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中国人寿和年金保险市场 - 趋势、行业竞争力、颠覆与创新以及到 2022 年的预测

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人寿和年金保险在全球保费中占据最大份额。

这部分保险直接受到宏观经济变化的严重影响,尤其是相关监管环境的变化和相关资本市场的健康状况。

  • 发达市场强劲复苏为稳定回报让路:2014-2015年,寿险市场(不包括健康险)以小幅领先全球财产险市场。发达市场不同地区的增长率仍然存在差异,最终高于 2014-2015 年的财产险增长率。目前西欧国家的保费增长率较低,在某种程度上,与 2012-2013 年相比“正常”,当时由于监管激励措施出现强劲的增长率。401(k) 计划中的另类资本资产有时会阻碍人寿保险在成熟市场中的发展,以及在制定商业计划时不能忽视的其他区域背景。
  • 人寿保险保费引领新兴市场的保费增长,保险渗透以提供市场洞察力以选择未来业务:亚洲和拉丁美洲服务不足的市场在推动这一保险业务类别的全球增长方面处于领先地位。亚洲市场以人寿保险为主导(斯里兰卡和老挝除外)。虽然财产险的特定部分在亚洲的保费增长超过了人寿保险,但在 2015 年,人寿保险的增长超过了财产险的增长。
  • 寿险渗透率停滞不前,PFA占比下降导致替代产品普及:由于国家层面的法规和客户的需求,PFA(个人金融资产)的人寿保险份额差异很大。与成熟市场中被视为停滞不前的保险深度直接相关,我们估计,尽管全球人寿保险有所增长,但该计划在 PFA 中的比例在未来仍将进一步下降。取代人寿保险产品,更多创新产品将受到青睐,这些产品可以最大限度地满足客户对下行保障的需求,同时最大限度地发挥产品的上行潜力。这些产品包括可变寿命和年金。无论是周期性的还是结构性的,可变人寿保险产品不仅在成熟市场找到了市场需求,它们在这些市场的表现优于传统人寿保险领域(即使在金融危机时期),
  • 保险业的趋势:保险子行业的技术颠覆、不断变化的风险动态和非典型的资本准入机会以不同的方式影响着财产险行业的子行业,使一些机会比其他机会更好。

报告范围

Mordor Intelligence 的主要产品

市场规模

今年世界上最赚钱的行业之一的价值是多少?到 2022 年,它的价值是多少?行业规模按其最赚钱的子垂直行业(包括:L&H)进行细分,并提供地理上的详细见解。

行业趋势和市场动态

宏观经济、微观经济,甚至是意想不到的因素,按影响程度排列,影响全球保险市场。其中包括帮助企业顺应潮流的驱动因素、最终可能阻碍的障碍以及潜在的机会,然后才被竞争对手利用。

技术中断

数据和分析是(再)保险市场不可或缺的组成部分。基于

关于公司在价值链中的地位以及公司对未来的愿景和使命,Mordor 提供了该领域最相关的创新(运营、技术、颠覆性等)。

资本趋势和指标

(再)保险领域、跨地区和行业子垂直领域的资本准入如何变化?这种资本交换的影响因素是什么?如何整合这些见解以促进短期目标?

比赛概况

这是报告中最全面的部分,涉及价值链中相关点的竞争。

提供了按市场地位划分的公司竞争分析。覆盖范围包括再保险公司、替代资本来源、传统保险公司(按子细分市场详尽列出)以及利用技术和创新的初创公司。报告的这一部分有助于对各自公司的战略进行合理和公正的详细概述,并阐明公司如何以及为什么要适应他们预见到的未来机遇和挑战,同时还要在 P&C 的现有结构环境中竞争保险产品和服务市场。

 

1. Executive Summary

2. Research Methodology

3. China Insurance Industry Outlook

                3.1 GDP and Economic Activity

                3.2 Consumer Confidence

                3.3 Inflation

                3.4 Employment Rate

                3.5 Interest Rates

                3.6 Household Wealth

                3.7 Growth in Services

                3.8 Growth in Manufacturing

4. China Regulatory Environment, Insurance and Insurance Investment Laws and Key Policy Initiatives

5. China Market Dynamics

                5.1 Drivers

                5.2 Restraints

                5.3 Opportunities

                5.4 Challenges

                5.5 Technological Innovations (Includes Blockchain)

                5.6 Alternative Capital on the RIse

6. China Market Segmentation

                6.1 Life

                                6.1.1 Market Size (USD million)

                                6.1.2 Total Direct Premiums (USD billion), Historical and Future Trends

                                6.1.3 Claims Payments (USD billion), Historical and Future Trends

                                6.1.4 Capital Structure

                                                6.1.4.1 Investment Income

                                                6.1.4.2 Net Income & Return on Equity

                                                6.1.4.3 Returns on Surplus

                                                6.1.4.4 Portfolio Allocation (Between Bonds, Shares, Real Estate & Between Public Sector Bonds & Private Sector Bonds)

                                                6.1.4.5 Average Real Net Investment Return, by Type of Insurer

                6.2 Other Annuities

                                6.2.1 Market Size (USD million)

                                6.2.2 Total Direct Premiums (USD million), Historical and Future Trends

                                6.2.3 Most Costly Insurance Losses by Years (USD million)

                                6.2.4 Claims Payments (USD billion), Historical and Future Trends

                                6.2.5 Capital Structure

                                                6.2.5.1 Investment Income

                                                6.2.5.2 Net Income & Return on Equity

                                                6.2.5.3 Returns on Surplus

                                                6.2.5.4 Portfolio Allocation (Between Bonds, Shares, Real Estate & Between Public Sector Bonds & Private Sector Bonds)

                                                6.2.5.5 Average Real Net Investment Return, by Type of Insurer

7. China Competition Profiling

                7.1 Bilateral or Domestic Insurance Associations of Note

                7.2 Market Share Analysis

                                7.2.1 Life

                                7.2.2 Other Annuities

                7.3 Key Player Profiles

                                7.3.1 Industry Vertical, Position in the Value Chain, Market Demand Generating Factors)

                                7.3.2 Net Income

                                7.3.3 Strategies for Operation (Includes Innovations and Disruptions of note)

                                7.3.4 M&A

                                7.3.5 Country of Operation

                7.4 Companies Covered (Not-Exhaustive)

                                7.4.1 Berkshire Hathaway

                                7.4.2 AXA

                                7.4.3 Allianz

                                7.4.4 Japan Post Holdings

                                7.4.5 Assicurazioni Generali

                                7.4.6 Prudential Plc

                                7.4.7 China Life Insurance

                                7.4.8 Ping An Insurance

                                7.4.9 Legal & General Group

                                7.4.10 Munich Re

                                7.4.11 Cyence

                                7.4.12 Lemonade

                                7.4.13 Oscar

                                7.4.14 PolicyGenius

                                7.4.15 Safeshare

                                7.4.16 SimpleSurance

                                7.4.17 SynerScope

                                7.4.18 Trov

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