主营介绍

  • 产品类型:

    保险、资产管理

  • 产品名称:

    人寿保险 财产保险 资产管理

  • 经营范围:

    控股投资保险企业;监督管理控股投资保险企业的各类国内、国际再保险业务;监督管理控股投资保险企业的资金运用业务;经批准参加国际保险活动。

运营业务数据

最新公告日期:2018-08-17 
业务名称 2018-07-31 2018-06-30 2018-05-31 2018-04-30 2018-03-31
保费收入(元) 2109.21亿 1911.20亿 1610.08亿 1389.75亿 1206.18亿

主营构成分析

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营业收入 X

单位(%) 单位(万元)
注:通常在中报、年报时披露 
业务名称 营业收入(元) 收入比例 营业成本(元) 成本比例 利润比例 毛利率
按行业 人寿保险 2226.52亿 69.62% - - - -
财产保险 960.71亿 30.04% - - - -
其他 223.00亿 6.97% - - - -
抵销 -212.14亿 -6.63% - - - -
按产品 保险业务收入 2816.44亿 26.15% - - - -
保险业务收入:寿险 1757.85亿 16.32% - - - -
保险业务收入:寿险:个险 1700.68亿 15.79% - - - -
保险业务收入:寿险:个险:分红保险 1111.13亿 10.32% - - - -
保险业务收入:产险 1058.59亿 9.83% - - - -
保险业务收入:产险:机动车辆保险 818.38亿 7.60% - - - -
保险业务收入:寿险:个险:寿险 530.31亿 4.92% - - - -
投资收益 519.46亿 4.82% - - - -
保险业务收入:产险:其他保险 108.80亿 1.01% - - - -
保险业务收入:寿险:个险:短期意外与健康保险 58.67亿 0.54% - - - -
保险业务收入:寿险:团险 57.17亿 0.53% - - - -
保险业务收入:寿险:团险:短期意外与健康保险 53.65亿 0.50% - - - -
保险业务收入:产险:企业财产保险 49.40亿 0.46% - - - -
保险业务收入:产险:责任保险 42.59亿 0.40% - - - -
其他业务收入 28.14亿 0.26% - - - -
保险业务收入:产险:意外伤害保险 25.15亿 0.23% - - - -
公允价值变动收益 14.43亿 0.13% - - - -
保险业务收入:产险:工程保险 14.27亿 0.13% - - - -
保险业务收入:寿险:团险:寿险 3.48亿 0.03% - - - -
资产处置收益 1.68亿 0.02% - - - -
保险业务收入:寿险:个险:万能保险 5700.00万 0.0053% - - - -
其他收益 2400.00万 0.0022% - - - -
保险业务收入:寿险:团险:分红保险 400.00万 0.0004% - - - -
汇兑收益 -1.40亿 -0.01% - - - -
按地区 其他地区 626.49亿 35.67% - - - -
河南 184.28亿 10.49% - - - -
江苏 181.78亿 10.35% - - - -
山东 147.48亿 8.40% - - - -
浙江 126.33亿 7.19% - - - -
广东 108.07亿 6.15% - - - -
河北 102.84亿 5.86% - - - -
山西 81.67亿 4.65% - - - -
湖北 74.68亿 4.25% - - - -
黑龙江 68.88亿 3.92% - - - -
新疆 53.78亿 3.06% - - - -

董事会经营评述

  一、经营业绩  截至2017年末,集团客户数达11,553万,较去年末增长1,109万,集团实现营业收入3,198.09亿元,其中保险业务收入2,816.44亿元,同比增长20.4%。集团净利润注1为146.62亿元,同比增长21.6%。集团内含价值2,861.69亿元,较上年末增长16.4%,其中集团有效业务价值注2 1,344.14亿元,较上年末增长32.7%。太保寿险实现一年新业务价值267.23亿元,同比增长40.3%;新业务价值率39.4%,同比提升6.5个百分点。太保产险综合成本率为98.8%,同比优化0.4个百分点。集团投资资产总投资收益率达到5.4%,同比提升0.2个百分点... 查看全部▼

  一、经营业绩
  截至2017年末,集团客户数达11,553万,较去年末增长1,109万,集团实现营业收入3,198.09亿元,其中保险业务收入2,816.44亿元,同比增长20.4%。集团净利润注1为146.62亿元,同比增长21.6%。集团内含价值2,861.69亿元,较上年末增长16.4%,其中集团有效业务价值注2 1,344.14亿元,较上年末增长32.7%。太保寿险实现一年新业务价值267.23亿元,同比增长40.3%;新业务价值率39.4%,同比提升6.5个百分点。太保产险综合成本率为98.8%,同比优化0.4个百分点。集团投资资产总投资收益率达到5.4%,同比提升0.2个百分点。

  二、核心竞争力分析
  本公司是中国领先的综合性保险集团,位列《财富》世界500强第252位。公司始终以客户需求为导向,专注保险主业,做精保险专业,创新保险产品和服务,提升客户体验,并致力于为股东创造可持续的价值与稳定的回报。
  坚持保险姓保,公司经营风格稳健,走高质量发展道路;专注保险主业,拥有涵盖人寿保险、财产保险、养老保险、健康保险、农业保险和资产管理的保险全牌照;拥有经验丰富的管理团队及集约化的集团管理平台,形成各司其职、各负其责、协调运转、有效制衡的公司治理机制;作为中国最知名的保险品牌之一,已建立覆盖全国的分销网络,拥有11,553万客户;持续推进以客户需求为导向的战略转型,建立了客户脸谱绘制能力,寿险在客群细分基础上的产品创新能力持续提升,产险优质客户服务能力不断增强;建立了资产负债管理机制,坚持稳健投资、价值投资、长期投资,增强约束负债成本的内生动力,基于负债特性的大类配置能力持续提升;建立了行业领先的风险管理与内控体系,保障公司的持续健康发展;拥有先进、可靠的信息技术系统,构建了企业级移动应用布局,具备领先的运营支持能力和新技术应用能力。
  三、未来展望
  一、市场环境与经营计划
  中国经济已由高速增长转向高质量发展阶段,保险业将迎来发展新空间:政府进一步明确了增强金融服务实体经济能力,加强社会保障体系建设,实施健康中国战略,打造共建共治共享的社会治理格局等发展要求,全社会对保险这一市场化社会管理机制的需求将持续提升。同时,强调保险“回归本源”,发挥长期稳健风险管理和保障的功能,保险业正处于回归保障本源的重大战略机遇期。
  2018年,公司将坚持以客户需求为导向,专注保险主业,做精保险专业,全面启动转型2.0,走创新驱动发展道路,严守风险底线,持续提升保险产品和服务的供给能力。
  二、可能面对的主要风险及应对举措
  一是我国现代经济体系建设和金融改革深入推进,金融科技发展日新月异,将重新定位保险行业角色、发展路径和重塑市场竞争格局,对公司战略和经营管理模式产生重大影响;二是“防风险、治乱象、严监管”趋势将持续和加强,寿险产品新规的实施和车险商改继续推进,对公司发展模式和合规与风险管理能力提出更高要求;三是公司仍将持续面临灾害性气候、人为事故等引发巨灾风险的考验;四是“去杠杆”监管政策的全方位、密集出台,导致金融市场非预期波动的可能性仍然很大,市场风险呈波动格局,信用风险与流动性风险未完全释放,对保险和投资业务存在重要影响。
  针对上述风险,公司将坚持依法合规经营,全面夯实合规与风险管理三道防线,全面强化产品开发、资产配置、业绩评价等环节的风险管控,不断改善资产负债匹配状况,持续改进和优化风险识别、评估、预算、监控、预警和处置机制,持续优化巨灾风险评估模型,进一步完善累积风险管控和再保险方案,守住不发生系统性风险的底线,确保经营稳定和偿付能力充足。 收起▲