保险经营数据分析
国内市场分析
一、总体分析
(一)业务占比
表1-12011年我国保费收入情况
业务类型1、财产险2、人身险(1)寿险(2)健康险(3)人身意外伤害险
合计
保费(亿)4617.829721.438695.59691.72334.1214339.25占比32.20%67.80%60.64%4.82%2.33%100.00%
图1-12011年我国保费收入结构
(二)业务结构发展
表1-22011年我国保险业增长情况
业务类型总保费收入财产险寿险健康险意外险
保费收入(亿)14339.254617.8238695.591691.7213334.1154
增额-188.72722.1807-983.91814.2554358.76163
增幅-0.010.19-0.10.020.21
图1-2我国保险业保费增长情况
(三)业务规模分析
表1-32006年至2011年我国保险业市场规模
年份
保费收入(亿)
人口(万)
[***********]133474
GDP(亿)
216314.4265810.3314045.4340902.8401202
保险深度(%)保险密度
20062007
[***********]41.4447035.769784.09711137.314527.9714339.25
137053
471564
2.612.653.123.273.623.04429.1769532.4917736.7432834.41711060.0261070.32
图1-32006年至2011年我国保险业市场规模
二、各保险公司业务规模分析
表2-12011年我国财产保险公司保费收入情况
公司名称中外合计中资小计外资小计人保股份平安财太保财中华联合国寿财产都邦美亚
利宝互助太阳联合现代财产中煤财产富邦财险劳合社(新)
保费(亿)4779.064726.9552.111733.72833.33615.91209.55163.9633.5610.545.171.460.980.820.490.00
保费占比98.74%98.91%1.08%36.27%17.43%12.88%4.38%3.43%0.70%0.22%0.11%0.03%0.02%0.02%0.01%0.00%0.00%
[***********]25859
17121314
排名
外资排名
增额(亿)排名752.17742.889.28194.42212.17100.6216.1851.30-2.200.331.36-0.16-0.130.820.480.00
(最低)0.002121(最低)
2137443
[1**********]253
增幅(%)18.6818.6521.6712.6334.1619.538.3745.543.2635.63-10.02-11.92512666.303817.02#DIV/0!#DIV/0!
[***********]
53(最低)53(最低)12排名
59(最低)-6.14
长江财产(新)0.00
图2-12011年我国财产保险公司保费收入情况
图2-22011年我国前几大财产保险公司市场份额占比情况
图2-32011年我国前几大外资产险保险公司市场份额占比情况
表2-22011年我国寿险公司保费收入情况
公司名称国寿股份平安寿新华太保寿人保寿险泰康太平人寿生命人寿阳光人寿国寿存续合众人寿民生人寿友邦中邮人寿华夏人寿幸福人寿平安养老人保健康光大永明(新)
中意中英人寿信诚中美联泰嘉禾人寿长城国华华泰人寿中宏人寿信泰招商信诺百年人寿金盛中荷人寿建信人寿(新)
海康人寿恒安标准中德安联(新)天安人寿(新)
英大人寿太平养老利安人寿(新)
国泰人寿海尔人寿交银康联正德人寿中航三星
2011年保费(亿)3182.531189.67947.97932.03703.61679.37314.58233.65159.54139.5499.8297.6681.8780.2351.6450.4649.9545.8435.8535.8435.4234.3131.7531.6331.4931.3930.4323.1422.4819.2719.0216.0014.8112.8111.7410.2710.057.366.595.325.014.974.724.663.613.24
2010年保费3330.401590.64936.43920.00824.26867.65330.25153.18151.69145.4177.2281.2984.7020.3036.3660.8951.842.000.0061.4649.2554.146.1945.2025.1539.962.2220.0721.4532.3610.2111.7813.010.0017.2015.100.000.0032.050.220.0060.644.687.1351.323.42
[***********]6723451外资排名
保费排名[***********][***********][***********][***********][1**********]
占比33.29%12.44%9.91%9.75%7.34%7.10%3.29%2.44%1.66%1.46%1.04%1.02%0.85%0.84%0.54%0.53%0.52%0.48%0.37%0.37%0.37%0.36%0.33%0.33%0.33%0.33%0.32%0.24%0.23%0.20%0.20%0.17%0.15%0.13%0.12%0.11%0.10%0.08%0.07%0.06%0.05%0.05%0.05%0.05%0.04%0.03%
增额-147.87-400.9611.5412.03-120.64-188.27-15.6780.477.85-5.8722.6016.36-2.8459.9415.28-10.43-1.8943.8535.85-25.62-13.84-19.8325.56-13.586.34-8.5628.203.071.04-13.098.814.221.8012.81-5.45-4.8410.057.36-25.465.105.01-55.670.04-2.47-47.71-0.18
[***********][***********][***********][**************]排名[1**********]748
增幅-4.44%-25.21%1.23%1.31%-14.64%-21.70%-4.74%52.53%5.18%-4.04%29.27%20.13%-3.35%295.32%42.04%-17.13%-3.64%2194.97%#DIV/0!-41.69%-28.10%-36.63%413.25%-30.03%25.20%-21.43%1268.13%15.30%4.83%-40.45%86.28%35.83%13.83%#DIV/0!-31.72%-32.02%#DIV/0!#DIV/0!-79.45%2300.71%#DIV/0!-91.81%0.84%-34.67%-92.96%-5.31%
[***********][***********]381217排名[***********][**************]3
汇丰人寿中新大东方长生人寿新光海航君龙人寿平安健康中融人寿安邦人寿昆仑健康中法人寿瑞泰人寿和谐健康中资小计外资小计合计
2.972.752.581.811.401.311.081.040.830.660.420.029173.65386.369560.00
1.595.102.701.171.4216.579.360.011.7625.4013.520.039909.41591.4710500.88
[1**********]3
[***********]
0.03%0.03%0.03%0.02%0.01%0.01%0.01%0.01%0.01%0.01%0.00%0.00%95.35%4.02%99.35%
1.39-2.35-0.120.64-0.02-15.26-8.281.03-0.94-24.74-13.10-0.01-735.77-205.11-940.88
[***********]504428
87.59%-46.11%-4.58%55.01%-1.51%-92.07%-88.50%10017.81%-53.11%-97.42%-96.90%-39.51%-7.42%-34.68%-8.96%
[***********]242
2425
565758
图2-42011年我国寿险公司市场份额占比情况
图2-5我国外资寿险公司市场份额占比
三、各地区保费收入情况分析
表3-1各省总保费收入情况
地区全国合计广东江苏山东河南北京四川上海河北浙江湖北湖南安徽辽宁山西深圳福建陕西黑龙江
总保费(亿)14339.251219.061200.02890.31839.82820.91778.70753.11732.89730.67501.82443.53432.30376.26364.67359.90350.38343.72317.79占比100.00%8.50%8.37%6.21%5.86%5.72%5.43%5.25%5.11%5.10%3.50%3.09%3.01%2.62%2.54%2.51%2.44%2.40%2.22%2.17%1.76%1.68%1.60%1.56%1.48%1.48%1.42%0.98%0.92%0.39%0.37%0.19%0.05%0.38%
[***********]415161718
增额-188.72-12.7037.3514.0946.54-145.5412.93-130.75-13.5240.331.495.00-5.95-77.55-0.63-1.594.319.91-25.44
[***********][1**********]9
增幅-1.30%-1.03%3.21%1.61%5.87%-15.06%1.69%-14.79%-1.81%5.84%0.30%1.14%-1.36%-17.09%-0.17%-0.44%1.25%2.97%-7.41%
[***********]1724321921
162.00%122.77%292.54%
保险深度3.04%2.31%2.50%1.98%3.11%5.13%3.70%3.92%3.02%2.30%2.56%2.26%2.86%1.71%3.32%
[***********]294
保险密度1070.321168.801525.58929.44893.244186.19968.293271.531020.031342.40876.69675.29726.55860.021021.19
[***********]198111520
24949.8011920.7615829.51
重庆江西云南内蒙古吉林广西天津新疆甘肃贵州宁夏海南青海西藏公司本级
311.81
252.23241.10229.78223.36212.65211.74203.62140.93131.8155.3453.7527.897.6054.59
19
[***********]29303132
-9.26
-1.025.4214.24-15.8921.72-2.2612.69-5.419.182.595.802.202.5411.78
25
[***********]11716
-2.89%
-0.40%2.30%6.61%-6.64%11.38%-1.06%6.65%-3.70%7.49%4.91%12.10%8.55%50.21%27.52%
26
[***********]1
3.11%
2.18%2.76%1.64%2.15%1.82%1.89%3.09%2.81%2.35%2.69%2.14%1.72%1.26%
5
[***********]3232831
1080.81
565.93524.48929.90813.39461.991636.35933.59550.93379.31878.36619.93495.43253.28
7
[***********]7242831
表3-2各省产险保费收入情况
地区全国合计江苏广东浙江山东上海北京四川河北河南安徽辽宁湖南内蒙古福建湖北山西云南陕西江西黑龙江
财产保险(亿)4617.82379.93367.74310.32276.28233.39232.56225.09222.92163.33142.82134.61123.18116.69116.36114.71113.28109.17101.5185.1384.49占比100.00%8.23%7.96%6.72%5.98%5.05%5.04%4.87%4.83%3.54%3.09%2.91%2.67%2.53%2.52%2.48%2.45%2.36%2.20%1.84%1.83%
排名[***********][1**********]20增额(亿)722.1868.0258.6850.8534.7144.1720.2633.5430.0128.6123.2016.0322.4820.4216.4716.5020.3414.9516.0815.8912.63
排名[***********][1**********]23增幅18.54%21.81%18.99%19.60%14.37%23.35%9.54%17.51%15.56%21.24%19.40%13.52%22.33%21.22%16.49%16.81%21.89%15.86%18.83%22.94%17.58%
排名[***********][***********]1
重庆广西新疆天津吉林贵州甘肃宁夏海南青海西藏公司本级
81.63
79.0678.5175.1069.0059.0346.4921.8821.7813.725.7352.43
1.77%
1.71%1.70%1.63%1.49%1.28%1.01%0.47%0.47%0.30%0.12%1.14%
21
[***********]31
15.67
13.3015.519.978.1212.117.674.383.933.341.6210.85
19
[***********]31
23.75%
20.22%24.62%15.31%13.33%25.82%19.76%25.01%22.03%32.17%39.31%26.10%
6
[**************]
表3-3各省寿险保费收入情况
地区全国合计广东江苏河南山东北京四川上海河北浙江湖北湖南安徽山西陕西辽宁福建黑龙江
人身保险(亿)9721.43851.32820.10676.49614.02588.35553.61519.71509.97420.35387.11320.35289.48251.39242.21241.65234.02233.30占比100.00%8.76%8.44%6.96%6.32%6.05%5.69%5.35%5.25%4.32%3.98%3.30%2.98%2.59%2.49%2.49%2.41%2.40%
排名[***********]4151617增额(亿)-910.90-71.38-30.6717.93-20.62-165.80-20.61-174.93-43.53-10.52-15.01-17.48-29.15-20.97-6.17-93.58-12.16-38.07
排名[***********][1**********]326增幅-8.57%-7.74%-3.61%2.72%-3.25%-21.98%-3.59%-25.18%-7.86%-2.44%-3.73%-5.17%-9.15%-7.70%-2.48%-27.92%-4.94%-14.03%
排名[***********][1**********]
重庆江西吉林天津广西云南新疆内蒙古甘肃贵州宁夏海南青海西藏公司本级
230.19
167.10154.36136.64133.59131.93125.11113.0994.4372.7833.4631.9714.171.872.16
2.37%
1.72%1.59%1.41%1.37%1.36%1.29%1.16%0.97%0.75%0.34%0.33%0.15%0.02%0.02%
18
[***********]28293031
-24.93
-16.91-24.01-12.238.42-9.53-2.82-6.18-13.08-2.93-1.791.87-1.140.920.93
23
[***********]4
-9.77%
-9.19%-13.46%-8.22%6.73%-6.73%-2.20%-5.18%-12.17%-3.87%-5.07%6.21%-7.46%97.56%75.56%
25
[***********]3181
重庆市场分析
一、各项指标分析
表1-1重庆市保险业各项指标情况
业务总体
产险
人身险
具体项目保费占比增额增幅密度深度保费占比增额增幅密度深度保费占比增额增幅密度深度值
311.812.17-9.26-2.891080.813.1181.631.7715.6723.75282.940.82230.192.37-24.93-9.77979.872.30单位亿%亿%
元/人%亿%亿%
元/人%亿%亿%
元/人%排名[***********][1**********]65
二、业务结构分析
表1-2重庆市保险业务结构情况
重庆保费占比
合计311.81100.00%
财产保险81.6326.18%
人身保险230.1973.82%
寿险206.1966.13%
意外险10.303.30%
健康险13.704.39%
图1-2重庆市保险业务结构情况
国际市场分析
一、全球市场
(一)业务结构分析
表1-1全球保险市场业务结构
业务类型寿险非寿险总保费保费收入(亿)[**************]占比57.30%42.70%1增幅-2%-0.1%-1.1%
图1-1全球保险市场业务结构
(二). 区域分析
表1-2各区域保费收入情况
区域全球欧洲北美亚洲其他2009年保费收入4066016101.3612401.39880.382276.96
保费增幅-1.10%
2.30%
2009年占比
139.60%30.50%24.30%5.60%占比增加0.00%-1.40%-1.50%0.81%2.09%
图1-2各区域保险市场占比情况
二、亚洲市场
(一)业务构成
表2-1亚洲保险业保费收入情况
业务类型寿险非寿险总保费保费收入(亿)占比
74%7311.48
2568.9026.00%9880.381增幅(2008年)
1.80%(7.9%)5.60%(2.3%)2.80%(放缓)
亚洲市场的保费构成则有些不同,其中寿险保费在保费构成中占较大比重,达到74%。出现这种情况的主要原因是日本市场的影响。日本保险市场的规模占整个亚洲市场的一半以上,而日本保险市场主要以寿险为主,寿险保费占到其总保费的79%。
(二)各国分析
表2-2亚洲各国保险市场份额
国家占比日本53.00%中国大陆17.00%台、港、坡10.20%韩国10.00%印度6.80%其他2.80%
图2-1亚洲各国保险市场份额表2-3亚洲各国保险市场规模
国家保险深度保险密度(美元/人)台湾16.80%2752中国香港11.00%3304韩国10.40%1890
日本9.90%3979(最高)新加坡6.80%
2558
印度
5.2%(4.6%)54.3(最低)中国大陆3.4%(3.3%)121.2印尼1.30%
31.7
亚洲6.1%(6%)243.1(234.3)
(括号内为去年数据)
图2-2亚洲各国保险市场规模
保险资金分析
表1-1保险公司资金运用增长情况
(单位:亿元)
年份[***********]082009
资金运用余额10778.6214092.6917785.4026647.8130552.8337417.12
增额3314.073692.718862.413905.026864.29
增幅30.75%26.20%49.83%14.65%22.50%
图1-1保险公司资金运用增长情况
表1-2保险资金运用组合情况
年
份[1**********]6资金运用余额10778.6214092.6917785.40银行存款5071.105165.555989.11国债2618.443590.653647.01金融债券1026.251804.712754.25企业债券639.731204.552121.56证券投资基金
666.321107.00912.08
[**************]47.8130552.8337417.126503.448087.4910519.683956.564208.264053.824897.848754.068746.102799.764598.466074.562519.411646.462758.78
表1-3
保险资金运用比例情况
年份资金运用余额银行存款国债金融债券企业债券证券投资基金
200410778.6247.05%24.29%9.52%5.94%6.18%
200514092.6936.65%25.48%12.81%8.55%7.86%
200617785.4033.67%20.51%15.49%11.93%5.13%
200726647.8124.41%14.85%18.38%10.51%9.45%
200830552.8326.47%13.77%28.65%15.05%5.39%
200937417.1228.11%10.83%23.37%16.23%7.37%
图1-2保险资金运用比例情况
重庆工商大学融智学院刘红亮
Tel:[1**********]