CCTV News:According to the website of China Banking and Insurance Regulatory Commission, statistics show that from January to April this year, the whole industry realized the original insurance premium income of 1,658.542 billion yuan, down 7.84% year-on-year. Among them, property insurance companies realized premium income of 404.851 billion yuan, a year-on-year increase of 16.13%; Personal insurance companies realized premium income of 1,253.69 billion yuan, down 13.6% year-on-year. The compensation expenditure was 409.337 billion yuan, a year-on-year decrease of 0.06%. The total assets of the insurance industry amounted to 17.34 trillion yuan, an increase of 3.55% over the beginning of the year.
Specifically, the market operation presents the following characteristics:
First, property insurance companies developed steadily and rapidly, and the proportion of non-auto insurance business increased significantly.From January to April, the original insurance premium income of property insurance companies increased by 16.13% year-on-year, and the growth rate increased by 4.26 percentage points. Among them, auto insurance business was 255.702 billion yuan, a year-on-year increase of 6.59%, accounting for 63.16% of the total business of property insurance companies; Non-auto insurance business was 149.149 billion yuan, up 37.17%, accounting for 36.84%, up 5.65 percentage points year-on-year. Among the non-auto insurance businesses, the agricultural insurance business was 18.299 billion yuan, an increase of 36.2%; Liability insurance business was 21.854 billion yuan, an increase of 34.6%; The engineering insurance business was 5.423 billion yuan, up by 27.05%; Freight insurance business was 4.405 billion yuan, an increase of 24.26%. With the rapid growth of agricultural insurance, liability insurance and other businesses, the proportion of non-auto insurance business is rising, the situation of auto insurance monopoly has changed, and the business structure of property insurance companies tends to be balanced.
Second, the personal insurance industry actively transformed, and the business accelerated to return to the source of protection.Since the beginning of this year, life insurance companies have actively adjusted their business structure, greatly reduced the wholesale payment business and the bank-mail channel business, and paid more attention to the development of long-term savings and guaranteed products with more installment payment business and personal agency business. From the new single payment structure, from January to April, the new single payment business accounted for 45.94% of the new single payment business, up 15.12 percentage points year-on-year. From the perspective of business channel structure, personal agency business accounted for 58.93%, up 16.68 percentage points year-on-year. Although the industry transformation has continuously put pressure on business growth, the effect of structural adjustment is gradually emerging. From the monthly data, life insurance business has shown a trend of monthly recovery. From January to April, the year-on-year growth rate of original insurance premium income in life insurance business was -25.98%, -20.96%, 6.12% and 9.88% respectively.
Third, the allocation of funds has become more stable and the investment income has grown steadily.At the end of April, the balance of funds used by insurance companies was 15,401.685 billion yuan, an increase of 3.22% over the beginning of the year. Among them, the balance of fixed income was 7,460.658 billion yuan, accounting for 48.44%, up 0.93 percentage points from the beginning of the year; Stock and securities investment funds were 1,877.341 billion yuan, accounting for 12.19%, down by 0.11 percentage points; Long-term equity investment was 1,587.133 billion yuan, accounting for 10.3%, up 0.41 percentage point. From January to April, the capital utilization income was 239.715 billion yuan, up 6.13% year-on-year, and the capital utilization rate of return was 1.57%, which was basically the same as the same period of last year. Among them, the bond income was 78.903 billion yuan, a year-on-year increase of 25.43%; Stock income was 15.55 billion yuan, down 8.34%; The income from long-term equity investment was 40.147 billion yuan, an increase of 4.19%.
Fourth, innovation continued to be active, and Internet companies maintained a high-speed development momentum.In terms of the number of contracts, in the first quarter, the number of contracts for Internet insurance business totaled 4.096 billion, up 109.16% year-on-year. Among them, the return freight insurance was 2.002 billion pieces, an increase of 73.39%; 282 million liability insurance businesses, an increase of 42.45%; 428 million insurance businesses were guaranteed, an increase of 43.77%; Internet health insurance and accidental injury insurance were 489 million and 460 million respectively, up 41.4 times and 5.8 times year-on-year. From the perspective of Internet insurance companies, the original insurance premium income of the four Internet insurance companies from January to April totaled 4.474 billion yuan, up 85.03% year-on-year, which was 68.9 percentage points higher than the overall growth rate of property insurance companies.
Fifth, actively play the insurance function and continuously improve the ability to serve the economy and society.Since the beginning of this year, based on the national strategy, the insurance industry has actively helped the key areas and weak links of economic and social development, helped the poor, supported innovation, broadened the funding sources of national strategies such as the "Belt and Road", and continuously improved its ability to serve the overall situation of economic and social development. From January to April, the insurance industry provided 2,354.59 trillion yuan in risk protection and more than 10 trillion yuan in financing for the real economy. From the perspective of boosting poverty alleviation, the poverty alleviation business launched by the insurance industry has achieved full coverage of 26 provincial-level administrative regions, and the number of districts and counties that have launched poverty alleviation business has reached 2083, accounting for 79.56% of all districts and counties; There are 796 poverty-stricken counties offering poverty alleviation services, accounting for 96.02% of all poverty-stricken counties. Agricultural insurance provides 1.24 trillion yuan of risk protection for 65,922,200 households; 6.748 billion yuan in compensation was paid, benefiting 7,161,800 poor households and affected farmers. From the perspective of participating in social management, liability insurance provides 229.09 trillion yuan of risk protection for more than ten fields such as environmental protection, medical care, education, transportation, food safety and safe production. From the perspective of service science and technology innovation, science and technology insurance provides risk protection for new technology research and development and high-tech product export of 403.797 billion yuan. From the perspective of providing financial support, the insurance industry directly raised 7.29 trillion yuan for the real economy by investing in bonds, stocks and funds, an increase of 4.15% over the beginning of the year; Support the "Belt and Road" through debt and equity plansThe scale of strategic investment reached 928.645 billion yuan; The strategic investment scale of supporting the coordinated development of the Yangtze River Economic Belt and Beijing-Tianjin-Hebei through the debt plan is 410.608 billion yuan and 165.499 billion yuan respectively. By the end of April, the balance of time deposits in the insurance industry was 1.49 trillion yuan, which is an important source of funds for medium and long-term loans needed for the development of the real economy.
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