一季度上市险企喜忧参半！1家公司保费收入负增长，产寿险冰火两重天......
<div class="wx_rich_media_content" id="jsWxContainer"><p style='margin-left: 8px;margin-right: 8px;'><span class="wxart_image" wx-style='display:inline-block;'></span></p><section style='box-sizing: border-box;font-size: 16px;'><section style='margin: 10px 8px -40px; box-sizing: border-box;'><section style='display: inline-block;width: 60px;height: 40px;vertical-align: top;overflow: hidden;border-left: 10px solid rgb(55, 111, 188);border-bottom-left-radius: 0px;box-sizing: border-box;line-height: 0;'><br></section></section><section style='color: rgb(121, 121, 121);padding-right: 20px;padding-left: 20px;line-height: 2.3;letter-spacing: 2px;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>截至4月末，<strong style='box-sizing: border-box;'>中国人保、中国人寿、中国太保、中国平安、新华保险等</strong>5家A股上市险企<strong style='box-sizing: border-box;'>2019年一季度业绩全部披露完毕。</strong>2020年初新冠肺炎疫情暴发，导致生产和消费停摆，对保险业经营造成较大冲击。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section></section><section style='text-align: right;margin: -40px 8px 10px;box-sizing: border-box;'><section style='display: inline-block;width: 60px;height: 40px;vertical-align: top;overflow: hidden;border-left: 10px none rgb(244, 220, 50);border-bottom-left-radius: 0px;border-right: 10px solid rgb(55, 111, 188);border-top-right-radius: 0px;box-sizing: border-box;line-height: 0;'><br></section></section><section style='line-height: 2;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section></section><section style='line-height: 2.3;letter-spacing: 2px;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>总体来看，除中国平安外，其他4家公司的保费收入均保持<strong style='box-sizing: border-box;'>正增长</strong>，但增幅较2019年同期普遍下滑。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>从产寿险业务来看，疫情阻挠线下展业使寿险业务增减不一，而产险业务则在非车险和意健险的推动下逆势上涨。</section></section><section style='line-height: 3;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section></section><section style='margin: 0.5em 8px;text-align: center;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: 0px;margin-top: 0.4em;border-left: 0.8em solid rgb(95, 156, 239);border-top: 0.8em solid rgb(95, 156, 239);box-sizing: border-box;line-height: 0;border-right: 0.8em solid transparent !important;border-bottom: 0.8em solid transparent !important;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section><section style='display: inline-block;vertical-align: top;box-sizing: border-box;max-width: 80% !important;'><section style='margin: 10px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;font-size: 17px;letter-spacing: 1px;box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>国寿、平安净利负增长</strong></p></section></section></section><section style='display: inline-block;vertical-align: bottom;width: 0px;margin-bottom: 0.3em;border-right: 0.8em solid rgb(95, 156, 239);border-bottom: 0.8em solid rgb(95, 156, 239);box-sizing: border-box;line-height: 0;border-left: 0.8em solid transparent !important;border-top: 0.8em solid transparent !important;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section></section><section style='line-height: 2.3;letter-spacing: 2px;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>2020年一季度，受疫情影响，大部分险企保费增长承受压力，净利润增速也出现明显分化，<strong style='box-sizing: border-box;'>体量最大的中国人寿、中国平安均出现负增长</strong>。</section></section><section style='text-align: center;margin: 15px 8px;box-sizing: border-box;'><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;'></span></section></section><section style='line-height: 2.3;letter-spacing: 2px;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section></section><section style='margin-bottom: 10px;box-sizing: border-box;margin-left: 8px;margin-right: 8px;'><section style='display: inline-block;width: 100%;vertical-align: top;padding-right: 15px;box-shadow: rgb(0, 0, 0) 0px 0px 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;box-shadow: rgb(170, 216, 255) 0px -3px 0px inset;background-color: rgb(237, 247, 255);padding-top: 30px;border-width: 0px;border-radius: 5px;border-style: none;border-color: rgb(62, 62, 62);overflow: hidden;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='color: rgb(55, 55, 74);letter-spacing: 2px;line-height: 2.3;padding-right: 20px;padding-left: 20px;box-sizing: border-box;'><p style='box-sizing: border-box;'>对于净利润负增长，<strong style='box-sizing: border-box;'><span style='font-size: 17px;box-sizing: border-box;'>中国人寿</span></strong>表示，主要是受<strong style='box-sizing: border-box;'>传统险准备金折现率假设更新</strong>及<strong style='box-sizing: border-box;'>总投资收益下降</strong>的综合影响。</p></section></section><section style='line-height: 1.6;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></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section></section><section style='margin-bottom: 10px;box-sizing: border-box;margin-left: 8px;margin-right: 8px;'><section style='display: inline-block;width: 100%;vertical-align: top;padding-right: 15px;box-shadow: rgb(0, 0, 0) 0px 0px 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;box-shadow: rgb(170, 216, 255) 0px -3px 0px inset;background-color: rgb(237, 247, 255);padding-top: 30px;border-width: 0px;border-radius: 5px;border-style: none;border-color: rgb(62, 62, 62);overflow: hidden;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='color: rgb(55, 55, 74);letter-spacing: 2px;line-height: 2.3;padding-right: 20px;padding-left: 20px;box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'><span style='font-size: 17px;box-sizing: border-box;'>中国平安</span></strong>表示，在疫情冲击下，公司经营面临<strong style='box-sizing: border-box;'>线下业务开展受阻、信用风险上扬、权益市场波动、市场利率下行</strong>等诸多不利因素，努力采取线上化转型等各种举措，减小疫情影响。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>同时境内外资本市场大幅下跌，且公司执行新金融工具会计准则，公允价值变动损益波动加大，导致<strong style='box-sizing: border-box;'>投资收益大幅下降</strong>。</p></section></section><section style='line-height: 1.6;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></section><section style='line-height: 2.3;letter-spacing: 2px;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>两家公司都提到“<strong style='box-sizing: border-box;'>投资收益下降</strong>”是导致净利润增速下滑的原因之一。2020年一季度，在股市下跌、利率下行的背景下，对比权益市场大幅上涨的2019年同期，险资投资方面承压。 </section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>数据显示，截至3月末，中国人寿投资资产达3.68万亿元，较2019年底增长2.8%，一季度年化总投资收益率为5.13%，同比下降158个基点，年化净投资收益率为4.29%，同比下降2个基点。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>中国平安保险资金投资组合规模为3.38万亿元，较2019年底增长5.3%，一季度年化净投资收益率为3.6%，同比下降0.3个百分点，年化总投资收益率为3.4%，同比下降1.7个百分点。 </section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>而<strong style='box-sizing: border-box;'>其他3家险企净利润的增长则得益于投资收益的大幅增长</strong>。例如，新华保险一季度年化总投资收益率为5.1%，同比增长0.9个百分点。 </section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>华创证券认为，一季度中国人保实现净利润增长，一方面是由于<strong style='box-sizing: border-box;'>综合成本率下降</strong>，另一方面投资贡献了较多利润，及时减仓实现了买卖价差收益；中国太保权益投资相对保守及时减仓，利润大幅增长主要由<strong style='box-sizing: border-box;'>买卖价差</strong>贡献。</section></section><section style='line-height: 3;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section></section><section style='margin: 0.5em 8px;text-align: center;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: 0px;margin-top: 0.4em;border-left: 0.8em solid rgb(95, 156, 239);border-top: 0.8em solid rgb(95, 156, 239);box-sizing: border-box;line-height: 0;border-right: 0.8em solid transparent !important;border-bottom: 0.8em solid transparent !important;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section><section style='display: inline-block;vertical-align: top;box-sizing: border-box;max-width: 80% !important;'><section style='margin: 10px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;letter-spacing: 1px;box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'><span style='font-size: 17px;box-sizing: border-box;'>寿险业务分化明显</span></strong></p></section></section></section><section style='display: inline-block;vertical-align: bottom;width: 0px;margin-bottom: 0.3em;border-right: 0.8em solid rgb(95, 156, 239);border-bottom: 0.8em solid rgb(95, 156, 239);box-sizing: border-box;line-height: 0;border-left: 0.8em solid transparent !important;border-top: 0.8em solid transparent !important;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section></section><section style='line-height: 2.3;letter-spacing: 2px;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>受疫情影响，寿险传统的线下销售、增员、基础管理等活动无法开展，短期给寿险业务发展带来较为明显的影响。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px; text-align: justify;'>一季报显示，中国人寿、平安人寿、太保寿险、新华保险、人保寿险的保费收入增速分别为13.0%、-11.0%、-1.1%、34.9%、-8.7%。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>此前，中国银保监会公布的保险业经营数据显示，人身险公司一季度保费收入同比增长1.8%。 </section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>记者了解到，中国人寿和新华保险凭借<strong style='box-sizing: border-box;'>提前筹备银保渠道</strong>及<strong style='box-sizing: border-box;'>开门红提早发力</strong>，一季度实现保费收入较快增长。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>新华保险银保渠道<strong style='box-sizing: border-box;'>在期缴及趸缴业务的共同拉动下</strong>，一季度实现长期险首年保费130.36亿元，同比增长693.9%。 </section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>值得一提的是，各公司为应对疫情挑战，积极采取线上展业和增员等措施，以缓解线下展业不利冲击，也为疫情后业务发展积蓄新动能。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section></section><section style='box-sizing: border-box;margin-left: 8px;margin-right: 8px;'><section style='align-items: center;display: flex;margin-top: 15px;margin-bottom: 15px;box-sizing: border-box;'><section style='display: inline-block;vertical-align: bottom;width: auto;flex: 1 0 1px;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='display: inline-block;vertical-align: bottom;width: auto;flex: 0 1 auto;padding-right: 10px;padding-left: 10px;box-sizing: border-box;'><section style='transform: translate3d(-2px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='letter-spacing: 2px;color: rgb(255, 255, 255);text-shadow: rgb(51, 51, 51) 1px 1px 0px, rgb(51, 51, 51) 1px -1px 0px, rgb(51, 51, 51) -1px 1px 0px, rgb(51, 51, 51) -1px -1px 0px, rgb(51, 51, 51) 0px 1.4px 0px, rgb(51, 51, 51) 0px -1.4px 0px, rgb(51, 51, 51) -1.4px 0px 0px, rgb(51, 51, 51) 1.4px 0px 0px, rgb(255, 222, 23) 2px 2px 0px, rgb(255, 222, 23) 3px 3px 0px, rgb(255, 222, 23) 3px 1px 0px, rgb(255, 222, 23) 1px 3px 0px, rgb(255, 222, 23) 1px 1px 0px, rgb(255, 222, 23) 2px 3.4px 0px, rgb(255, 222, 23) 2px 0.6px 0px, rgb(255, 222, 23) 0.6px 2px 0px, rgb(255, 222, 23) 3.4px 2px 0px;line-height: 1;box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>01</strong></p></section></section></section><section style='display: inline-block;vertical-align: bottom;width: auto;flex: 1 0 1px;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='line-height: 2.3;letter-spacing: 2px;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><strong style='box-sizing: border-box;'><span style='font-size: 17px;color: rgb(55, 111, 188);box-sizing: border-box;'>中国人寿</span></strong>借助国寿大健康、中国人寿寿险APP等线上平台，推出7×24小时“空中客服”，为客户提供<strong style='box-sizing: border-box;'>快捷理赔、线上投保、电子保单</strong>等多项服务。<br style='box-sizing: border-box;'></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>此外，积极开展<strong style='box-sizing: border-box;'>线上增员和队伍经营</strong>，搭建各类直播分享平台，强化在线训练和会议运作。 </section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section></section><section style='box-sizing: border-box;margin-left: 8px;margin-right: 8px;'><section style='align-items: center;display: flex;margin-top: 15px;margin-bottom: 15px;box-sizing: border-box;'><section style='display: inline-block;vertical-align: bottom;width: auto;flex: 1 0 1px;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='display: inline-block;vertical-align: bottom;width: auto;flex: 0 1 auto;padding-right: 10px;padding-left: 10px;box-sizing: border-box;'><section style='transform: translate3d(-2px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='letter-spacing: 2px;color: rgb(255, 255, 255);text-shadow: rgb(51, 51, 51) 1px 1px 0px, rgb(51, 51, 51) 1px -1px 0px, rgb(51, 51, 51) -1px 1px 0px, rgb(51, 51, 51) -1px -1px 0px, rgb(51, 51, 51) 0px 1.4px 0px, rgb(51, 51, 51) 0px -1.4px 0px, rgb(51, 51, 51) -1.4px 0px 0px, rgb(51, 51, 51) 1.4px 0px 0px, rgb(255, 222, 23) 2px 2px 0px, rgb(255, 222, 23) 3px 3px 0px, rgb(255, 222, 23) 3px 1px 0px, rgb(255, 222, 23) 1px 3px 0px, rgb(255, 222, 23) 1px 1px 0px, rgb(255, 222, 23) 2px 3.4px 0px, rgb(255, 222, 23) 2px 0.6px 0px, rgb(255, 222, 23) 0.6px 2px 0px, rgb(255, 222, 23) 3.4px 2px 0px;line-height: 1;box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>02</strong></p></section></section></section><section style='display: inline-block;vertical-align: bottom;width: auto;flex: 1 0 1px;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='line-height: 2.3;letter-spacing: 2px;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><strong style='box-sizing: border-box;'><span style='font-size: 17px;color: rgb(55, 111, 188);box-sizing: border-box;'>平安人寿</span></strong>创新线上增员模式，开展“陆创•赢在平安”等线上增员活动；同时优化线上入司流程，<strong style='box-sizing: border-box;'>持续招募高质量队伍</strong>。<br style='box-sizing: border-box;'></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>在代理人培训方面，平安人寿借助“口袋E”APP等线上平台，<strong style='box-sizing: border-box;'>深化远程培训模式</strong>，进一步提升代理人专业能力。 </section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section></section><section style='box-sizing: border-box;margin-left: 8px;margin-right: 8px;'><section style='align-items: center;display: flex;margin-top: 15px;margin-bottom: 15px;box-sizing: border-box;'><section style='display: inline-block;vertical-align: bottom;width: auto;flex: 1 0 1px;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='display: inline-block;vertical-align: bottom;width: auto;flex: 0 1 auto;padding-right: 10px;padding-left: 10px;box-sizing: border-box;'><section style='transform: translate3d(-2px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='letter-spacing: 2px;color: rgb(255, 255, 255);text-shadow: rgb(51, 51, 51) 1px 1px 0px, rgb(51, 51, 51) 1px -1px 0px, rgb(51, 51, 51) -1px 1px 0px, rgb(51, 51, 51) -1px -1px 0px, rgb(51, 51, 51) 0px 1.4px 0px, rgb(51, 51, 51) 0px -1.4px 0px, rgb(51, 51, 51) -1.4px 0px 0px, rgb(51, 51, 51) 1.4px 0px 0px, rgb(255, 222, 23) 2px 2px 0px, rgb(255, 222, 23) 3px 3px 0px, rgb(255, 222, 23) 3px 1px 0px, rgb(255, 222, 23) 1px 3px 0px, rgb(255, 222, 23) 1px 1px 0px, rgb(255, 222, 23) 2px 3.4px 0px, rgb(255, 222, 23) 2px 0.6px 0px, rgb(255, 222, 23) 0.6px 2px 0px, rgb(255, 222, 23) 3.4px 2px 0px;line-height: 1;box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>03</strong></p></section></section></section><section style='display: inline-block;vertical-align: bottom;width: auto;flex: 1 0 1px;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='line-height: 2.3;letter-spacing: 2px;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><strong style='box-sizing: border-box;'><span style='color: rgb(55, 111, 188);font-size: 17px;box-sizing: border-box;'>太保寿险</span></strong>基于线上平台开展<strong style='box-sizing: border-box;'>营销员线上考勤、培训、获客、展业</strong>等系列动作，推动营销队伍在线销售、在线增募和在线管理。<br style='box-sizing: border-box;'></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><strong style='box-sizing: border-box;'>升级线上智慧服务提升客户体验</strong>，在确保营运服务全流程顺畅运行的基础上，持续加强线上服务引导，提升服务便捷性和可得性。 </section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>华泰证券认为，虽然疫情对一季度业务有一定影响，但随着线上化运营的稳步开展，核保核赔体系不断成熟完善，且随着各地复工复产的稳步推进，<strong style='box-sizing: border-box;'>新客户开发也将逐步回归常态，预计代理人线下展业在二季度将逐步恢复。</strong></section></section><section style='line-height: 3;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section></section><section style='margin: 0.5em 8px;text-align: center;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: 0px;margin-top: 0.4em;border-left: 0.8em solid rgb(95, 156, 239);border-top: 0.8em solid rgb(95, 156, 239);box-sizing: border-box;line-height: 0;border-right: 0.8em solid transparent !important;border-bottom: 0.8em solid transparent !important;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section><section style='display: inline-block;vertical-align: top;box-sizing: border-box;max-width: 80% !important;'><section style='margin: 10px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;letter-spacing: 1px;box-sizing: border-box;'><p style='text-align: center; box-sizing: border-box;'><strong style='box-sizing: border-box;'><span style='font-size: 17px;box-sizing: border-box;'>非车险业务持续提速</span></strong></p></section></section></section><section style='display: inline-block;vertical-align: bottom;width: 0px;margin-bottom: 0.3em;border-right: 0.8em solid rgb(95, 156, 239);border-bottom: 0.8em solid rgb(95, 156, 239);box-sizing: border-box;line-height: 0;border-left: 0.8em solid transparent !important;border-top: 0.8em solid transparent !important;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section></section><section style='line-height: 2.3;letter-spacing: 2px;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><strong style='box-sizing: border-box;'>从产险业务来看，各公司保费均保持正增长。</strong>一季报显示，人保财险、平安产险、太保产险的保费增速分别为1.7%、4.9%和10.1%。</section></section><section style='text-align: center;margin: 15px 8px;box-sizing: border-box;'><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;'></span></section></section><section style='line-height: 2.3;letter-spacing: 2px;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>此前，中国银保监会公布的财产险公司保费增速为4.17%。 <br style='box-sizing: border-box;'></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>事实上，产险业务的增长离不开<strong style='box-sizing: border-box;'>非车险业务的持续提速</strong>。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>受疫情影响，新车销量大幅下降，<strong style='box-sizing: border-box;'>车险业务短期内受到冲击。</strong></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>一季度，人保财险车险业务收入同比减少3.5%，农险、意健险业务收入同比增速均在10%以上。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>平安产险车险业务收入同比减少2.2%，非车险业务同比增长20.9%，意健险业务同比增长19.6%。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>太保产险车险业务同比减少0.5%，非车险业务同比增长32.5%。 </section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>此外，已公布数据的<strong style='box-sizing: border-box;'>人保财险和平安产险的综合成本率均有所下降</strong>。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>一季度人保财险综合成本率为97.1%，同比下降1.2个百分点；平安产险综合成本率96.5%，同比下降0.5个百分点。 </section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>国君非银认为，受疫情影响较为严重的车险预计在3月触底回升。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>根据中国汽车流通协会汽车市场研究分会数据披露，2020年3月国内乘用车零售销量同比下降40.4%，相较2月的-78.7%同比降幅大幅提升38个百分点，车险保费增速因而实现边际改善。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>后续车险受到的疫情负面影响有望淡化，同时非车险和意健险仍将持续成为产险主要的保费增长点。 </section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section></section><section style='text-align: right;line-height: 2;letter-spacing: 2px;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box;margin-left: 8px;margin-right: 8px;'>记者 朱艳霞</section><section style='box-sizing: border-box;margin-left: 8px;margin-right: 8px;'>制图 李月敏 王梦萦</section><section style='box-sizing: border-box;margin-left: 8px;margin-right: 8px;'>实习编辑 王梦萦</section></section></section><section style='margin-left: 8px;margin-right: 8px;'><span class="wxart_image" wx-style='display:inline-block;'></span></section><br>转载声明：本文转载自「中国银行保险报」，搜索「cbin-news」即可关注，[<a target="_blank" href="https://mp.weixin.qq.com/s/lv9kcozJ3ZA9SGgIrakOlg">阅读原文</a>]。</div><p></p>
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