2014年五大行险企的盈利.docxVIP

商学院课程论文（报告）题目：2014年五大行旗下险企盈利模式分析Title：Analysis of the profit model of the subsidiary insurance business in the Five major state-owned Banks课程名称学年论文年级专业2012级保险学生姓名陈奇奇学号120142563指导教师茆训诚完成日期 2015年4月摘 要尽管靠着国家投资股东响当当的背景，五大国有银行子公司业务拓展路上一直顺风顺水，但其保险业务开展得则稍显疲弱，这一点在以寿险为主的工行、农行、交行和建行四家银行的寿险子公司中体现得尤为明显。不过，这一情况在去年得到了大幅改善，四家银行系寿险公司在2014年度已全部盈利，基本实现银保混业经营的盈利局面。虽然银行系寿险公司净利润全部为正数，但盈利幅度却难言优秀。除建信人寿外，其余三家寿险公司实现净利润均未超过1亿元，其中，交银康联更是勉强，该公司去年实现净利润只有区区五百多万元。国有五大行年报显示，作为唯一一家经营内地财产保险业务的公司，中银保险的成绩明显要优于其它四家主营寿险的公司。截至2014年年末，中银保险资产总额为120.24亿元，净资产为48.88亿元。2014年，中银保险共实现保费收入53.25亿元，实现净利润4.84亿元，净利润同比增长26.70%。此外，中银保险去年也在创新业务渠道,良好的盈利模式使得中银保险的盈利是最为可观的。关键词：银行系险企；混业经营；盈利模式AbstractAlthough relied on big background by national investment shareholders, the Fivemajor state-owned Banks subsidiary business development has been well on the road. But its insurance business is a bit weak, it can be showed obviously in life insurance subsidiary, which is mainly composed of life insurance in ICBC, ABC, BCM and CCB. However, the situation has been significantly improved over the past year, four Banks ininsurance company has full profit in 2014, we have implemented the mixed management of Banks and insurance basicallyprofit.Though Banks in insurance company have positive net profit, the extent of profit is hardly good. In addition to the Jianxin life insurance, the rest three life insurance companies have not been a net profit of more than 100 million yuan,among them, the bank of CMG is more narrowly, the company net profit last year was only five hundred ten thousand yuan. State five annual report showed that BOCG insurance had performed obviously superior to other four main of life insurance companiesas the only company that operated the property insurance business.By the end of 2014, BOCG insurance has had total assets of 12.024 billion yuan and net assets of 48.88 billion yuan. In the year of 2014, BOCG insurance implemented total premium income of 5.325 billion yuan and net profit income of 4.84 billion yuan