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车险业务陷两难,存依赖利宝保险年内三获股东施援

    近日,蓝鲸保险注意到,利宝保险有限公司(以下简称“利宝保险”)拟进行年内第3次增资,事实上,2011年以来,利宝保险保持着“小而繁”的增资速度,股东频频施援背后,是其常年亏损、偿付能力逐期下滑的“窘境”。事实上,利宝保险主打车险业务,居高的综合成本率,使得其陷于车险业务亏损的“泥潭”,对此,专家表示,一方面可收购成熟的保险中介公司,通过自有渠道展业,压缩成本,另一方面也可尝试非车险业务,运用股东优势,在分保、再保业务方面发力。年内3次增资,利宝保险母公司频出手“扶持”近日,利宝保险公告表示,拟增资1.2亿元人民币,将其投资总额及注册资金从17.26亿元变更为18.46亿元,事实上,这也是2018年以来,利宝保险拟进行的第3次增资,7月17日、8月22日,银保监会分别批复同意利宝保险增资0.4亿元、1.25亿元。值得关注的是,蓝鲸保险梳理发现,利宝保险官网公开信息显示,2011年至今,利宝保险已14次调整注册资本,注册资本由较早期的3.55亿元增加至目前的17.26亿元,细化来看,2011年、2012年,利宝保险均两次上调注册资本,此后未间断,2017年稍有暂缓,2018年则再现增资动作。从增资金额来看,在0.4亿至1.25亿之间不等,与部分险企动辄超10亿的资金相比,体量相对较小,但利宝保险为何频繁补充注册资本呢?对此,蓝鲸保险采访到利宝保险相关负责人,其回应称,增资计划主要是为满足公司业务发展需要,“通过持续增资,增强利宝保险的资本实力、偿付能力、抗风险能力等综合竞争力,支持业务发展”。事实上,利宝保险是外资险企中的老面孔,为利宝互助保险集团(以下简称“利宝相互”)的全资子公司,2003年,利宝相互在重庆设立分公司,2007年升级为全资子公司,并正式更名为利宝保险,2009年开始,利宝保险相继在北京、浙江等多地成立分支机构,扩大业务布局。据了解,中国市场是利宝相互在全球的重要业务区域之一,“主动对利宝保险持续增资,体现了利宝相互拓展中国区业务、深耕中国市场的战略意图,以及对利宝保险实现盈利性增长的信心”,利宝保险对蓝鲸保险表示。然而,驶入发展“快车道”的利宝保险,一方面随着业务规模的扩大,保费收入“水涨船高”,另一方面,则是常年处于亏损“窘境”。数据显示,2009年至2017年,利宝保险均处于亏损之中,2018年前3季度,净亏损0.56亿元。除持续亏损外,利宝保险也面临着偿付能力下滑的局面。2016年1季度至2018年2季度,利宝保险核心偿付能力充足率逐期下行,从319%下行至104%。一边是展业对资本的消耗,导致偿付能力充足率下滑,一边是持续亏损,无法以利润填补,利宝保险的外资股东不得不频频伸出援手。“频繁增资的行为,或说明利宝保险对母公司有较强的依赖性”,经济学家宋清辉对蓝鲸保险分析称,在其看来,利宝保险多年来靠母公司持续注资,或未培育独立性。车险业务陷“两难”,非车业务或可谋事实上,利宝相互除了不断向利宝保险增资,提升实力以期扭亏外,也曾动过变更外资独资险企身份的“心思”。“若变为中外合资险企,或有助于打入国内市场,尽早实现本土化经营”,宋清辉指出。2016年8月16日,利宝相互与三胞集团有限公司(以下简称“三胞集团”)签署合资经营合同及股权转让协议等交易文件,前者向三胞集团转让利宝保险的51%股权,成立合资企业,但这一计划并未如期推进,2017年8月中旬及11月中旬,利宝相互、三胞集团分别终止了此前的交易协议。“脱手未成”,一位较为熟悉利宝保险的业内人士对蓝鲸保险分析称,不少外资险企欲通过变更身份贴近当地市场,但三胞集团优势或并不明显。转换身份未成的利宝保险不得不照旧增资,与终止股东变更协议一同披露的,即为一封增资公告。那么,为何外资股东背景雄厚的利宝保险,多年来在中国市场“水土不服”?蓝鲸保险梳理发现,业务结构显示,利宝保险与大部分财险公司业务结构模式相似,主打车险业务,2009年至2015年,该业务占保险业务收入的比重在8成左右,2016年及2017年,业务占比下滑至69.78%、64.06%。“中小险企车险业务成本都在10%以上,包括机构设置、人员配置成本等,不展业,固定成本高,若展业,又面临较高的中介手续费,利宝保险正是陷入此种‘困局’”,上述业内人士进一步补充道,“或可尝试缩车险,强非车,做分保、再保业务”。“但不管什么险种,都需要一定的规模,才能把固定成本均摊掉”,上海对外经贸大学保险系主任郭振华指出,目前非车险业务也多是传统业务,“除非依靠股东资源,或者有新技术可以运用”。不难发现,近两年,利宝保险车险业务占比已有缩减,是否存在“去车险”化趋势?“接下来,利宝保险将对业务按照风险细分、客户细分等原则,对销售资源进行差异化配置,提升资源使用效率,机构开设方面,在现有省级分公司的基础架构上,挖掘现有市场空间”,利宝保险对蓝鲸保险表明下一阶段公司战略方向,但并未对业务结构做出回应,此外,数据显示,2014年至今,利宝保险累计增设46个分支机构。“现在早已过了靠开设分支机构来实现业务增长的时段,不能盲目靠数量取胜”,上述业内人士分析称,“外资财险公司可以尝试收购保险中介公司,控股后然后做自营业务”,其指出,目前不少保险中介公司业务能力较强,也有成熟团队,在业务政策的刺激下,或能实现可观的业务增长。“尚未达到本土化,影响外资险企业务发展”,宋清辉指出,还需多利用母公司技术和经营理念的优势,以谋破局。(蓝鲸保险 李丹萍 关会杰)

jin ri, lan jing bao xian zhu yi dao, li bao bao xian you xian gong si yi xia jian cheng" li bao bao xian" ni jin xing nian nei di 3 ci zeng zi, shi shi shang, 2011 nian yi lai, li bao bao xian bao chi zhe" xiao er fan" de zeng zi su du, gu dong pin pin shi yuan bei hou, shi qi chang nian kui sun chang fu neng li zhu qi xia hua de" jiong jing". shi shi shang, li bao bao xian zhu da che xian ye wu, ju gao de zong he cheng ben lv, shi de qi xian yu che xian ye wu kui sun de" ni tan", dui ci, zhuan jia biao shi, yi fang mian ke shou gou cheng shu de bao xian zhong jie gong si, tong guo zi you qu dao zhan ye, ya suo cheng ben, ling yi fang mian ye ke chang shi fei che xian ye wu, yun yong gu dong you shi, zai fen bao zai bao ye wu fang mian fa li. nian nei 3 ci zeng zi, li bao bao xian mu gong si pin chu shou" fu chi" jin ri, li bao bao xian gong gao biao shi, ni zeng zi 1. 2 yi yuan ren min bi, jiang qi tou zi zong e ji zhu ce zi jin cong 17. 26 yi yuan bian geng wei 18. 46 yi yuan, shi shi shang, zhe ye shi 2018 nian yi lai, li bao bao xian ni jin xing de di 3 ci zeng zi, 7 yue 17 ri 8 yue 22 ri, yin bao jian hui fen bie pi fu tong yi li bao bao xian zeng zi 0. 4 yi yuan 1. 25 yi yuan. zhi de guan zhu de shi, lan jing bao xian shu li fa xian, li bao bao xian guan wang gong kai xin xi xian shi, 2011 nian zhi jin, li bao bao xian yi 14 ci tiao zheng zhu ce zi ben, zhu ce zi ben you jiao zao qi de 3. 55 yi yuan zeng jia zhi mu qian de 17. 26 yi yuan, xi hua lai kan, 2011 nian 2012 nian, li bao bao xian jun liang ci shang diao zhu ce zi ben, ci hou wei jian duan, 2017 nian shao you zan huan, 2018 nian ze zai xian zeng zi dong zuo. cong zeng zi jin e lai kan, zai 0. 4 yi zhi 1. 25 yi zhi jian bu deng, yu bu fen xian qi dong zhe chao 10 yi de zi jin xiang bi, ti liang xiang dui jiao xiao, dan li bao bao xian wei he pin fan bu chong zhu ce zi ben ne? dui ci, lan jing bao xian cai fang dao li bao bao xian xiang guan fu ze ren, qi hui ying cheng, zeng zi ji hua zhu yao shi wei man zu gong si ye wu fa zhan xu yao," tong guo chi xu zeng zi, zeng qiang li bao bao xian de zi ben shi li chang fu neng li kang feng xian neng li deng zong he jing zheng li, zhi chi ye wu fa zhan". shi shi shang, li bao bao xian shi wai zi xian qi zhong de lao mian kong, wei li bao hu zhu bao xian ji tuan yi xia jian cheng" li bao xiang hu" de quan zi zi gong si, 2003 nian, li bao xiang hu zai chong qing she li fen gong si, 2007 nian sheng ji wei quan zi zi gong si, bing zheng shi geng ming wei li bao bao xian, 2009 nian kai shi, li bao bao xian xiang ji zai bei jing zhe jiang deng duo di cheng li fen zhi ji gou, kuo da ye wu bu ju. ju liao jie, zhong guo shi chang shi li bao xiang hu zai quan qiu de zhong yao ye wu qu yu zhi yi," zhu dong dui li bao bao xian chi xu zeng zi, ti xian le li bao xiang hu tuo zhan zhong guo qu ye wu shen geng zhong guo shi chang de zhan lue yi tu, yi ji dui li bao bao xian shi xian ying li xing zeng zhang de xin xin", li bao bao xian dui lan jing bao xian biao shi. ran er, shi ru fa zhan" kuai che dao" de li bao bao xian, yi fang mian sui zhe ye wu gui mo de kuo da, bao fei shou ru" shui zhang chuan gao", ling yi fang mian, ze shi chang nian chu yu kui sun" jiong jing". shu ju xian shi, 2009 nian zhi 2017 nian, li bao bao xian jun chu yu kui sun zhi zhong, 2018 nian qian 3 ji du, jing kui sun 0. 56 yi yuan. chu chi xu kui sun wai, li bao bao xian ye mian lin zhe chang fu neng li xia hua de ju mian. 2016 nian 1 ji du zhi 2018 nian 2 ji du, li bao bao xian he xin chang fu neng li chong zu lv zhu qi xia xing, cong 319 xia xing zhi 104. yi bian shi zhan ye dui zi ben de xiao hao, dao zhi chang fu neng li chong zu lv xia hua, yi bian shi chi xu kui sun, wu fa yi li run tian bu, li bao bao xian de wai zi gu dong bu de bu pin pin shen chu yuan shou." pin fan zeng zi de xing wei, huo shuo ming li bao bao xian dui mu gong si you jiao qiang de yi lai xing", jing ji xue jia song qing hui dui lan jing bao xian fen xi cheng, zai qi kan lai, li bao bao xian duo nian lai kao mu gong si chi xu zhu zi, huo wei pei yu du li xing. che xian ye wu xian" liang nan", fei che ye wu huo ke mou shi shi shang, li bao xiang hu chu liao bu duan xiang li bao bao xian zeng zi, ti sheng shi li yi qi niu kui wai, ye zeng dong guo bian geng wai zi du zi xian qi shen fen de" xin si"." ruo bian wei zhong wai he zi xian qi, huo you zhu yu da ru guo nei shi chang, jin zao shi xian ben tu hua jing ying", song qing hui zhi chu. 2016 nian 8 yue 16 ri, li bao xiang hu yu san bao ji tuan you xian gong si yi xia jian cheng" san bao ji tuan" qian shu he zi jing ying he tong ji gu quan zhuan rang xie yi deng jiao yi wen jian, qian zhe xiang san bao ji tuan zhuan rang li bao bao xian de 51 gu quan, cheng li he zi qi ye, dan zhe yi ji hua bing wei ru qi tui jin, 2017 nian 8 yue zhong xun ji 11 yue zhong xun, li bao xiang hu san bao ji tuan fen bie zhong zhi le ci qian de jiao yi xie yi." tuo shou wei cheng", yi wei jiao wei shu xi li bao bao xian de ye nei ren shi dui lan jing bao xian fen xi cheng, bu shao wai zi xian qi yu tong guo bian geng shen fen tie jin dang di shi chang, dan san bao ji tuan you shi huo bing bu ming xian. zhuan huan shen fen wei cheng de li bao bao xian bu de bu zhao jiu zeng zi, yu zhong zhi gu dong bian geng xie yi yi tong pi lu de, ji wei yi feng zeng zi gong gao. na me, wei he wai zi gu dong bei jing xiong hou de li bao bao xian, duo nian lai zai zhong guo shi chang" shui tu bu fu"? lan jing bao xian shu li fa xian, ye wu jie gou xian shi, li bao bao xian yu da bu fen cai xian gong si ye wu jie gou mo shi xiang si, zhu da che xian ye wu, 2009 nian zhi 2015 nian, gai ye wu zhan bao xian ye wu shou ru de bi zhong zai 8 cheng zuo you, 2016 nian ji 2017 nian, ye wu zhan bi xia hua zhi 69. 78 64. 06." zhong xiao xian qi che xian ye wu cheng ben dou zai 10 yi shang, bao kuo ji gou she zhi ren yuan pei zhi cheng ben deng, bu zhan ye, gu ding cheng ben gao, ruo zhan ye, you mian lin jiao gao de zhong jie shou xu fei, li bao bao xian zheng shi xian ru ci zhong' kun ju'", shang shu ye nei ren shi jin yi bu bu chong dao," huo ke chang shi suo che xian, qiang fei che, zuo fen bao zai bao ye wu"." dan bu guan shen me xian zhong, dou xu yao yi ding de gui mo, cai neng ba gu ding cheng ben jun tan diao", shang hai dui wai jing mao da xue bao xian xi zhu ren guo zhen hua zhi chu, mu qian fei che xian ye wu ye duo shi chuan tong ye wu," chu fei yi kao gu dong zi yuan, huo zhe you xin ji shu ke yi yun yong". bu nan fa xian, jin liang nian, li bao bao xian che xian ye wu zhan bi yi you suo jian, shi fou cun zai" qu che xian" hua qu shi?" jie xia lai, li bao bao xian jiang dui ye wu an zhao feng xian xi fen ke hu xi fen deng yuan ze, dui xiao shou zi yuan jin xing cha yi hua pei zhi, ti sheng zi yuan shi yong xiao lv, ji gou kai she fang mian, zai xian you sheng ji fen gong si de ji chu jia gou shang, wa jue xian you shi chang kong jian", li bao bao xian dui lan jing bao xian biao ming xia yi jie duan gong si zhan lue fang xiang, dan bing wei dui ye wu jie gou zuo chu hui ying, ci wai, shu ju xian shi, 2014 nian zhi jin, li bao bao xian lei ji zeng she 46 ge fen zhi ji gou." xian zai zao yi guo le kao kai she fen zhi ji gou lai shi xian ye wu zeng zhang de shi duan, bu neng mang mu kao shu liang qu sheng", shang shu ye nei ren shi fen xi cheng," wai zi cai xian gong si ke yi chang shi shou gou bao xian zhong jie gong si, kong gu hou ran hou zuo zi ying ye wu", qi zhi chu, mu qian bu shao bao xian zhong jie gong si ye wu neng li jiao qiang, ye you cheng shu tuan dui, zai ye wu zheng ce de ci ji xia, huo neng shi xian ke guan de ye wu zeng zhang." shang wei da dao ben tu hua, ying xiang wai zi xian qi ye wu fa zhan", song qing hui zhi chu, hai xu duo li yong mu gong si ji shu he jing ying li nian de you shi, yi mou po ju. lan jing bao xian li dan ping guan hui jie

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中国警方成功从巴西引渡一名潜逃近十年的涉黑犯罪主要嫌疑人

    

新华社北京8月17日电(记者熊丰)17日4时许,在外交部、我驻巴西使馆和驻圣保罗总领馆的大力支持与协助手机检测不到电池电压_资讯网下,公安部工作组从巴西圣保罗将潜逃近十年的涉黑犯罪嫌疑人黄某引渡回国,这是巴手机京东怎么上夺宝岛_资讯网西首次向我国引渡犯罪嫌疑人。

据了解,犯罪嫌疑人黄某自2009年以来,先后网罗多名有违法犯罪前科人员和社会闲散人员,在福建省南安市有组织地实施开设赌场、非法拘禁、寻衅滋事、敲诈勒索等违法犯罪行为,逐渐形成了以黄某为首的黑社会性质组织,攫取了大量非法利益,手机卡为什么不是4g_资讯网严重扰乱了当地的社会秩序。2010年8月,南安市公安机关经过缜密侦查,一举捣毁手机拼音键盘怎么变小_资讯网该黑社会性质组织,抓获犯罪嫌疑人10余名,组织头目黄某潜逃巴西。

为将黄某缉捕归案,公安部先后四次派出工作组赴巴西开展执法合手机上怎么批量删除微博_资讯网作,积极推动巴西司法部门开展有关工作,并通过国际刑警组织对黄某发布了红色通报。2018年8月,巴西警方在圣保罗市将黄某抓获。黄某落网后,根据中国有关法律和《中华人民共和国和巴西联邦共和国引渡条约》规定,中国警方迅速向巴方提出引渡请求,并在外交部和我驻巴使领馆的大力协助下,全力推动引渡工作。今年6月,巴西联邦最高法院判决同意将黄某引渡回中国,8月17日,黄某被公安部工作组押解回国。

公安部有关负责人表示,近年来,中国公安机关不断加大国际警务合作力度,一批潜逃境外的犯罪嫌疑人被缉捕引渡回国。此次将黄某引渡回国,充分彰显了中国公安机关严厉打击黑恶犯罪、强力缉捕在逃人员的坚定决心,有力震慑了外逃犯罪嫌疑人。下一步,公安机关将按照扫黑除恶专项斗争总体部署和“云剑”行动具陌陌绑定微信解除手机绑定_资讯网体要求,不断深化国际警务执法合作,持续加大工作力度,全力将潜逃境外的犯罪嫌疑人缉捕归案。

    

    

    

    

(责任编辑: HN666)

    

    

    

    

    

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