July 30, the China Insurance Regulatory Commission issued the "2008 first half of the insurance intermediary market Development Report" (hereinafter referred to as "the" report "").
The "report" showed that as at June 30, 2008, the National Insurance professional intermediaries for 2381, and the agency 151,568, the total number of marketers have reached 2.219 million people.
National insurance companies through the intermediary channels of insurance premium income of 441.582 billion yuan, an increase of 53.36 percent, of the nation's total premium income of 78.60 percent, up 1.15 percentage points.
Among them, through professional agents and brokers in the professional and channels of the premium income of 21.676 billion yuan, an increase of 39.58 percent, 3.86 percent of the nation's premiums, year-on-year decrease of 0.32 percentage points. Insurance agents and industry to achieve premium income of 238.132 billion yuan, an increase of 118.34 percent of the total premium income of 42.39 percent, up 13.06 percent.
At present, a total of the insurance industry and agency 151,568, the increase in the previous quarter at the end of 6395, from the realization of the number or size of the premium, the bank still for the most points. Bank to the agency and more than half of the total volume, achieved 173.262 billion yuan in premiums in scale, accounted for 72.76 percent.
Multiple public information display, the first half of this year, the bank's insurance business to promote efforts to enhance significantly the size of the premium contribution Bukexiaoqu. They also own and earn a lot from the intermediate business income. The first half, insurance agents and industry to achieve income of 9.266 billion yuan agent fees, an increase of 93.44 percent. Banks was one of 60%, reaching 5.47 billion yuan.
With the agency and industry compared to more than 2,000 professional intermediaries realized an operating income of 2.913 billion yuan, an increase of 43.00 percent, overall profitability has reached 135 million yuan.
From the operational structure, and through the channels of the premium income is still the overwhelming majority of General Insurance, production and distribution channels of life insurance premium income ratio close to 7:3, while the proportion of higher brokerage channels, close to 8:2 .
Personal marketing channels the situation is completely different. As at the end of the second quarter of 2008, insurance marketers to achieve a total premium income of 181.774 billion yuan, an increase of 9.26%, of the total premium income of 32.36 percent. The personal insurance premium income of 146.6 billion yuan, and property insurance premium income of 35.174 billion yuan, which accounted for the same period of the personal insurance premiums and property insurance premium income of 33.95 percent and 27.07 percent.
In addition, the professional insurance intermediary to explore the trend of large-scale operation has appeared. First half of this year, Fan Hua Insurance Services Group ( "Fan Hua Group") began to enter the industry estimates, have arguably the acquisition of Guangdong, Shenzhen and Shanghai Pubang three-day value of the insurance company estimates. Currently, the agency's already 27, brokerage companies and five public companies estimated three.
In addition to equity participation and Wah Hong Fanhua holding pattern, the other insurance intermediary organizations are also actively exploring new model of large-scale operation.
Earlier this year, Jiangsu Winbond insurance agents take the lead in the 12 insurance agency in Nanjing announced the alliance, and does not change the original members of the League of the legal status and organizational structure and corporate culture, responsibility, mission and objectives as the basis of cooperation, through integration Advantages of centralized purchasing, use of decentralized sales channels, common to insurance companies for preferential policies.
However, the insurance intermediary market, there are some problems. China Insurance Regulatory Commission found that a small number of professional insurance intermediary organizations relatively weak internal control management, business philosophy is more extensive, and there are still Xulie operating expenses, invoices and forging an intermediary in a similar manner to operate pyramid schemes and other irregularities, insurance agents and industry Relatively weak monitoring the situation have not been fundamentally improved regulatory departments of the insurance companies did not completely straighten out the agency asked the insurance marketing and insurance companies Members of the relationship between the insurance companies on the insurance intermediary channels of control to be strengthened.
According to CIRC statistics, the first half of this year, there are 39 professional intermediaries out of the market, accounting for 1.64 percent. The second quarter, a total of 16 insurance intermediary organizations and four were in the administrative punishment by the China Insurance Regulatory Commission.
The reason, including non-payment of regulatory fees, insurance intermediary services, forging invoices, Xulie costs, Zhangwai opened a bank account, reported false financial statements, did not provide for the establishment of business files, the creation of an independent collection of premium accounts, not Provisions of the creation of an independent special accounts, funds, insurance supervision departments without a license in the insurance agency business, and so on.
To this end, the second half of the China Insurance Regulatory Commission will intensify spot checks and punishment and seriously mislead the investigation of fraud, embezzlement occupation of insurance, forging invoices, flight capital and other illegal acts.
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