中国平安和中国太保2025年一季度成绩单出炉有喜有忧！

金融虎网2025-04-27

4月25日晚，中国平安和中国太保抢先公布了2025年一季度“成绩单”。这两家保险巨头开年表现到底咋样？咱们一起来瞧瞧。保费收入增长，净利润却下滑先看收入，两家保险公司卖保险的收入都涨了。中国平安一季度保险服务收入1376.71亿元，比去年同期多了0.6%；中国太保保险服务收入695.5亿元，同比增长3.9%。不过，算上所有业务，两家公司的营业收入都出现了下降。一季度，中国平安实现营业收入...

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news!","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"82318":0.6,"601318":0.6,"02601":1,"03145":0.6,"02318":1,"PNGAY":0.6,"HPAD.SI":0.6},"content_text":"4月25日晚，中国平安和中国太保抢先公布了2025年一季度“成绩单”。这两家保险巨头开年表现到底咋样？咱们一起来瞧瞧。保费收入增长，净利润却下滑先看收入，两家保险公司卖保险的收入都涨了。中国平安一季度保险服务收入1376.71亿元，比去年同期多了0.6%；中国太保保险服务收入695.5亿元，同比增长3.9%。不过，算上所有业务，两家公司的营业收入都出现了下降。一季度，中国平安实现营业收入2328.01亿元，同比下降5.2%；中国太保实现营业收入937.17亿元，同比下降1.8%净利润方面，情况不太乐观。中国平安一季度实现归属于母公司股东的净利润为270.16亿元，同比减少26.4%；中国太保归母净利润96.27亿元，同比下降18.1%。为啥会这样？主要是市场波动“捣乱”。今年一季度公允价值变动对险企利润影响较大，该科目受归类为交易性金融资产的债券投资、股票投资等市值波动影响。例如，中国平安一季度因为公允价值变动损失了218.02亿元，而去年同期还赚了344.87亿元，一来一去差了562.89亿元；中国太保一季度公允价值变动收益16.55亿元，比去年同期的151.04亿元少了134.49亿元。这些数字上的巨大变化，直接导致净利润跟着下滑。投资表现：稳稳当当，但也有压力投资上，两家公司表现得都比较稳。截至一季度末，中国平安保险资金投资组合规模超5.92万亿元，比年初增长3.3%。实现非年化综合投资收益率1.3%，同比上升0.2个百分点；非年化净投资收益率0.9%，和去年同期持平。中国太保投资资产达到2.8万亿元，较上年末增长2.8%。不过投资收益有点分化，净投资收益率（未年化）为0.8%，和去年一样，但总投资收益率（未年化）为1.0%，同比下降0.3个百分点。寿险业务：个险渠道遇冷，银保渠道火爆在寿险业务上，两家公司都在努力转型，不过代理人渠道和银保渠道的表现差异明显。平安寿险及健康险业务成绩亮眼，一季度新业务价值达到128.91亿元，同比增长34.9%，新业务价值率也提升到32.0%。但具体到销售渠道，代理人渠道新业务价值仅增长11.5%，而银保渠道新业务价值直接暴涨170.8%。一季度，中国太保寿险新业务价值57.78亿元，同比增长11.3%。同样，代理人渠道新单保费下降了15.2%，而银保渠道新单保费同比大幅增长130.7%，规模达到201.14亿元，比代理人渠道同期的136.68亿元还要高。为啥会出现这种情况？一方面，前几年大家买保险的需求被消耗得差不多了；另一方面，保险公司主推的分红险，客户一时半会儿还不太接受。所以，保险公司都开始把重心往银保等多元化渠道转移。产险业务：综合成本率下降产险这边，两家公司的日子过得还不错。一季度，平安产险原保险保费收入851.38亿元，同比增长7.7%，综合成本率96.6%，比去年同期降低了3.0个百分点，说明成本控制得更好了。其中车险保费收入537.35亿元，同比增长3.7%；非车险保费收入314.03亿元，同比增长15.1%。不过，净利润还是下降了16.5%，为32.51亿元。中国太保产险原保险保费收入631.08亿元，同比增长1.0%，承保综合成本率97.4%，同比优化0.6个百分点。其中车险保费收入268.33亿元，同比增长1.3%；非车险保费收入362.75亿元，同比增长0.7%。总的来看，2025年一季度，中国平安和中国太保有亮点也有挑战。虽然市场波动让净利润下滑，但保险主业转型有了新方向，产险业务稳定，投资也保持平稳。声明：文章不构成投资建议，转载请注明出处。本文仅作为知识分享，不构成任何投资建议，任何人据此做出投资决策，风险自担。","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":0,"need_auth":false,"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 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中国平安和中国太保2025年一季度成绩单出炉 有喜有忧！

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中国平安和中国太保2025年一季度成绩单出炉有喜有忧！