单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,*,*,单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,*,*,非车险经营分析和发展管理举措(非车险部),非车险经营分析和发展管理举措(非车险部),主要内容,1.,2014,年非车险经营分析,2.2015,年非车险经营目标,3,.2015,年发展与管理举措,主要内容1.2014年非车险经营分析,1.1,非车险,市场总体情况,2014,年非车险经营分析,主要指标完成情况,业务发展：,截止,2014,年,12,月，我司实现非车险入帐保费,20473,万元，较去年同期增幅,1.14%,；河南行业传统非车险保费,23.71,亿元，同比增量为,2,亿元，增幅,9.23%,，我司慢于行业,8.09,个百分点；市场份额,8.62%,，同比下降,0.68,个百分点。,河南农险保费收入,11.39,亿元，同比增量,-4.07,亿元，增幅,-26.32%,；信用保证保险保费收入,10.14,亿元，同比增量,2.89,亿元，增幅,39.81%,。,1.1 非车险市场总体情况 2014年非车险经营分,3,1.2,各险种发展情况（,12,月底）,各险种对标情况,我司各主要险种中，责任险、工程险快于行业，其他险种均慢于行业，尤其意健险与行业差距很大。工程险连续两年快速发展，在机构的覆盖面也逐步扩大，并且盈利状况良好，已经成为我司保费、利润的新的主要增长点。,险种,2014,年 入账保费,2013,年 同期保费,同比增量,市场份额,同比增幅,行业增幅,行业对标,（百分点）,企财险,7258.39,8023.47,-765.08,9.35%,-9.54%,-2.68%,-6.86,责任险,5396.85,4000.82,1396.03,8.01%,34.89%,15.85%,19.04,货运险,950.59,1030.48,-79.89,9.67%,-7.75%,8.47%,-16.22,意健险,3433.13,4067.46,-634.33,5.99%,-15.60%,21.31%,-36.91,工程险,2865.54,2598.45,267.09,20.31%,10.28%,-7.89%,18.17,合 计,20473,20243,230,8.62,1.14%,9.23%,-8.09,2014,年非车险经营分析,1.2 各险种发展情况（12月底）各险种对标情况,4,1.3,各险种经营结果（,12,月底）,2014,年非车险经营分析,综合成本率,整体非车险综合成本率为,103.5%,，非车险中除意外险目前实质性亏损外，其他险种均保持着很好的盈利性。责任险综合成本率虽为,117.7%,，主要是增幅较高，受准备金影响较大，,2015,年肯定会释放大量利润，目前其实际满期赔付率仅为,31.73%,，近三年的综合满期赔付率也仅为,43.52%,，连续稳定地处于低位，是所有非车险种中发展最快、盈利最好、赔付状况最为稳定的险种（各险种满期见下页）。,单位：万元、,%,非车险,项目,非车险小计,企财险,货运险,意外险,责任险,工程险,保费收入,20472.79,7258.39,950.59,2576.30,5396.85,2865.54,一、营业收入,14206.69,5014.35,548.59,2269.01,3819.81,1177.17,二、营业支出,14710.19,3921.08,521.88,3306.04,4495.75,819.83,三、承保利润,-503.50,1093.27,26.70,-1037.03,-675.94,357.34,综合成本率,103.5%,78.2%,95.1%,145.7%,117.7%,69.6%,其中：综合赔付率,65.9%,46.1%,57.8%,96.9%,76.2%,33.7%,综合费用率,37.6%,32.1%,37.3%,48.8%,41.5%,36.0%,承保利润率,-3.5%,21.8%,4.9%,-45.7%,-17.7%,30.4%,1.3 各险种经营结果（12月底）2014年非车险经营分析,5,1.4,各险种满期赔付率,2014,年非车险经营分析,满期赔付率,传统非车险中企财险期赔付率整体较高且波动较大，人意险随着结构调整，满期逐年大幅下降，满期已经达到盈利水平，其他险类满期赔付率均较低，特别是公司重点推动的责任险及近年快速发展的工程险业务，历年满期赔付率均处于低位，保持着持续稳定的盈利，是我司传统非车险的主要利润来源。,年度 险种,工程险,货运险,企财险,人意险,责任保险,家财险,2012,40.46%,52.15%,55.72%,74.05%,47.97%,58.66%,2013,40.47%,7.11%,77.39%,65.83%,38.76%,40.72%,2014,4.09%,7.72%,110.38%,42.34%,31.27%,55.58%,合计,36.86%,25.12%,74.28%,64.59%,43.52%,39.31%,1.4 各险种满期赔付率2014年非车险经营分析满期赔付率,6,2014,年非车险经营分析,各中支公司,2014,年保费指标完成情况,1.5,各中支发展简要分析,2014,年，共有五家中支完成年初下达指标，完成,80%,以上的机构四家，,50%,的机构进度在,80%,以下；与,2013,年比，实现正增长的有,9,家中支。,截止,2014,年,12,月份非车险入账保费统计,传统非车险,中支名称,累计入账,累计增幅,目标值,完成比例,中支名称,累计入账,累计增幅,目标值,完成比例,周口,743.61,300.11%,380,195.69%,郑州,5295.00,-13.59%,6850,77.30%,信阳,388.64,134.80%,360,107.96%,许昌,713.56,6.85%,930,76.73%,濮阳,962.40,61.75%,900,106.93%,驻马店,374.30,-8.79%,550,68.05%,新乡,1637.58,6.12%,1630,100.46%,南阳,695.44,-22.67%,1050,66.23%,平顶山,1083.45,65.42%,1080,100.32%,洛阳,917.89,0.99%,1600,57.37%,安阳,1707.51,-1.33%,1800,94.86%,三门峡,419.96,-50.86%,750,55.99%,商丘,450.22,75.54%,500,90.04%,漯河,246.11,-40.07%,500,49.22%,济源,370.37,-25.81%,450,82.30%,开封,170.51,-19.79%,350,48.72%,焦作,684.76,19.28%,850,80.56%,鹤壁,224.12,-32.90%,480,46.69%,2014年非车险经营分析各中支公司2014年保费指标完成情况,7,2014,年非车险经营分析,中支公司综合成本率,1.6,各中支综合成本率,2014,年，实现传统非车险盈利的机构有,10,家，亏损的有,8,家；亏损的机构中，有的仅仅是因为一个单子、一个客户的影响，持续高额赔付，造成整个机构的非车险亏损，这类客户将是,2015,年重点调控的目标，不能够实质性改善的，将直接放弃。,截止,2014,年,12,月份非车险综合成本率,非车险小计（含农险）,中支名称,综合成本率,综合赔付率,综合费用率,承保利润率,中支名称,综合成本率,综合赔付率,综合费用率,承保利润率,开封,-23.8%,-56.3%,32.5%,123.8%,郑州,97.3%,56.0%,41.3%,2.7%,新乡,68.1%,30.0%,38.2%,31.9%,安阳,101.3%,52.1%,49.2%,-1.3%,焦作,69.5%,40.9%,28.6%,30.5%,南阳,108.1%,60.4%,47.7%,-8.1%,周口,79.2%,23.8%,55.4%,20.8%,许昌,108.8%,79.1%,29.7%,-8.8%,漯河,81.3%,35.0%,46.3%,18.7%,平顶山,113.5%,61.1%,52.4%,-13.5%,济源,87.3%,57.1%,30.2%,12.7%,濮阳,135.9%,93.5%,42.5%,-35.9%,洛阳,90.9%,51.6%,39.3%,9.1%,驻马店,155.0%,107.8%,47.2%,-55.0%,商丘,92.4%,88.5%,3.8%,7.6%,鹤壁,160.4%,105.2%,55.2%,-60.4%,信阳,96.2%,45.1%,51.0%,3.8%,三门峡,167.6%,132.9%,34.7%,-67.6%,总计,98.7%,59.3%,39.4%,1.3%,2014年非车险经营分析中支公司综合成本率1.6 各中支综,8,2014,年非车险经营分析,中支公司满期赔付率,1.7,各中支主要险种满期赔付率,从满期赔付率来看，应该说整个非车险业务品质是比较好的，其中,15,家中支公司的满期都在,50%,以下，满期较高的三家机构都有非常明确的因素；从险种看，三大主要险种，企财险满期相对较高，也是由于一个个案和屈指可数的几个特殊客户的影响。作为衡量业务品质的这一重要指标体现，更加坚定了我们对非车险盈利性的判断。,截止,2014,年,12,月份非车险主要险种满期赔付率,传统非车险,中支名称,企财险,意外险,责任险,整体,中支名称,企财险,意外险,责任险,整体,开封,0.00%,8.16%,6.38%,5.33%,洛阳,27.39%,53.65%,3.34%,31.36%,信阳,0.00%,68.70%,17.87%,12.11%,南阳,18.09%,82.44%,10.43%,32.44%,济源,4.90%,23.80%,16.49%,15.55%,驻马店,7.11%,44.19%,52.25%,32.60%,漯河,0.28%,54.25%,19.96%,18.54%,许昌,11.19%,26.18%,72.65%,37.70%,三门峡,0.00%,9.37%,22.20%,20.79%,商丘,66.08%,21.47%,27.34%,37.91%,鹤壁,3.78%,26.26%,55.57%,26.62%,周口,0.00%,24.08%,57.47%,49.33%,平顶山,76.13%,27.81%,29.03%,28.27%,濮阳,178.55%,23.10%,3.41%,80.19%,焦作,30.89%,72.32%,6.65%,29.19%,安阳,83.08%,61.99%,126.41%,81.68%,新乡,41.27%,44.70%,15.60%,30.38%,郑州,210.84%,46.43%,39.42%,130.27%,总计,102.72%,44.35%,29.59%,63.36%,2014年非车险经营分析中支公司满期赔付率1.7 各中支主,9,1,.8,各中支责任险发展,2014,年非车险经营分析,中支公司责任险各主要险种保费,单位：万元,机构,承运人责任险,安全生产责任险,责任险,累计保费,2014,年,入账保费,2013,年,入账保费,同比增幅,2014,年,入账保费,2013,年,入账保费,同比增幅,郑州,280.51,272.12,3.08%,2.18,3.71,-41.32%,731.70,分公司本部,0.00,0.00,/,463.75,346.05,34.01%,715.19,新乡,379.71,326.05,16.46%,0.22,21.42,-98.95%,680.31,周口,556.39,7.28,7540.61%,7.04,0.43,1522.31%,657.39,平顶山,109.16,85.10,28.27%,36.08,37.75,-4.42%,36