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| 我国寿险公司的盈利模式及优化方向 |
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谭湘渝，刘红亮
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1.重庆工商大学 a.长江上游经济研究中心;2.b.财政金融学院，重庆 400067;3.2.三峡人寿保险股份有限公司 风险管理部，重庆，401147
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| 摘要: |
| 由于寿险业自身的行业特性和外部经济金融环境的变化，目前我国寿险公司的盈利模式倾向于以投资收益为主导的“海派”模式，盈利来源过度依赖投资收益，且承保业务处于亏损状态。“海派”盈利模式受宏观经济和金融市场的影响较大，存在着重大隐患和风险，寿险公司应适当淡化“海派”盈利模式，并强化“山派”盈利模式，从“以利差为主”向“综合盈利”转型。寿险公司应该重视并积极提高承保利润，加强保障性的利润相对较高的寿险产品开发与销售，压缩银保渠道业务，增加个险渠道业务，并强化风险管控，规范营销方式，通过产品和渠道的结构转型实现盈利的“承保＋投资”双轮驱动。 |
| 关键词: 寿险公司 盈利模式 投资收益 承保利润 “海派”保险理论 “山派”保险理论 |
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| Profiting Model and Optimization Direction of Chinese Life Insurance Companies |
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TAN Xiang-yu，LIU Hong-liang1,2,3,4
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1a,Yangtze Upriver Economic Research Center;2.1b. School of Finance, Chongqing Technology and Business University，Chongqing 400067, China;3.2. Department of Risk Management, Three Gorges Life Insurance Co. Ltd;4.Chongqing 401147, China
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| Abstract: |
| Because of self industrial characteristics and the change of external economic and financial environment of life insurance industry, currently, the profiting model of China’s life insurance companies tends to the Marine-School model by regarding investment gain as the leading role, its profiting sources excessively depend on investment and their insurance business is in deficit state. The impact of macro-economy and financial market on Marine-School model is big, there are serious hidden trouble and risk in it, the life insurance companies should change their business from Marine-School model to Mountain-School model and change the profiting method from “taking interests difference as major” to “comprehensively profiting”. Life companies should emphasize and actively raise insurance profit, strengthen the development and marketing for life insurance products with higher insured profits, narrow bank insurance channel business, increase individual insurance business, intensify risk management and control, standardize marketing method, realize double driving of insurance and investment through structural transition of products and channels. |
| Key words: life insurance company profit model investment profit underwriting profit Marine Insurance Theory Mountain Insurance Theory |
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