中国财产和意外伤害保险市场 - 增长、趋势、COVID-19 影响和预测(2022 - 2027 年)

中国财产险市场按业务范围(汽车、企业财产、责任、家庭、工程、海运)和分销渠道(直销、个人代理、跨境合资和跨行业)细分。- 增长、趋势和预测(2020-2025)

市场快照

Property & Casualty Insurance Market in China (2020-2025)
Study Period: 2016 - 2026
Base Year: 2021
CAGR: 7.94 %

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市场概况

在中国,保险公司要么获得寿险业务或非寿险业务的执照,但直到 2003 年才同时获得这两种业务的执照。据此,非寿险公司可以承保人身保险和短期健康保险。在非寿险业务中,监管机构划分的“基本”险种包括车险、财产险、工程险、责任险、海上险,这些险种都属于研究中的财产险和意外险。

据中国保监会统计,2018年财产险业务原保费收入10770亿元,同比增长9.51%。在截至 5 月的 2019 财年,就本年度累计保费而言,最大的财产险险种/类型是车险(60.2%),其次是责任险、企业财产险、工程险和家庭险。

Scope of the report

The Chinese Property & Casualty Insurance Market report covers various types of insurance available in the current Insurance market Scenario, along with the distribution channels used by insurance companies. In addition to a detailed study presenting the impact of political and economic aspects governing the Chinese market, digital innovations re-shaping the insurance sector in the country are presented in the report.

By Line of Business
Motor Insurance
Enterprise Property Insurance
Home Insurance
Liability Insurance
Marine Insurance
Other Non-Life Insurance
By Distribution Channel
Direct Sales
Individual Agency
Cross-Sector ( Internet + Insurance)
Cross-Border Joint Ventures

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主要市场趋势

保险科技洞察及中国保险业采取的协同措施

中国在线保险市场的独特之处在于,与其他经济体的主要趋势不同,大型参与者与科技巨头或科技巨头建立了自己的新在线保险业务。. 在中国,小型保险科技公司并没有提供完全不同的产品来与传统参与者竞争,而是通过他们的服务(例如微信)提供提高传统参与者产品可接近性的服务。

在线保险的渗透率呈上升趋势,2018 年 5% 的保费收入来自数字渠道。在中国,2016年通过数字方式投保的车险已达103.4亿元,并且在过去四年中一直呈增长趋势。

科技巨头和传统保险业者之间的合作将在未来几年带来更多的客户接触和创新,因为它们得到了来自两个不同领域的大公司的雄厚财力的支持。众安在线财产保险有限公司就是这样一个合作伙伴,它使用人工智能和区块链技术等最新技术,其能力、范围和效率已在报告中详细介绍。

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中国保险业监管环境洞察

中国保险监督管理委员会是中国保险市场的监管机构。监管部门于 2013 年 5 月发布了新规则,将保险业务分为基本组和扩展组。一家新的国内非寿险公司被​​允许仅从基本业务开始,并且必须遵守最低资本要求以增加其业务产品。他们也可以每六个月申请一次扩展业务,一次只能申请一次。

外国申请人在国内申请保险执照,除上述规定外,还需具备30年以上保险从业经验,总资产不低于50亿美元,并在中国设有代表处至少两年。报告中详细介绍了与货币、投资、并购、备案和审批机构相关的许多其他法规。

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竞争格局

迄今为止,中国财产险市场竞争非常激烈,但大部分市场份额被市场上的四家公司占据。中国太平洋保险股份有限公司是行业第三大公司,按原始保费收入计算,市场份额为9.98%。在本次研究中,除了传统的和顶级的参与者,我们还详细介绍了众安在线财产保险有限公司,这是一家拥有相当大市场份额的纯在线财产险公司。鉴于大型参与者的市场存在和不断变化的市场格局,在预测期内有很大的整合空间。

Table of Contents

  1. 1. INTRODUCTION

    1. 1.1 Scope of the Study

    2. 1.2 Market Definition

  2. 2. RESEARCH METHODOLOGY

    1. 2.1 Study Deliverables

    2. 2.2 Study Assumptions

    3. 2.3 Analysis Methodology

    4. 2.4 Research Phases

  3. 3. EXECUTIVE SUMMARY

  4. 4. MARKET DYNAMICS

    1. 4.1 Market Overview

      1. 4.1.1 Historic Performance of Insurance Companies in China

      2. 4.1.2 Non- Life Insurance Sector Performance in China

      3. 4.1.3 Premiums Written by China Non- Life Insurance Companies

      4. 4.1.4 Benefit Payments over the years by China P&C Insurers

      5. 4.1.5 Investment Pattern and Returns Achieved by China P&C Insurers

    2. 4.2 Insights on Economic Performance of China

    3. 4.3 Regulatory Landscape

      1. 4.3.1 Insights on Regulatory Environment of China Insurance Industry

      2. 4.3.2 Scope for Development in lieu of Evolving Business Landscape

    4. 4.4 Digital Insurance

      1. 4.4.1 Insights on Insurtech Innovations in China Insurance Market

      2. 4.4.2 Online Insurance Penetration in China P&C Insurance Market

      3. 4.4.3 Business Models of Online-only Players in China P&C industry (Eg. Zhong An)

    5. 4.5 Repercussions of Catostrophic Losses on the Insurance Market

    6. 4.6 Market Drivers

    7. 4.7 Market Restraints

    8. 4.8 Porters 5 Force Analysis

      1. 4.8.1 Threat of New Entrants

      2. 4.8.2 Bargaining Power of Buyers/Consumers

      3. 4.8.3 Bargaining Power of Suppliers

      4. 4.8.4 Threat of Substitute Products

      5. 4.8.5 Intensity of Competitive Rivalry

    9. 4.9 PESTLE Analysis

  5. 5. MARKET SEGMENTATION AND ANALYSIS

    1. 5.1 By Line of Business

      1. 5.1.1 Motor Insurance

      2. 5.1.2 Enterprise Property Insurance

      3. 5.1.3 Home Insurance

      4. 5.1.4 Liability Insurance

      5. 5.1.5 Marine Insurance

      6. 5.1.6 Other Non-Life Insurance

    2. 5.2 By Distribution Channel

      1. 5.2.1 Direct Sales

      2. 5.2.2 Individual Agency

      3. 5.2.3 Cross-Sector ( Internet + Insurance)

      4. 5.2.4 Cross-Border Joint Ventures

  6. 6. COMPETITIVE LANDSCAPE

    1. 6.1 Overview (Market Concentration and Major Players)

    2. 6.2 Mergers & Acquisitions

    3. 6.3 Company Profiles

      1. 6.3.1 PICC Property & Casualty Company Limited

      2. 6.3.2 Ping An Insurance

      3. 6.3.3 China Pacific Insurance Company Limited

      4. 6.3.4 China Life Property & Casualty Insurance Company Limited

      5. 6.3.5 China Continent Property & Casualty Insurance Company Limited

      6. 6.3.6 China United Insurance Service Inc.

      7. 6.3.7 Sunshine Insurance Group

      8. 6.3.8 China Taiping Insurance Group Ltd.

      9. 6.3.9 China Export & Credit Insurance Corporation

      10. 6.3.10 Tian an Property Insurance Company *

      11. 6.3.11 *List not Exhaustive

  7. 7. MARKET OPPORTUNITIES AND FUTURE TRENDS

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Frequently Asked Questions

The China Property & Casualty Insurance Market market is studied from 2016 - 2026.

The China Property & Casualty Insurance Market is growing at a CAGR of 7.94% over the next 5 years.

PICC property and casualty company limited, Ping An Insurance, China Pacific Insurance Company Limited, China Life Property & Casualty Insurance Company Limited , China Continent Property & Casualty Insurance Company Limited , China United Insurance Service Inc. are the major companies operating in China Property & Casualty Insurance Market.

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