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惠譽:武漢肺炎疫情致理賠增加及保費增速放緩 影響盈利能力
阿思達克 02-06 10:39

評級機構惠譽預計,最近爆發的新型冠狀病毒感染疫情將在短期內令中國保險公司的盈利能力承受一定壓力,惟認為盈利壓力可控。報告指,疫情短期內將抑制壽險和非壽險公司的業務及保費增長,交通及經濟活動減少將導致新保單銷售量下降,在人們減少互動來最大程度降低感染機率的情況下,代理渠道將尤其受到影響。

惠譽預計,眾多製造工廠和店舖歇業,將導致非壽險公司的營業中斷。全城隔離、停飛來往中國的國際航班等限制性防疫措施所導致的出遊人數減少,將令旅遊保險理賠大幅增加,並令該業務的保費驟減。由於理賠增多、保費增速放緩及低利率導致的投資收益率下降,短期內中國壽險公司的盈利將走弱。

不過報告亦指出,長遠來看,公眾對健康保險重要性的意識將會大幅提高,將促進保險公司持續轉向利潤率更高的健康保險業務。惠譽表示,一直關注事態的發展,以評估是次疫情可能對受評中國壽險和非壽險公司信用狀況產生的影響。

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