五大险企上半年成绩单出炉：头部险企增速分化，投资端反弹驱动净利增长近八成

深圳商报·读创08-31

深圳商报·读创客户端记者邱清月　　截至2026年8月末，A股五大上市险企半年报悉数披露完毕。数据显示，今年上半年中国人保、中国人寿、中国平安、中国太保、新华保险A股五大上市险企合计实现净利润3173.87亿元，同比增长78.12%，平均日赚17.54亿元。　　寿险价值修复全面兑现，头部险企增速分化　　2026年上半年，中国人寿、中国平安、中国人保、中国太保、新华保险五家上市险企的寿险及健康险业务...

网页链接

免责声明：本文观点仅代表作者个人观点，不构成本平台的投资建议，本平台不对文章信息准确性、完整性和及时性做出任何保证，亦不对因使用或信赖文章信息引发的任何损失承担责任。

精彩评论

我们需要你的真知灼见来填补这片空白

发表看法

{"i18n":{"language":"zh_CN"},"isChannel":false,"data":{"share":"https://www.laohunote.com/m/news/2663407322?lang=zh_CN&edition=full","thumbnail":"","is_english":false,"pubTime":"2026-08-31 16:20","share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","id":"2663407322","market":"us","top_or_hot":-1,"title":"五大险企上半年成绩单出炉：头部险企增速分化，投资端反弹驱动净利增长近八成","media":"深圳商报·读创","content":"<div>\n<p>深圳商报·读创客户端记者邱清月　　截至2026年8月末，A股五大上市险企半年报悉数披露完毕。数据显示，今年上半年中国人保、中国人寿、中国平安、中国太保、新华保险A股五大上市险企合计实现净利润3173.87亿元，同比增长78.12%，平均日赚17.54亿元。　　寿险价值修复全面兑现，头部险企增速分化　　2026年上半年，中国人寿、中国平安、中国人保、中国太保、新华保险五家上市险企的寿险及健康险业务...</p>\n\n<a href=\"http://finance.eastmoney.com/a/202608313860109368.html\">网页链接</a>\n\n</div>\n","source":"stock_eastmoney","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>五大险企上半年成绩单出炉：头部险企增速分化，投资端反弹驱动净利增长近八成</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n五大险企上半年成绩单出炉：头部险企增速分化，投资端反弹驱动净利增长近八成\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-08-31 16:20 北京时间&nbsp;&nbsp;&nbsp;<a href=http://finance.eastmoney.com/a/202608313860109368.html><strong>深圳商报·读创</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>深圳商报·读创客户端记者邱清月　　截至2026年8月末，A股五大上市险企半年报悉数披露完毕。数据显示，今年上半年中国人保、中国人寿、中国平安、中国太保、新华保险A股五大上市险企合计实现净利润3173.87亿元，同比增长78.12%，平均日赚17.54亿元。　　寿险价值修复全面兑现，头部险企增速分化　　2026年上半年，中国人寿、中国平安、中国人保、中国太保、新华保险五家上市险企的寿险及健康险业务...</p>\n\n<a href=\"http://finance.eastmoney.com/a/202608313860109368.html\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU0417516738.SGD","symbol_name":"Allianz Hong Kong Equity AT Acc SGD","start_time":0,"source_url":"http://finance.eastmoney.com/a/202608313860109368.html","article_id":"2663407322","we_media_id":null,"thumbnails":[],"rights":{"source":"stock_eastmoney","url":"http://finance.eastmoney.com/a/202608313860109368.html","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2663407322","pubTimestamp":1788164432,"columns":[],"sourceInfo":{"source_id":"stock_eastmoney","name":"东方财富"},"weMediaInfo":null,"summary":"深圳商报·读创客户端记者邱清月截至2026年8月末，A股五大上市险企半年报悉数披露完毕。数据显示，今年上半年中国人保、中国人寿、中国平安、中国太保、新华保险A股五大上市险企合计实现净利润3173.87亿元，同比增长78.12%，平均日赚17.54亿元。","collect":0,"end_time":0,"defaultTopTitle":"eastmoney.com","property":[],"viewcount":null,"language":"zh","relate_stocks":{"82318":"中国平安-R","LU0417516738.SGD":"Allianz Hong Kong Equity AT Acc SGD","LU0235996351.USD":"UBS (LUX) KEY SELECTION SICAV - ASIAN EQUITY (USD) \"P\" (USD) ACC","IE00B29SXG58.USD":"FSSA CHINA FOCUS \"I\" (USD) ACC","LU1152091754.HKD":"UBS (LUX) EQUITY FUND - CHINA OPPORTUNITY (USD) \"PM\" (HKD) INC","LU0348735423.USD":"ALLIANZ HONG KONG EQUITY \"A\" (USD) INC","LU0856984785.SGD":"HSBC GIF MANAGED SOLUTIONS ASIA FOCUSED GROWTH \"ACH\" (SGDHDG) ACC","LU0117844026.USD":"JPM ASIA PACIFIC INCOME \"A\" (USD) INC","03145":"华夏亚洲高息股","LU1051768304.USD":"贝莱德新兴市场股票收益A6","LU0043850808.USD":"HSBC GIF ASIA EX JAPAN EQUITY \"AD\" INC","LU1251922891.USD":"NINETY ONE GSF ALL CHINA EQUITY \"A\" (USD) ACC","BK1507":"粤港澳大湾区","LU0196878994.USD":"MANULIFE GF CHINA VALUE \"AA\" (USD) INC","LU1115378108.SGD":"Eastspring Investments - Global Emerging Markets Dynamic AS SGD","IE0008368742.USD":"首域中国增长基金I Acc","LU1880383440.USD":"AMUNDI FUNDS CHINA EQUITY \"A2\" (USD) INC","LU1044876610.USD":"THREADNEEDLE (LUX) ASIAN CONTRARIAN EQUITY \"ZU\" (USD) ACC","LU1023057109.AUD":"BGF CHINA \"A2\" (AUDHDG) ACC","LU2153592121.USD":"Aberdeen Standard SICAV I - Emerging Markets Sustainable Development Equity A Acc USD","LU0572944931.SGD":"Janus Henderson Horizon China Opportunities A2 SGD","LU0456827905.SGD":"JPMorgan Funds - China A (acc) SGD","LU1515016050.SGD":"Blackrock Emerging Markets Equity Income A6 SGD-H","LU0880133367.SGD":"UBS (LUX) EQUITY FUND CHINA OPPORTUNITY USD \"P\" (SGD) ACC","HK0000320223.HKD":"TAIKANG KAITAI CHINA NEW OPPORTUNITIES FUND \"A\" (HKD) ACC","LU0052750758.USD":"富兰克林中国基金A Acc","HK0000151867.HKD":"JPMORGAN ASIA EQUITY DIVIDEND (HKD) INC","PNGAY":"中国平安ADR","02318":"中国平安","LU0611395673.USD":"NINETY ONE GSF EMERGING MARKETS EQUITY \"A\" (USD) ACC","LU0630378429.USD":"HSBC GIF ASIA PACIFIC EX JAPAN EQ HD \"AM2\" (USD) INC","LU1048596156.SGD":"Blackrock Asian Growth Leaders A2 SGD-H","LU0640798160.USD":"EASTSPRING INVESTMENTS GLOBAL EMERGING MARKET DYNAMIC \"A\" (USD) ACC","LU2039709279.SGD":"MANULIFE GF DRAGON GROWTH \"AA\" (SGDHDG) INC","IE0008369823.USD":"FSSA HONG KONG GROWTH \"I\" ACC","LU0348816934.USD":"ALLIANZ TOTAL RETURN ASIAN EQUITY \"AT\" (USD)","LU0463099449.HKD":"SCHRODER ISF CHINA OPPORTUNITIES \"A\" (HKD) ACC","HPAD.SI":"Ping An Ins HK SDR2to1","IE00BVYPNP33.GBP":"GUINNESS ASIAN EQUITY INCOME \"C\" (GBP) ACC","LU0327786744.USD":"Janus Henderson Horizon China Opportunities A2 USD","LU0039217434.USD":"HSBC GIF CHINESE EQUITY \"AD\" INC","LU0211977185.USD":"EASTSPRING INVESTMENTS GREATER CHINA EQUITY \"A\" ACC","LU0831103253.SGD":"JPMorgan Funds - Asia Pacific Income A (mth) SGD","LU1993786604.SGD":"UBS (LUX) EQUITY SICAV ALL CHINA \"P\" (SGD) ACC","LU0228367735.SGD":"Eastspring Investments - Asian Equity Fund AS SGD","BK1184":"人寿与健康保险","LU0307460666.USD":"EASTSPRING INVESTMENTS CHINA EQUITY \"A\" ACC","LU0106252389.USD":"SCHRODER ISF EMERGING MARKETS \"A\" ACC","LU0588546209.SGD":"Eastspring Investments - China Equity Fund AS SGD"},"translate_title":"The first-half results of the five major insurance companies have been released: the growth rates of leading insurance companies diverged, with a rebound in investment driving net profit growth of nearly 80%.","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"82318":0.6,"03145":0.6,"02318":0.75,"HPAD.SI":0.6,"PNGAY":0.6,"PAImain":0.6},"content_text":"深圳商报·读创客户端记者邱清月　　截至2026年8月末，A股五大上市险企半年报悉数披露完毕。数据显示，今年上半年中国人保、中国人寿、中国平安、中国太保、新华保险A股五大上市险企合计实现净利润3173.87亿元，同比增长78.12%，平均日赚17.54亿元。　　寿险价值修复全面兑现，头部险企增速分化　　2026年上半年，中国人寿、中国平安、中国人保、中国太保、新华保险五家上市险企的寿险及健康险业务集体交出“价值回升”答卷。前期持续推进的渠道改革与产品价值转型进入成果兑现期，新业务价值实现全线正增长。　　从核心指标来看，五大险企寿险新业务价值增速呈现明显梯队分化。中国人寿以33.7%的同比增幅领跑同业，当期新业务价值达381.67亿元，银保与个险渠道协同发力，长期保障型及储蓄型产品同步上量，新单结构优化成效显著。中国太保紧随其后，新业务价值同比增长12.7%至107.58亿元，新业务价值率同比提升2.5个百分点至17.5%，高价值长期期缴业务占比持续攀升，价值转化效率改善最为突出。新华保险新业务价值同比增长11.9%至69.2亿元，深耕长期储蓄与健康保障赛道的战略定力持续兑现。中国平安寿险及健康险业务新业务价值同比增长11.2%至248.47亿元，经营基本面稳健，波动幅度在头部机构中最小。人保寿险在可比口径下实现5.2%的正增长，依托下沉市场与集团协同资源实现平稳复苏。　　财险全面承保盈利，新能源车险成结构性亮点　　财险板块延续“效益优先”经营主线，上半年三家头部产险公司综合成本率全部优化至95%左右区间，实现全面承保盈利，无一家出现亏损，行业盈利韧性持续增强。　　具体来看，人保财险综合成本率为94.5%，同比优化0.8个百分点，行业龙头风控优势持续巩固。公司通过数字化核保核赔体系升级与车险精细化管理，主动压缩工程险、企财险等高风险非车业务投放，承保端盈利稳定性进一步提升。中国太保产险优化力度最大，综合成本率同比下降1.3个百分点至95%，精细化运营成效充分释放。平安产险综合成本率为95.1%，同比微降0.1个百分点，其中费用率同比下降1.2个百分点至24.8%，费用管控成效显著，赔付率虽小幅上行至70.3%，但整体仍在可控区间。　　值得关注的是，新能源车险成为财险板块最具成长性的细分赛道。平安产险上半年新能源车险原保险保费收入达264.15亿元，同比增长21.5%，在车险业务整体稳健增长的背景下表现尤为亮眼。　　权益回暖注入强心剂，投资收益驱动利润高增　　上半年国内权益市场显著修复，叠加固收市场平稳运行，为险企资产配置提供了有利窗口。五家上市险企顺势优化“固收为主、权益为辅”的配置结构，适度提升权益资产占比，投资收益全面攀升，成为上半年业绩高增的核心驱动力。　　数据显示，2026年上半年五大上市险企合计实现归母净利润3173.87亿元，同比大幅增长78.12%，盈利规模创阶段性新高。　　其中，中国人寿投资弹性最为突出，上半年实现总投资收益3145.04亿元，同比增加1869.98亿元，年化总投资收益率达5.58%，同比大幅提升，权益资产布局优化对利润增厚效应显著。中国人保投资收益同步改善，固收底仓贡献基础收益的同时，权益增配带来可观增量收益，对集团整体利润形成有力支撑。　　行业整体来看，上半年险资权益配置力度稳步提升，头部机构重点布局高股息、低波动优质权益资产，兼顾收益与稳健；中小险企则适度提升权益仓位，积极把握市场修复红利。固收稳健打底、权益弹性增厚的配置效果充分显现，投资端的大幅改善与负债端的稳步复苏形成共振，共同推动行业经营景气度持续回升。（文章来源：深圳商报·读创）","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":false,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":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 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"isLaohu8Offline":false,"tenantId":"TBCN","deviceId":"web-server-community-laohu8-v3","version":"4.44.1","shortVersion":"4.44.1","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/2663407322","isCrawlerRequest":true}