每經(jing)編輯｜每經(jing)記者 黃俊玲(ling) 發自北京     

每經記者 黃俊玲 發自北京

昨(zuo)日（7月(yue)16日），中國(guo)人壽、新華保(bao)(bao)(bao)險以及(ji)H股上(shang)(shang)市的(de)(de)中國(guo)人保(bao)(bao)(bao)集團都(dou)公布了今(jin)年(nian)上(shang)(shang)半(ban)(ban)年(nian)的(de)(de)原保(bao)(bao)(bao)險保(bao)(bao)(bao)費(fei)收入數據，加上(shang)(shang)此前(qian)已(yi)公布上(shang)(shang)半(ban)(ban)年(nian)保(bao)(bao)(bao)費(fei)收入的(de)(de)中國(guo)平安、中國(guo)太(tai)保(bao)(bao)(bao)、中國(guo)太(tai)平，至此，國(guo)內(nei)六大上(shang)(shang)市險企(qi)上(shang)(shang)半(ban)(ban)年(nian)保(bao)(bao)(bao)費(fei)“成(cheng)績(ji)單”已(yi)全部亮相。

《每(mei)日經(jing)濟新(xin)聞》記者統計(ji)發現，今年(nian)上(shang)半年(nian)，六家上(shang)市險企中，僅中國人壽的(de)原保險保費出現了同比負增長。

此外(wai)，《每日經(jing)濟新聞》記者昨日獲得的一(yi)份銀(yin)保同業交流數據顯(xian)示，今年(nian)上半年(nian)，銀(yin)保市場新單規模保費為3892.71億(yi)元，同比增(zeng)長49.3%。

險(xian)企人(ren)士透露，部分保險(xian)公司銀保渠(qu)道保費表現(xian)較好(hao)，主(zhu)要(yao)是因(yin)為銷售了(le)一些短期的、高(gao)現(xian)金價值的產品，而保障(zhang)型(xing)產品在銀保渠(qu)道依(yi)然不好(hao)賣。

多數上市(shi)險(xian)企壽險(xian)原保(bao)費上漲/

昨日，中國人壽公(gong)布了今(jin)年上半年的保費收入。據了解，該(gai)公(gong)司今(jin)年上半年的原保險保費收入為(wei)1969億元(yuan)，而去(qu)年同期為(wei)2026億元(yuan)，同比下滑了2.8%。

昨(zuo)日(ri)，同時(shi)公(gong)布上半年(nian)保費數據(ju)的還有中國(guo)人保集團和新華保險。其中，新華保險今年(nian)上半年(nian)實現保費收入666.68億元(yuan)，同比(bi)增長29.84%。

而此前中國平(ping)安、中國太保及(ji)中國太平(ping)均已公布了上半年的保費(fei)收(shou)入(ru)情況。

據了(le)解(jie)，今(jin)年(nian)上半年(nian)，中(zhong)國(guo)平(ping)安旗(qi)下(xia)的平(ping)安人(ren)(ren)壽實現(xian)(xian)保(bao)費收入(ru)(ru)(ru)1053.13億(yi)元，同比上漲21.83%；中(zhong)國(guo)太(tai)保(bao)旗(qi)下(xia)的太(tai)保(bao)壽險今(jin)年(nian)上半年(nian)現(xian)(xian)實現(xian)(xian)保(bao)費收入(ru)(ru)(ru)602.05億(yi)元，同比增長了(le)6.9%；中(zhong)國(guo)太(tai)平(ping)旗(qi)下(xia)的太(tai)平(ping)人(ren)(ren)壽今(jin)年(nian)上半年(nian)實現(xian)(xian)保(bao)費收入(ru)(ru)(ru)401.35億(yi)元，同比增長了(le)23.93%。

記者統計發(fa)現(xian)，6家(jia)公司中，保費增(zeng)長最猛的是人保壽險(xian)，同(tong)比增(zeng)幅達53.77%，而中國人壽也成(cheng)為六家(jia)上市險(xian)企中唯(wei)一(yi)出現(xian)保費負增(zeng)長的公司。

上半年(nian)銀(yin)保(bao)期繳同比(bi)增幅超10%/

六大上市險企上半(ban)年(nian)的保(bao)費表現可謂不錯，那么(me)作為其(qi)主打的銀保(bao)渠(qu)道(dao)情況又如何呢？

《每日經濟(ji)新聞》記者獲得的一份銀保(bao)同(tong)(tong)業(ye)交流數據顯示，此次(ci)參與同(tong)(tong)業(ye)交流的42家壽(shou)險公(gong)司，今年(nian)上(shang)半年(nian)銀保(bao)市場新單規模保(bao)費收(shou)入(ru)為3892.71億(yi)元，同(tong)(tong)比增長了(le)49.3%；在銀保(bao)市場期(qi)繳(jiao)保(bao)費收(shou)入(ru)214.43億(yi)元，同(tong)(tong)比增長了(le)10.1%。

雖然(ran)今年上半年大多數保(bao)險公(gong)司都實現同比正增(zeng)(zeng)長，但從單月(yue)環(huan)比來看，6月(yue)和5月(yue)相比來，不少保(bao)險公(gong)司依然(ran)是負(fu)增(zeng)(zeng)長。在銀(yin)保(bao)市(shi)場新單規模(mo)保(bao)費方面(mian)，此(ci)次參與同業交流的(de)42家險企中，有22家出現了環(huan)比負(fu)增(zeng)(zeng)長。

在銀保(bao)市場期繳(jiao)業(ye)務方面，參與此次同業(ye)交流的42家壽(shou)險(xian)公司(si)，排名第一的是中國人(ren)壽(shou)，達到58.4億(yi)元。

某險(xian)企的(de)楊先(xian)生對 《每日經(jing)濟新聞(wen)》記者表示(shi)，不少保(bao)(bao)(bao)(bao)險(xian)公司(si)在銀(yin)保(bao)(bao)(bao)(bao)渠道保(bao)(bao)(bao)(bao)費(fei)表現較(jiao)好(hao)，主要是因為(wei)其銷(xiao)售(shou)了(le)一些(xie)短(duan)期的(de)高現金價(jia)值產品(pin)，而像那(nei)些(xie)交費(fei)期限10年、20年的(de)保(bao)(bao)(bao)(bao)障類產品(pin)還(huan)是很難銷(xiao)售(shou)。特別是，6月面臨年中考核壓(ya)力，不少保(bao)(bao)(bao)(bao)險(xian)公司(si)推出了(le)一些(xie)短(duan)期產品(pin)高現價(jia)產品(pin)來沖一下保(bao)(bao)(bao)(bao)費(fei)規模，而7月以來，這些(xie)保(bao)(bao)(bao)(bao)險(xian)公司(si)又提出轉型(xing)，銷(xiao)售(shou)保(bao)(bao)(bao)(bao)障型(xing)長(chang)期保(bao)(bao)(bao)(bao)險(xian)產品(pin)，結果是產品(pin)賣不動，還(huan)出現了(le)銀(yin)保(bao)(bao)(bao)(bao)銷(xiao)售(shou)人員(yuan)比較(jiao)嚴重的(de)離職(zhi)或跳槽現象。

今年1月(yue)，銀(yin)監會和(he)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)監會曾聯合下發通知(zhi)，規定(ding)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司(si)、商業(ye)銀(yin)行應加(jia)大力度發展風險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)障型(xing)和(he)長期(qi)儲蓄型(xing)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)產品。各商業(ye)銀(yin)行代理銷售意外傷害保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、健(jian)康保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、定(ding)期(qi)壽險(xian)(xian)(xian)(xian)、終身壽險(xian)(xian)(xian)(xian)、保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)期(qi)間(jian)不短(duan)于(yu)10年的年金(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)期(qi)間(jian)不短(duan)于(yu)10年的兩全保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、財(cai)產保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(不包括(kuo)財(cai)產保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司(si)投資型(xing)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian))、保(bao)(bao)(bao)(bao)(bao)(bao)(bao)證保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、信用保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的保(bao)(bao)(bao)(bao)(bao)(bao)(bao)費收入之(zhi)和(he)不得低于(yu)代理保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)業(ye)務(wu)總保(bao)(bao)(bao)(bao)(bao)(bao)(bao)費收入的20%。

楊先生(sheng)坦言，目前銀保市場并沒有回(hui)暖，所謂高增長的(de)保費都是靠一些短(duan)期產品支撐起來的(de)，保險公司的(de)保障(zhang)型產品依然面(mian)臨(lin)銷售壓力。