發(fa)布日期：2021-10-20

    10月14日(ri)至(zhi)15日(ri)，保(bao)(bao)(bao)(bao)險(xian)保(bao)(bao)(bao)(bao)障(zhang)基金公(gong)司(si)于(yu)線上召開保(bao)(bao)(bao)(bao)險(xian)行業(ye)風(feng)險(xian)評估專家(jia)委員會第(di)二十三(san)次會議，會議分(fen)為(wei)財產(chan)險(xian)、人身險(xian)、資金運用三(san)個專場，來自(zi)保(bao)(bao)(bao)(bao)險(xian)公(gong)司(si)、保(bao)(bao)(bao)(bao)險(xian)資管(guan)公(gong)司(si)、證券公(gong)司(si)和研究機構的40多名專家(jia)學者(zhe)共同探討了2021年前三(san)季度(du)保(bao)(bao)(bao)(bao)險(xian)行業(ye)的形勢與風(feng)險(xian)。

    財產險(xian)方面，保費(fei)收入同比增長，險(xian)種(zhong)(zhong)結構更加均衡(heng)，凈(jing)利(li)潤主要來源于投資收益，行業(ye)整(zheng)體資本(ben)充足(zu)。車險(xian)市場(chang)賠付率(lv)上升費(fei)用率(lv)下(xia)降，中小(xiao)險(xian)企經(jing)營難度較(jiao)大。非車險(xian)多險(xian)種(zhong)(zhong)費(fei)率(lv)走低，風險(xian)有所聚(ju)集，再保險(xian)市場(chang)持續“走硬”。部(bu)分公司缺(que)乏清晰的(de)發展戰(zhan)略，為滿足(zu)盈利(li)目(mu)標(biao)釋放準(zhun)(zhun)備(bei)金，存在準(zhun)(zhun)備(bei)金不足(zu)、定(ding)價不足(zu)等風險(xian)。洪澇災害等巨災風險(xian)對保險(xian)業(ye)影響加大。

    人身(shen)(shen)險(xian)(xian)方面，業務規模同(tong)比(bi)增(zeng)(zeng)長，6月起增(zeng)(zeng)速逐步提(ti)升(sheng)，行(xing)業流動性總體保持平(ping)穩。二季度(du)末(mo)，償付能力充足率保持在合(he)理(li)區(qu)間高位運行(xing)。人身(shen)(shen)險(xian)(xian)行(xing)業新(xin)(xin)單保費增(zeng)(zeng)速雖然有所修(xiu)復，但(dan)增(zeng)(zeng)長仍(reng)不(bu)及預(yu)(yu)期。受營銷員流失等因素(su)影響，個人代理(li)渠道(dao)持續(xu)承壓(ya)。新(xin)(xin)款重疾(ji)險(xian)(xian)產(chan)品(pin)銷售情況不(bu)及預(yu)(yu)期，賠付持續(xu)走(zou)高。人身(shen)(shen)險(xian)(xian)產(chan)品(pin)供需矛盾尚(shang)存(cun)。

    資(zi)(zi)(zi)金(jin)運用(yong)方面(mian)，面(mian)對錯綜復雜的外部環(huan)境，保險(xian)(xian)資(zi)(zi)(zi)金(jin)運用(yong)規模實(shi)現平穩增長，資(zi)(zi)(zi)產配置結構基(ji)本穩定(ding)，投(tou)資(zi)(zi)(zi)收(shou)益(yi)率(lv)同比下降。信用(yong)風險(xian)(xian)形勢(shi)嚴(yan)峻，權益(yi)市場波動增加，固定(ding)收(shou)益(yi)類投(tou)資(zi)(zi)(zi)和權益(yi)投(tou)資(zi)(zi)(zi)的集(ji)中度風險(xian)(xian)需要關注(zhu)(zhu)，投(tou)資(zi)(zi)(zi)風險(xian)(xian)管(guan)理(li)的現實(shi)意義加大。中長期利率(lv)呈下降趨勢(shi)，利差損(sun)風險(xian)(xian)和再(zai)投(tou)資(zi)(zi)(zi)風險(xian)(xian)需要關注(zhu)(zhu)。