據統(tong)計，目前(qian)A類(lei)公司87家，占(zhan)比57%；B類(lei)公司62家，占(zhan)比40.8%；C類(lei)公司1家，D類(lei)公司2家。

按照監管規(gui)定，風(feng)險(xian)評(ping)級(ji)為(wei)C類(lei)或D類(lei)為(wei)不(bu)達(da)標(biao)險(xian)企。從2家D類(lei)公(gong)司來(lai)看，長安責任由于此前踩(cai)雷(lei)P2P業務，導致償(chang)付能力下滑，風(feng)險(xian)評(ping)級(ji)降至D；中法人(ren)壽由于資(zi)本金遲(chi)遲(chi)得不(bu)到補充，償(chang)付能力也(ye)出現大幅下滑，風(feng)險(xian)評(ping)級(ji)已連(lian)續多年為(wei)D。

僅兩家公司風險評級為D

風(feng)(feng)(feng)(feng)險(xian)綜(zong)合評(ping)級(ji)(ji)結果可以綜(zong)合反映保險(xian)公(gong)司(si)(si)抵御風(feng)(feng)(feng)(feng)險(xian)的整(zheng)體狀況(kuang)。根據(ju)《保險(xian)公(gong)司(si)(si)償(chang)付能(neng)力(li)監(jian)(jian)管規則第10號：風(feng)(feng)(feng)(feng)險(xian)綜(zong)合評(ping)級(ji)(ji)（分類(lei)(lei)監(jian)(jian)管）》，銀(yin)保監(jian)(jian)會每季(ji)度綜(zong)合分析、評(ping)價(jia)保險(xian)公(gong)司(si)(si)的相關風(feng)(feng)(feng)(feng)險(xian)，根據(ju)保險(xian)公(gong)司(si)(si)償(chang)付能(neng)力(li)充足率(lv)、操(cao)作風(feng)(feng)(feng)(feng)險(xian)、戰略風(feng)(feng)(feng)(feng)險(xian)、聲譽風(feng)(feng)(feng)(feng)險(xian)、流(liu)動性風(feng)(feng)(feng)(feng)險(xian)等(deng)監(jian)(jian)測指(zhi)標數據(ju)，將保險(xian)公(gong)司(si)(si)評(ping)定(ding)為A、B、C、D四類(lei)(lei)監(jian)(jian)管類(lei)(lei)別，并根據(ju)不同(tong)的分類(lei)(lei)情況(kuang)，實施不同(tong)的監(jian)(jian)管措(cuo)施。其中，評(ping)級(ji)(ji)A類(lei)(lei)的公(gong)司(si)(si)被認為綜(zong)合風(feng)(feng)(feng)(feng)險(xian)最低。

從兩家D類公(gong)司來看，長安責(ze)任(ren)保險在償(chang)付能力(li)報(bao)告中提(ti)到，2018年四季度(du)(du)、2019年一季度(du)(du)公(gong)司核(he)心(xin)償(chang)付能力(li)充足(zu)率和綜合償(chang)付能力(li)充足(zu)率均不達標，可資(zi)本化風(feng)險評價(jia)得(de)0分，導致公(gong)司風(feng)險綜合評級的結(jie)果為D。

A類公司占比約六成

除3家(jia)險企不達標之外(wai)，2019年以來絕大多數險企監管風(feng)險評級(ji)為A類(lei)和B類(lei)，占比(bi)分(fen)別為57%、40.8%。

具體來看，監管最新風(feng)險(xian)評級為A類(lei)的壽(shou)(shou)(shou)(shou)險(xian)公司(si)共34家(jia)，包(bao)括交銀康聯、泰康人(ren)(ren)(ren)(ren)(ren)(ren)壽(shou)(shou)(shou)(shou)、國聯人(ren)(ren)(ren)(ren)(ren)(ren)壽(shou)(shou)(shou)(shou)、工銀安盛(sheng)、愛心人(ren)(ren)(ren)(ren)(ren)(ren)壽(shou)(shou)(shou)(shou)、建(jian)信人(ren)(ren)(ren)(ren)(ren)(ren)壽(shou)(shou)(shou)(shou)、招商信諾等；B類(lei)壽(shou)(shou)(shou)(shou)險(xian)公司(si)共32家(jia)，包(bao)括東吳人(ren)(ren)(ren)(ren)(ren)(ren)壽(shou)(shou)(shou)(shou)、君龍人(ren)(ren)(ren)(ren)(ren)(ren)壽(shou)(shou)(shou)(shou)、長生人(ren)(ren)(ren)(ren)(ren)(ren)壽(shou)(shou)(shou)(shou)、華(hua)貴人(ren)(ren)(ren)(ren)(ren)(ren)壽(shou)(shou)(shou)(shou)、瑞泰人(ren)(ren)(ren)(ren)(ren)(ren)壽(shou)(shou)(shou)(shou)、長城人(ren)(ren)(ren)(ren)(ren)(ren)壽(shou)(shou)(shou)(shou)等。

監(jian)管最(zui)新風險(xian)(xian)(xian)(xian)評級為A類(lei)的(de)財(cai)(cai)險(xian)(xian)(xian)(xian)公(gong)(gong)司共(gong)47家(jia)，數量超過同(tong)類(lei)壽(shou)險(xian)(xian)(xian)(xian)公(gong)(gong)司，具(ju)體包括泰(tai)山財(cai)(cai)險(xian)(xian)(xian)(xian)、三井住(zhu)友、華泰(tai)財(cai)(cai)險(xian)(xian)(xian)(xian)、中銀保險(xian)(xian)(xian)(xian)、眾誠保險(xian)(xian)(xian)(xian)等；B類(lei)財(cai)(cai)險(xian)(xian)(xian)(xian)公(gong)(gong)司29家(jia)，包括利寶保險(xian)(xian)(xian)(xian)、誠泰(tai)財(cai)(cai)險(xian)(xian)(xian)(xian)、國泰(tai)財(cai)(cai)險(xian)(xian)(xian)(xian)、亞太財(cai)(cai)險(xian)(xian)(xian)(xian)、都邦財(cai)(cai)險(xian)(xian)(xian)(xian)、信利保險(xian)(xian)(xian)(xian)等。

此外，7家再(zai)保險(xian)公司(si)中(zhong)，有6家再(zai)保險(xian)公司(si)被評為A類，1家再(zai)保險(xian)公司(si)被評為B類。

2019年(nian)6月份(fen)，中國(guo)銀保(bao)監(jian)會召開償付(fu)能(neng)力監(jian)管委員會工(gong)作會議披(pi)露的(de)(de)償付(fu)能(neng)力數據(ju)顯示，2019年(nian)一(yi)季度末，財產(chan)險(xian)公(gong)(gong)(gong)司、人身險(xian)公(gong)(gong)(gong)司、再保(bao)險(xian)公(gong)(gong)(gong)司的(de)(de)綜合(he)償付(fu)能(neng)力充(chong)足率分(fen)別為(wei)271.8%、238.3%和(he)335.7%，104家(jia)保(bao)險(xian)公(gong)(gong)(gong)司在風(feng)險(xian)綜合(he)評級中被評為(wei)A類(lei)(lei)公(gong)(gong)(gong)司，70家(jia)被評為(wei)B類(lei)(lei)公(gong)(gong)(gong)司，1家(jia)被評為(wei)C類(lei)(lei)公(gong)(gong)(gong)司，2家(jia)被評為(wei)D類(lei)(lei)公(gong)(gong)(gong)司。對(dui)比來(lai)看，二季度末A類(lei)(lei)、B類(lei)(lei)、C類(lei)(lei)公(gong)(gong)(gong)司占比與一(yi)季度末基本(ben)一(yi)致。

銀保(bao)(bao)監會(hui)指(zhi)出，經(jing)過多(duo)措(cuo)并舉、集中治理，保(bao)(bao)險業轉型發(fa)展(zhan)取得積(ji)極成效，保(bao)(bao)險保(bao)(bao)障功能增強，保(bao)(bao)險業風險總(zong)體可控。當前外部經(jing)濟(ji)環境(jing)總(zong)體趨緊，國內經(jing)濟(ji)存在(zai)下行壓力(li)，保(bao)(bao)險業要保(bao)(bao)持定力(li)，在(zai)穩增長的基礎(chu)上防控風險，不斷提升保(bao)(bao)險業服務(wu)實體經(jing)濟(ji)的質(zhi)效。