随“计”应变?国寿、平安不再披露月度保费数据

投资快报03-10

按照多年以来的惯例，上市险企逐月披露保费，不过随着实施新会计准则后，最近好像有些公司正在发生变化，随“计”应变。投资快报记者注意到，2025年2月，中国人寿(601628.SH，2628.HK)、中国平安(601318.SH，02318.HK)两家保险行业巨头未再披露2025年1月的保费收入情况。相比之下，中国太保(601601.SH，2601.HK)、新华保险(601336.SH，01336....

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China Life and Ping An no longer disclose monthly premium data","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"601318":1,"601336":1,"601601":1,"601628":0.9,"000627":1},"content_text":"按照多年以来的惯例，上市险企逐月披露保费，不过随着实施新会计准则后，最近好像有些公司正在发生变化，随“计”应变。投资快报记者注意到，2025年2月，中国人寿(601628.SH，2628.HK)、中国平安(601318.SH，02318.HK)两家保险行业巨头未再披露2025年1月的保费收入情况。相比之下，中国太保(601601.SH，2601.HK)、新华保险(601336.SH，01336.HK)、天茂集团(000627.SZ)等则如期发布了今年1月的保费收入公告。对此，有业内人士表示，保费数据并非监管要求披露的信息，是自愿性信息披露公告。实施新会计准则后，原来的保费数据不能完全反映人身险公司的保险服务收入情况，因而未再披露这一数据。据了解，新会计准则在保险服务收入的计量中剔除了投资成分，也就是通俗而言的储蓄成分，是原保费中确定性地要通过保险给付(包括满期金、生存金、身故金或者退保金等)返还给客户的部分。新准则的保险服务收入更多地反映了原保费中风险保障的成分。“所以无论从当期还是整个保单周期来看，新准则保险服务收入都比原来的原保费收入低了很多。原来的保费收入体现的是客户交的实收保费，新准则的保费收入反映的是经营当期内保险公司承担风险保障赚取的对价。两个保险服务收入反映的不是一个概念，两个数字不具有可比性。”上述业内人士说道，寿险公司一般都是锚定全年经营目标进行谋划部署安排工作，从公司角度看，公布月度数据确实没什么必要。自2023年起，中国平安便率先执行新会计准则，并追溯调整了同期报表。中国人寿则在2023年采用新保险合同会计准则过渡方案，自2024年起采用新会计准则。不过，还有上市险企相关人士向记者表示，仍会披露2月的保费收入数据，但后续是否效仿同业不再披露目前尚不确定。根据1月份披露的数据显示，2024年，A股五家大型上市险企(中国人寿、中国平安、中国人保、中国太保、新华保险)合计实现保费约2.84万亿元，同比增长5.27%。具体来看，在保费收入方面，中国平安取得保费收入8581.43亿元，同比增长7.2%;其次为中国人保，取得的保费收入为6927.53亿元，同比增长4.7%;中国人寿取得保费收入约6717亿元，同比增长4.7%;中国太保取得保费收入4420.72亿元，同比增长约4.4%;新华保险取得保费收入1705.11亿元，同比增长2.8%。在财险业务方面，五家上市保险公司中仅有三家经营财险业务。整体来看，2024年太保产险、平安产险、人保财险保费同比分别上涨6.8%、6.5%和4.3%。2024年太保、人保和平安的车险保费增速分别为3.7%、4.1%和4.4%，预计随着车均保费延续回暖趋势，车险承保利润率也将改善。","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"deviceId":"web-server-community-laohu8-v3","version":"4.33.2","shortVersion":"4.33.2","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2518673342"}