2009年，中国保险行业收入首次突破1万亿元，达到11137.3亿元，同比增长13.8%。财产险业务继续保持较快增长，保费收入2875.8亿元，同比增长23.1%。人身险业务保费收入8261.5亿元，在上年增速较高的基础上同比增长10.9%。全年赔付3125.5亿元。

　　截至2009年底，偿付能力不达标的保险公司8家，比年初减少5家，不达标公司的偿付能力关键指标较年初有明显改善。人身险公司退保率3.54%，退保情况总体稳定。保险公司现金流保持充裕。

　　保险行业的结构调整取得积极进展。从财产险看，农业险、信用险、工程险等非车险业务分别同比增长21%、91.3%和31.6%；非寿险投资型产品投资金余额506.4亿元，较上年末减少426.5亿元。

　　保险公司利润总额达到530.6亿元。财产险公司扭亏为盈，实现利润35.1亿元。人身险公司实现利润434.6亿元，业务价值显著提升。全行业实现投资收益2141.7亿元，收益率6.41%，比上年提高4.5个百分点，共有22家保险公司的资金运用收益率超过8%。

　　截至2009年底，保险公司总资产突破4万亿元，达到4.1万亿元。净资产3904.6亿元，比上年末增加1097.4亿元。保险资金运用余额3.7万亿元。保险公司改革稳步推进，中国太平洋保险集团在香港发行H股。商业银行投资保险公司试点启动。

图：2008-2009年中国保险行业收入月度数据及走势图（单位：十亿元）
 
来源：保监会，水清木华研究中心

图：2008-2009年北京保费收入月度数据及走势图（单位：十亿元）
 
来源：WIND，水清木华研究中心

　　本报告依据中国保监会发布的统计数据，主要针对2009年中国保险行业整体运营、地区发展、以及主要险种收入等几个方面，进行加工处理得到180多个细分数据图表。以期为相关研究机构及投资机构提供详细直观的趋势图，对中国保险行业做出深刻理解和准确判断。

The revenue of China’s insurance industry achieved 13.8% year-on-year growth to RMB1.11 trillion in 2009, exceeding RMB1 trillion for the first time. Property insurance business continued to remain leapfrog growth, with premium income 23.1% growth year-on-year to RMB 287.58 billion. As for personal insurance business, the premium income was RMB826.15 billion, with year-on-year growth of 10.9%. As a whole, the year-round payment of China’s insurance industry reached RMB 312.55 billion in 2009.

As of the end of 2009, there were eight insurance companies whose solvency didn’t measure up, a decrease of five in number. Nevertheless, key indicators of the eight companies showed positive improvement from the early 2009. The surrender rate of personal insurance companies was 3.54% and remained a moderate momentum. Overall, the cash flow of the insurance companies remains fairly strong.

The structural adjustment in the insurance industry has made productive achievement. Taking property insurance as an example, non-auto insurance business such as agricultural insurance, credit insurance, engineering insurance showed a year-on-year growth of 21%, 91.3% and 31.6% respectively; the investment surplus of nonlife insurance products was RMB50.64 billion, a drop of RMB 42.65 billion over the end of 2008.

The total profit of insurance companies hit RMB53.06 billion. As for the property insurance companies, they achieved profits of RMB3.51 billion in total, turning from loss to profit. Besides, the life insurance companies achieved profits of RMB43.46 billion, bringing a remarkable business value boost. The entire industry realized investment income of RMB214.17 billion, with the rate of return at 6.41% or an increase of 4.5 percentage points over the previous year. There were a total of 22 insurance companies of which the capital return rate exceeded 8%.

By the end of 2009, the total assets of insurance companies surpassed RMB 4 trillion and reached RMB4.1 trillion. And the net asset was RMB390.46 billion, an increase of RMB109.74 billion from the end of 2008. The balance of insurance fund utilization was RMB3.7 trillion. Reform in insurance industry was pushing forward steadily. In particular, China Pacific Insurance issued H stocks in Hong Kong; the CBRC issued the pilot administrative measures for commercial banks to make equity investment in insurance companies.

Monthly Revenue of China’s Insurance Industry, 2008-2009 (Unit: RMB Billion)
 
Source: China Insurance Regulatory Commission, ResearchInChina

Beijing Premium Income (by Months), 2008-2009 (Unit: RMB Billion)
 
Source: WIND, ResearchInChina

Through over 180 subdivided charts and tables, the report highlights the overall operation, regional development and the revenue of major insurance classifications by region and nationwide in China's insurance industry,  in a bid to help related institutions and investors with a profound understanding of China insurance industry and make right decisions.

第一章 中国保险行业整体运营状况

第二章 各地区保费整体收入统计

第三章 各地区细分险种收入统计
3.1 各地区财险收入统计
3.2 各地区寿险收入统计
3.3 各地区意外险收入统计
3.4 各地区健康险收入统计

1. Operation of China’s Insurance Industry

2. Premium Income by Region

3. Revenue of Insurance Classifications
3.1 Property Insurance Revenue (by Region)
3.2 Life Insurance Revenue (by Region)
3.3 Accident Insurance Revenue (by Region)
3.4 Health Insurance Revenue (by Region)