottom-left-radius: 0px;padding-left: 10px;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 17px;box-sizing: border-box;'><p style='text-indent: 2em; box-sizing: border-box;'><strong style='box-sizing: border-box;'>从客户群体看</strong>，消费人群、消费习惯、消费需求都发生了变化。据中国人寿《2019年市场客户调研报告》，社会主流消费群体正在进行代际转移，80后已购人群占比62%，是现阶段保险需求市场的主力客群，90后保险保障意识最强。同时，市场焦虑指数和避险情绪上升，促进了市场对保险的需求和认知，大众客户在保险安排上倾向于“由近及远”：依次解决医疗、疾病，需求，储蓄、教育，以及养老和身故需求。此外，保险需求更加多元，消费者希望获得更加清晰易懂的产品、更加个性化且便捷的服务，以及一揽子风险解决方案等。</p></section></section></section></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-right: 0%; margin-left: 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;padding-right: 20px;box-sizing: border-box;'><section style='margin-right: 0%;margin-bottom: 10px;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 35px;height: 35px;vertical-align: top;overflow: hidden;border-radius: 100%;border-width: 0px;border-style: none;border-color: rgb(62, 62, 62);background-color: rgba(59, 145, 73, 0.12);box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='text-align: right;margin-top: -40px;margin-right: 0%;margin-left: 0%;transform: translate3d(20px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;color: rgb(62, 62, 62);font-size: 17px;box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>（二）人身险发展动能转换，将加剧市场经营主体多方面策略分化</strong></p></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-top: 0.5em;margin-bottom: 0.5em;box-sizing: border-box;' powered-by="xiumi.us"><section style='width: 100%;height: 8px;background-color: rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section><section style='border-right: 1px solid rgb(204, 204, 204);border-bottom: 1px solid rgb(204, 204, 204);border-left: 1px solid rgb(204, 204, 204);border-top: none rgb(204, 204, 204);box-shadow: rgb(204, 204, 204) 0px 0px 8px;box-sizing: border-box;'><section style='font-size: 17px; padding: 5px 10px; box-sizing: border-box;'><section style='box-sizing: border-box;text-indent: 2em;'><strong style='box-sizing: border-box;'>1.在竞争方面，一线城市市场竞争加剧，下沉市场正成为群雄必争之地</strong></section></section><section style='border-top: 1px solid rgb(204, 204, 204);padding: 10px;box-sizing: border-box;'><section style='font-size: 17px;box-sizing: border-box;' powered-by="xiumi.us"><p style='text-indent: 2em; box-sizing: border-box;'>2019年，保险业对外开放进程持续加快，外资险企在一线城市的市场份额连年攀升，远高于全国平均水平，北上深三地贡献了外资总保费收入的30%左右。一线城市经济较为发达、风险管理意识和保险需求较高，预计仍将为外资险企优先布局市场。同时，国家统计局数据显示，全国三线以下城市及农村乡镇地区居民规模多达10亿人，占总人口比重超70%。广大乡镇农村地区还存在一定的人口红利，县域及以下的“两乡”将成为中国人身险市场的群雄必争之地。</p></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-top: 0.5em;margin-bottom: 0.5em;box-sizing: border-box;' powered-by="xiumi.us"><section style='width: 100%;height: 8px;background-color: rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section><section style='border-right: 1px solid rgb(204, 204, 204);border-bottom: 1px solid rgb(204, 204, 204);border-left: 1px solid rgb(204, 204, 204);border-top: none rgb(204, 204, 204);box-shadow: rgb(204, 204, 204) 0px 0px 8px;box-sizing: border-box;'><section style='font-size: 17px; padding: 5px 10px; box-sizing: border-box;'><section style='box-sizing: border-box;text-indent: 2em;'><strong style='box-sizing: border-box;'>2.在产品方面，大型金融保险集团向产业链突破，中小险企以提供更具个性化保险产品为主</strong></section></section><section style='border-top: 1px solid rgb(204, 204, 204);padding: 10px;box-sizing: border-box;'><section style='font-size: 17px;box-sizing: border-box;' powered-by="xiumi.us"><p style='text-indent: 2em; box-sizing: border-box;'>《关于促进社会服务领域商业保险发展的意见》明确了2025年健康险和养老险的发展目标，<strong style='box-sizing: border-box;'>预计2020年，全行业以养老年金为主的长期储蓄险和以健康险为主的保障型保险有望迎来共振。</strong></p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='text-indent: 2em; box-sizing: border-box;'>经过转型升级，“以客户为中心”的经营理念已成为各险企的共识，但不同类型险企的经营策略逐步分化。<strong style='box-sizing: border-box;'>大型金融保险集团</strong>将向产业链突破，积极打造大健康、大养老生态圈。<strong style='box-sizing: border-box;'>在“大健康”领域</strong>，中国人寿在成立大健康基金和产业投资有限公司，在大健康板块多个领域进行全产业链布局。平安、泰康等险企已开始打造线上线下相结合的“保险+健康医疗”生态圈。<strong style='box-sizing: border-box;'>在“大养老”领域</strong>，中国人寿遵循“大养老”思路，重资产推进“三点一线、四季常青”战略布局；中国太平“轻重并举”，加快推进全国养老社区布局。各险企深度挖掘客户需求，将传统养老险、健康险与入住养老社区相结合，打造保单实物化。<strong style='box-sizing: border-box;'>中小险企</strong>将不断探索“特色化经营、差异化竞争”的发展路径，专注细分客户群和场景，推出简单化、碎片化、高性价比产品，打造自身差异化特色。</p></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-top: 0.5em;margin-bottom: 0.5em;box-sizing: border-box;' powered-by="xiumi.us"><section style='width: 100%;height: 8px;background-color: rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section><section style='border-right: 1px solid rgb(204, 204, 204);border-bottom: 1px solid rgb(204, 204, 204);border-left: 1px solid rgb(204, 204, 204);border-top: none rgb(204, 204, 204);box-shadow: rgb(204, 204, 204) 0px 0px 8px;box-sizing: border-box;'><section style='font-size: 17px; padding: 5px 10px; box-sizing: border-box;'><section style='box-sizing: border-box;text-indent: 2em;'><strong style='box-sizing: border-box;'>3.在队伍方面，存量代理人聚焦产能提升，增量代理人吸纳精英人才</strong></section></section><section style='border-top: 1px solid rgb(204, 204, 204);padding: 10px;box-sizing: border-box;'><section style='font-size: 17px;box-sizing: border-box;' powered-by="xiumi.us"><p style='text-indent: 2em; box-sizing: border-box;'>随着人口红利逐渐消减，传统“增员驱动”的模式已难以为继。2018年以来，保险代理人规模增速不断下降，部分寿险公司人力规模出现负增长。但随着行业调整的逐步深入，寿险规模人力有望企稳。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='text-indent: 2em; box-sizing: border-box;'>预计未来一段时期，保险行业将告别人海战术，更加注重销售队伍专业化和产能提升。医生、律师等传统精英人才作为全职化的代理人进入保险行业的步伐正在提速。此外， 当下国内毕业大学生就业压力明显，高素质、高学历的应届毕业生群体有可能成为行业增员焦点。</p></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-top: 0.5em;margin-bottom: 0.5em;box-sizing: border-box;' powered-by="xiumi.us"><section style='width: 100%;height: 8px;background-color: rgb(75, 171, 58);box-sizing: border-box;line-height: 0;'><br></section><section style='border-right: 1px solid rgb(204, 204, 204);border-bottom: 1px solid rgb(204, 204, 204);border-left: 1px solid rgb(204, 204, 204);border-top: none rgb(204, 204, 204);box-shadow: rgb(204, 204, 204) 0px 0px 8px;box-sizing: border-box;'><section style='font-size: 17px; padding: 5px 10px; box-sizing: border-box;'><section style='box-sizing: border-box;text-indent: 2em;'><strong style='box-sizing: border-box;'>4.在科技方面，技术进步延展可保风险边界，健康服务管理空间广阔</strong></section></section><section style='border-top: 1px solid rgb(204, 204, 204);padding: 10px;box-sizing: border-box;'><section style='font-size: 17px;box-sizing: border-box;' powered-by="xiumi.us"><p style='text-indent: 2em; box-sizing: border-box;'>保险与科技的融合将进一步加深。科技进步一方面降低了原有的部分风险程度，另一方面也延展了可保风险边界。数据显示，2018年全国高血压、糖尿病等慢性病发病人群在3亿左右。基于这些非标体的保险产品+慢病管理服务发展空间较大。能够获取全面的风险数据、精准定价风险、做好两核风险管控的保险公司将能更好地抢占可保风险边界延展的空间。如“国寿肺安宝特定肿瘤疾病保险” 为无法购买传统健康险产品的肺结节人群带来福音，客户可以在体检机构或医院进行肺CT检查,通过在线传输CT图像电子版资料来投保此款产品，让肺小结节人群有机会获得健康险保障。</p></section></section></section></section></section><section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box; text-align: right;'><br></p><p style='box-sizing: border-box; text-align: right;'><span style='font-size: 16px;'>中国人寿保险股份有限公司战略规划部</span></p></section></section><br>转载声明：本文转载自「国寿研究声」，搜索「功能介绍中国人寿金融研究院研究成果共享平台」即可关注，[<a target="_blank" href="https://mp.weixin.qq.com/s/RqnmeDJIiHAgFIrOIZp1Sw">阅读原文</a>]。</div><p></p>
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