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银行系险企依赖母行难“断奶”:专家提醒谨防“坐吃山空”

来源: 南方日报网络版     时间: 2019年01月24日 01:28:44
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互娱彩票huy08.nte官网信誉平台官方,招龙虎和代理注册实力诚招代理Q扣992.77.339时时彩龙虎和,意彩彩票代理,意彩官网,意彩平台注册,意彩乐官网,意彩娱乐官方网站银行系险企依赖母行难“断奶”:专家提醒谨防“坐吃山空”

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(原)(标)(题)(:银)(行)(系)(险)(企)(依)(赖)(母)(行)(难)(“断)(奶)(”:专)(家)(提)(醒)(谨)(防)(“坐)(吃)(山)(空)(”
左)(手)(增)(资)(,右)(手)(转)(让)(。近)(日)(,蓝)(鲸)(财)(经)(在)(交)(银)(康)(联)(人)(寿)(股)(东)(澳)(洲)(联)(邦)(银)(行)(处)(了)(解)(到)(,其)(拟)(将)(子)(公)(司)(澳)(洲)(康)(联)(集)(团)(手)(中)(37.5%的)(交)(银)(康)(联)(股)(份)(,转)(让)(给)(日)(本)(三)(井)(住)(友)(,对)(于)(同)(时)(进)(展)(中)(的)(交)(银)(康)(联)(人)(寿)(增)(资)(事)(项)(,澳)(洲)(联)(邦)(银)(行)(表)(示)(,三)(井)(住)(友)(将)(在)(增)(资)(完)(成)(后)(,偿)(还)(其)(增)(资)(金)(。
值)(得)(关)(注)(的)(是)(,蓝)(鲸)(财)(经)(在)(查)(阅)(交)(银)(康)(联)(经)(营)(数)(据)(时)(注)(意)(到)(,今)(年)(1季)(度)(,交)(银)(康)(联)(通)(过)(股)(东)(交)(通)(银)(行)(代)((601328.SH)理)(销)(售)(的)(保)(险)(保)(费)(占)(其)(规)(模)(保)(费)(比)(高)(达)(99%,这)(一)(现)(象)(并)(非)(个)(例)(,10家)(银)(行)(系)(险)(企)(中)(,通)(过)(股)(东)(银)(行)(销)(售)(保)(费)(占)(规)(模)(保)(费)(比)(超)(过)(6成)(还)(有)(建)(信)(人)(寿)(、招)(商)(信)(诺)(等)(4家)(险)(企)(。专)(家)(指)(出)(,部)(分)(银)(行)(系)(险)(企)(过)(度)(依)(赖)(银)(保)(渠)(道)(,缺)(乏)(开)(拓)(动)(力)(。
交)(银)(康)(联)(“要)(事)(缠)(身)(”:一)(手)(忙)(增)(资)(,一)(手)(忙)(股)(东)(变)(更)(
5月)(23日)(,交)(银)(康)(联)(人)(寿)(发)(布)(公)(告)(,称)(拟)(增)(资)(30亿)(元)(,其)(股)(东)(交)(通)(银)(行)(与)(澳)(大)(利)(亚)(康)(联)(集)(团)(按)(照)(各)(自)(的)(股)(本)(比)(例)(62.5%、37.5%分)(别)(向)(交)(银)(康)(联)(增)(资)(18.75亿)(、11.25亿)(元)(。增)(资)(后)(交)(银)(康)(联)(注)(册)(资)(本)(将)(达)(到)(51亿)(元)(。
同)(时)(,澳)(大)(利)(亚)(康)(联)(集)(团)(股)(东)(澳)(大)(利)(亚)(联)(邦)(银)(行)(表)(示)(,拟)(将)(手)(中)(交)(银)(康)(联)(37.5%股)(权)(全)(部)(转)(让)(给)(日)(本)(三)(井)(住)(友)(海)(上)(火)(灾)(保)(险)(公)(司)(。
澳)(大)(利)(亚)(康)(联)(集)(团)(为)(何)(一)(边)(对)(交)(银)(康)(联)(进)(行)(增)(资)(,一)(边)(选)(择)(转)(让)(交)(银)(康)(联)(股)(权)(?对)(此)(,蓝)(鲸)(财)(经)(采)(访)(澳)(大)(利)(亚)(联)(邦)(银)(行)(后)(得)(知)(,澳)(洲)(康)(联)(集)(团)(转)(让)(交)(银)(康)(联)(股)(权)(早)(有)(规)(划)(,去)(年)(9月)(,澳)(大)(利)(亚)(联)(邦)(银)(行)(宣)(布)(,将)(其)(在)(澳)(洲)(及)(新)(西)(兰)(的)(人)(寿)(保)(险)(业)(务)(销)(售)(给)(友)(邦)(保)(险)(的)(同)(时)(,拟)(在)(2018年)(出)(手)(交)(银)(康)(联)(股)(权)(。
对)(于)(此)(次)(增)(资)(,澳)(大)(利)(亚)(康)(联)(集)(团)(向)(蓝)(鲸)(财)(经)(介)(绍)(,是)(基)(于)(交)(银)(康)(联)(的)(发)(展)(需)(要)(与)(满)(足)(偿)(付)(能)(力)(要)(求)(,在)(与)(三)(井)(住)(友)(完)(成)(交)(易)(后)(,三)(井)(住)(友)(将)(把)(增)(资)(金)(额)(偿)(还)(给)(澳)(大)(利)(亚)(康)(联)(集)(团)(。
那)(么)(交)(银)(康)(联)(目)(前)(表)(现)(如)(何)(?蓝)(鲸)(财)(经)(查)(阅)(资)(料)(发)(现)(,在)(偿)(付)(能)(力)(方)(面)(,据)(交)(银)(康)(联)(今)(年)(1季)(度)(偿)(付)(能)(力)(报)(告)(显)(示)(,其)(今)(年)(1季)(度)(核)(心)(、综)(合)(偿)(付)(能)(力)(充)(足)(率)(均)(为)(188.76%,较)(上)(季)(度)(末)(增)(长)(13.85个)(百)(分)(点)(。从)(去)(年)(全)(年)(数)(据)(来)(看)(,2017年)(末)(交)(银)(康)(联)(综)(合)(偿)(付)(能)(力)(充)(足)(率)(为)(175%,较)(2016年)(末)(减)(少)(97个)(百)(分)(点)(,对)(此)(交)(银)(康)(联)(解)(释)(称)(,主)(要)(由)(业)(务)(快)(速)(增)(长)(,实)(际)(资)(本)(和)(最)(低)(资)(本)(相)(应)(上)(升)(所)(致)(。
盈)(利)(方)(面)(,2017年)(,交)(银)(康)(联)(实)(现)(2.56亿)(元)(净)(利)(润)(,较)(2016年)(增)(长)(25.31%,今)(年)(1季)(度)(交)(银)(康)(联)(实)(现)(9129.24万)(元)(净)(利)(润)(。保)(费)(收)(入)(方)(面)(,2017年)(,交)(银)(康)(联)(原)(保)(险)(保)(费)(收)(入)(达)(到)(131.31亿)(元)(,较)(2016年)(同)(比)(增)(长)(35.32%,而)(今)(年)(以)(来)(,交)(银)(康)(联)(1季)(度)(原)(保)(险)(保)(费)(收)(入)(实)(现)(35.69亿)(元)(,较)(去)(年)(同)(期)(缩)(水)(56.84%。
依)(赖)(严)(重)(:交)(银)(康)(联)(、建)(信)(人)(寿)(1季)(保)(费)(近)(100%来)(自)(股)(东)(代)(销)(
值)(得)(关)(注)(的)(是)(,蓝)(鲸)(财)(经)(在)(梳)(理)(交)(银)(康)(联)(保)(费)(结)(构)(时)(注)(意)(到)(,交)(银)(康)(联)(的)(保)(费)(收)(入)(存)(在)(严)(重)(依)(赖)(银)(保)(渠)(道)(的)(现)(象)(。根)(据)(监)(管)(数)(据)(,今)(年)(1季)(度)(,交)(银)(康)(联)(规)(模)(保)(费)(约)(为)(69.31亿)(元)(,同)(时)(其)(1季)(度)(关)(联)(交)(易)(信)(息)(显)(示)(,交)(银)(康)(联)(通)(过)(交)(通)(银)(行)(代)(理)(销)(售)(保)(险)(保)(费)(达)(到)(68.85亿)(元)(,占)(规)(模)(保)(费)(比)(高)(达)(99.34%。这)(并)(非)(偶)(然)(现)(象)(,2017年)(,交)(银)(康)(联)(规)(模)(保)(费)(实)(现)(178.52亿)(元)(,通)(过)(交)(通)(银)(行)(代)(理)(销)(售)(保)(险)(获)(得)(的)(保)(费)(为)(177.17亿)(元)(,占)(比)(同)(样)(高)(达)(99%以)(上)(。
无)(独)(有)(偶)(,蓝)(鲸)(财)(经)(梳)(理)(10家)(银)(行)(系)(险)(企)((股)(东)(或)(股)(权)(关)(联)(方)(存)(在)(银)(行)(身)(影)()保)(费)(数)(据)(后)(发)(现)(,依)(赖)(银)(保)(渠)(道)(已)(经)(成)(为)(银)(行)(系)(险)(企)(的)(“通)(病)(”。根)(据)(今)(年)(1季)(度)(各)(险)(企)(通)(过)(股)(东)(代)(销)(保)(险)(保)(费)(来)(看)(,建)(信)(人)(寿)(通)(过)(股)(东)(建)(设)(银)(行)((601939.SH)代)(理)(销)(售)(保)(险)(保)(费)(达)(到)(293.16亿)(元)(,占)(规)(模)(保)(费)(比)(约)(为)(100%,对)(于)(银)(保)(渠)(道)(依)(赖)(严)(重)(。
与)(此)(同)(时)(,1季)(度)(,工)(银)(安)(盛)(通)(过)(工)(商)(银)(行)((601398.SH)代)(理)(销)(售)(保)(险)(保)(费)(达)(到)(98.48亿)(元)(,占)(其)(今)(年)(规)(模)(保)(费)(比)(达)(到)(89.65%,接)(近)(9成)(;紧)(随)(其)(后)(的)(是)(招)(商)(信)(诺)(人)(寿)(,招)(商)(银)(行)((600036.SH)代)(理)(销)(售)(保)(险)(保)(费)(在)(今)(年)(1季)(度)(实)(现)(34.45亿)(元)(,占)(规)(模)(保)(费)(比)(达)(到)(76.75%,超)(过)(7成)(。同)(样)(通)(过)(股)(东)(代)(理)(销)(售)(保)(险)(保)(费)(占)(规)(模)(保)(费)(比)(超)(过)(5成)(的)(,还)(有)(中)(银)(三)(星)(与)(农)(银)(人)(寿)(,占)(比)(分)(别)(达)(到)(65.88%、54.24%。
此)(外)(,除)(未)(披)(露)(通)(过)(股)(东)(代)(销)(保)(险)(保)(费)(数)(目)(的)(中)(荷)(人)(寿)(与)(中)(邮)(人)(寿)(外)(,其)(他)(银)(行)(系)(险)(企)(中)(,通)(过)(股)(东)(银)(行)(销)(售)(保)(险)(产)(品)(收)(入)(占)(比)(相)(对)(较)(小)(的)(,分)(别)(为)(建)(信)(财)(险)(、光)(大)(永)(明)(人)(寿)(,占)(比)(分)(别)(为)(21.09%、13.57%。
值)(得)(关)(注)(的)(是)(,各)(家)(险)(企)(向)(银)(行)(股)(东)(或)(关)(联)(方)(支)(付)(的)(代)(理)(保)(险)(业)(务)(手)(续)(费)(不)(尽)(相)(同)(。例)(如)(,从)(已)(披)(露)(的)(数)(据)(来)(看)(,建)(信)(人)(寿)(今)(年)(1季)(度)(支)(付)(给)(建)(设)(银)(行)(的)(手)(续)(费)(为)(6.79亿)(元)(;中)(邮)(人)(寿)(支)(付)(给)(股)(东)(关)(联)(方)(中)(国)(邮)(政)(储)(蓄)(银)(行)(的)(手)(续)(费)(达)(5.27亿)(;而)(中)(荷)(人)(寿)(向)(股)(东)(北)(京)(银)(行)((601169.SH)交)(付)(的)(渠)(道)(手)(续)(费)(则)(相)(对)(较)(少)(,为)(833万)(元)(。
对)(于)(上)(述)(险)(企)(交)(付)(给)(母)(行)(的)(手)(续)(费)(,经)(济)(学)(家)(宋)(清)(辉)(分)(析)(称)(,“手)(续)(费)(制)(定)(基)(于)(市)(场)(化)(原)(则)(,应)(公)(平)(合)(理)(”,上)(海)(对)(外)(经)(贸)(大)(学)(保)(险)(系)(主)(任)(郭)(振)(华)(同)(时)(指)(出)(,“股)(东)(银)(行)(收)(取)(的)(渠)(道)(手)(续)(费)(应)(该)(不)(会)(高)(于)(市)(场)(价)(”。
事)(实)(上)(,银)(行)(股)(东)(及)(关)(联)(方)(不)(仅)(能)(够)(为)(险)(企)(子)(公)(司)(打)(通)(银)(保)(渠)(道)(,同)(时)(能)(够)(依)(托)(于)(自)(身)(的)(员)(工)(数)(量)(优)(势)(,以)(为)(员)(工)(提)(供)(福)(利)(的)(方)(式)(增)(加)(保)(险)(子)(公)(司)(的)(保)(费)(收)(入)(,使)(其)(大)(量)(的)(员)(工)(成)(为)(险)(企)(子)(公)(司)(的)(潜)(在)(用)(户)(。
从)(行)(业)(角)(度)(来)(看)(,据)(蓝)(鲸)(财)(经)(梳)(理)(发)(现)(,今)(年)(1季)(度)(,10家)(银)(行)(系)(险)(企)(的)(银)(行)(股)(东)(均)(通)(过)(其)(子)(公)(司)(投)(保)(团)(险)(,投)(保)(金)(额)(共)(计)(超)(过)(5.12亿)(元)(。
举)(例)(来)(说)(,其)(中)(交)(易)(金)(额)(最)(多)(是)(的)(建)(信)(人)(寿)(,其)(股)(东)(建)(设)(银)(行)(今)(年)(前)(3月)(在)(建)(信)(人)(寿)(投)(保)(团)(体)(保)(险)(2.04亿)(元)(,建)(设)(银)(行)(与)(建)(信)(财)(险)(在)(1季)(度)(实)(现)(保)(险)(业)(务)(5421.15万)(元)(,占)(建)(信)(财)(险)(1季)(度)(原)(保)(险)(保)(费)(的)(27.3%;今)(年)(前)(三)(月)(,农)(银)(人)(寿)(为)(农)(业)(银)(行)((601288.SH)及)(其)(下)(属)(机)(构)(提)(供)(员)(工)(福)(利)(保)(障)(保)(险)(,交)(易)(金)(额)(合)(计)(8839.15万)(元)(。
工)(银)(安)(盛)(在)(公)(告)(中)(注)(明)(,今)(年)(1季)(度)(,为)(32家)(关)(联)(股)(东)(公)(司)(及)(机)(构)(,提)(供)(团)(体)(员)(工)(福)(利)(保)(障)(保)(险)(,交)(易)(金)(额)(共)(5982.72万)(元)(,据)(蓝)(鲸)(财)(经)(粗)(略)(计)(算)(,其)(中)(,工)(商)(银)(行)(及)(下)(属)(各)(级)(机)(构)(购)(买)(的)(团)(体)(保)(险)(约)(为)(5880万)(元)(,占)(比)(约)(为)(98%。
专)(家)(:银)(行)(系)(险)(企)(应)(多)(渠)(道)(发)(展)(业)(务)(,谨)(防)(“坐)(吃)(山)(空)(”
整)(体)(来)(看)(,自)(带)(渠)(道)(优)(势)(的)(银)(行)(系)(险)(企)(不)(但)(能)(够)(借)(力)(股)(东)(及)(关)(联)(方)(拓)(展)(业)(务)(渠)(道)(,其)(股)(东)(自)(身)(同)(样)(能)(够)(为)(险)(企)(提)(供)(一)(定)(数)(量)(的)(保)(费)(支)(持)(。但)(不)(可)(忽)(视)(的)(是)(,银)(行)(系)(保)(险)(整)(体)(存)(在)(对)(于)(股)(东)(资)(源)(的)(依)(赖)(现)(象)(,其)(中)(部)(分)(险)(企)(的)(保)(费)(收)(入)(对)(银)(保)(渠)(道)(依)(赖)(严)(重)(。
对)(此)(,郭)(振)(华)(指)(出)(,“银)(行)(系)(险)(企)(成)(立)(之)(初)(,就)(打)(算)(利)(用)(母)(公)(司)(的)(银)(行)(的)(渠)(道)(,上)(述)(现)(象)(很)(正)(常)(。需)(要)(注)(意)(的)(是)(,银)(行)(渠)(道)(的)(特)(点)(,是)(对)(于)(长)(期)(保)(险)(的)(销)(售)(较)(为)(欠)(缺)(,险)(企)(需)(要)(克)(服)(这)(一)(缺)(陷)(”。
同)(时)(,国)(务)(院)(发)(展)(研)(究)(中)(心)(保)(险)(研)(究)(室)(副)(主)(任)(朱)(俊)(生)(向)(蓝)(鲸)(财)(经)(分)(析)(称)(,“基)(于)(银)(行)(是)(股)(东)(的)(特)(点)(,银)(行)(系)(险)(企)(在)(一)(定)(程)(度)(上)(面)(对)(的)(并)(不)(是)(完)(全)(的)(市)(场)(竞)(争)(,这)(导)(致)(其)(能)(力)(提)(升)(、创)(新)(均)(会)(收)(到)(抑)(制)(。在)(此)(前)(提)(下)(,部)(分)(银)(行)(系)(险)(企)(已)(经)(开)(始)(考)(虑)(或)(逐)(步)(推)(进)(个)(险)(、团)(险)(队)(伍)(”。
“另)(一)(方)(面)(,银)(保)(渠)(道)(自)(身)(也)(在)(进)(行)(转)(型)(,销)(售)(产)(品)(期)(限)(开)(始)(‘变)(长)(’”,朱)(俊)(生)(补)(充)(到)(,“目)(前)(银)(保)(渠)(道)(产)(品)(已)(经)(开)(始)(逐)(步)(从)(趸)(交)(转)(到)(期)(交)(、从)(理)(财)(转)(向)(保)(障)(性)(更)(强)(的)(险)(种)(去)(发)(展)(。但)(值)(得)(关)(注)(的)(是)(,银)(保)(渠)(道)(转)(型)(后)(或)(将)(面)(临)(新)(的)(局)(限)(性)(,比)(如)(保)(障)(性)(更)(强)(、更)(复)(杂)(的)(险)(种)(,是)(否)(适)(宜)(通)(过)(银)(保)(渠)(道)(销)(售)(”。
在)(此)(背)(景)(下)(,朱)(俊)(生)(建)(议)(称)(,银)(行)(系)(险)(企)(应)(该)(从)(转)(型)(的)(角)(度)(去)(发)(展)(其)(他)(渠)(道)(,让)(未)(来)(业)(务)(发)(展)(呈)(现)(多)(渠)(道)(特)(点)(,使)(业)(务)(发)(展)(有)(更)(强)(的)(稳)(定)(性)(。
“银)(保)(渠)(道)(的)(确)(能)(够)(推)(动)(银)(行)(系)(险)(企)(快)(速)(扩)(大)(规)(模)(,但)(严)(重)(依)(赖)(银)(保)(渠)(道)(的)(经)(营)(方)(式)(,正)(在)(暴)(露)(出)(退)(保)(率)(较)(高)(的)(‘短)(板)(’”,宋)(清)(辉)(提)(醒)(道)(,“这)(种)(现)(象)(说)(明)(银)(行)(系)(险)(企)(缺)(乏)(开)(拓)(动)(力)(,长)(此)(下)(去)(,或)(早)(晚)(有)(一)(天)(会)(‘坐)(吃)(山)(空)(’,给)(企)(业)(带)(来)(潜)(在)(风)(险)(”。(蓝)(鲸)(财)(经)(石)(雨)(实)(习)(张)(义)(申)()返)(回)(搜)(狐)(,查)(看)(更)(多)(责)(任)(编)(辑)(:
声)(明)(:该)(文)(观)(点)(仅)(代)(表)(作)(者)(本)(人)(,搜)(狐)(号)(系)(信)(息)(发)(布)(平)(台)(,搜)(狐)(仅)(提)(供)(信)(息)(存)(储)(空)(间)(服)(务)(。
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