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惠譽:內地保險公司將重拾增長
評級機構惠譽表示,內地重新開放、經濟逐步復甦以及消費者信心回暖將推動保險公司今年保持增長勢頭。首季壽險行業和非壽險行業的保費分別按年增長8.9%和10.8%。 惠譽認為,今年壽險業新業務價值將在去年的低基數上有所增長,且各保險公司將致力於提高其銀保業務利潤率,因為核心代理人數量尚未企穩。而季內大多數主要非壽險公司的承保利潤亦依然良好。 考慮到全球金融市場不穩定,惠譽預期,許多保險公司對承擔投資風險仍將保持審慎。繼去年內生資本增長減弱後,資本金較弱的小型壽險公司和非壽險公司或增加資本以支撐其中國風險導向償付能力體系二期工程下的償付能力。去年第四季底,壽險行業的綜合償付能力充足率下滑至186%,而非壽險行業的該指標仍保持在238%的強勁水平,均遠高於100%的最低監管要求。 惠譽預計,IFRS17會計準則的實施不會顯著改變主要非壽險公司的財務業績。自今年起,中資上市保險公司均須采用IFRS17準則。不過,銷售策略激進且專注於低利潤或虧損躉繳銀保業務的壽險公司的利潤或下跌。
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