據統計，目前A類(lei)(lei)公(gong)司87家(jia)，占比57%；B類(lei)(lei)公(gong)司62家(jia)，占比40.8%；C類(lei)(lei)公(gong)司1家(jia)，D類(lei)(lei)公(gong)司2家(jia)。

按照監管規(gui)定，風險(xian)(xian)評級為C類(lei)(lei)或(huo)D類(lei)(lei)為不達標險(xian)(xian)企。從2家D類(lei)(lei)公司來(lai)看，長安責任由(you)于此前踩雷P2P業務，導致償付能力下滑，風險(xian)(xian)評級降至D；中法人壽由(you)于資(zi)本金遲(chi)遲(chi)得不到補充，償付能力也出現大(da)幅下滑，風險(xian)(xian)評級已連續多年(nian)為D。

僅兩家公司風險評級為D

風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)綜合評級(ji)(ji)結果可(ke)以綜合反映保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)抵御風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)的整(zheng)體狀況。根(gen)據《保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)償付能(neng)力監管規則第10號(hao)：風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)綜合評級(ji)(ji)（分(fen)(fen)類(lei)監管）》，銀保(bao)(bao)(bao)監會每季度綜合分(fen)(fen)析、評價保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)的相關風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)，根(gen)據保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)償付能(neng)力充(chong)足率、操作風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)、戰(zhan)略風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)、聲譽風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)、流動性風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)等監測指(zhi)標(biao)數據，將保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)評定為A、B、C、D四類(lei)監管類(lei)別，并根(gen)據不同的分(fen)(fen)類(lei)情況，實施(shi)不同的監管措施(shi)。其中，評級(ji)(ji)A類(lei)的公(gong)(gong)司(si)(si)(si)被認(ren)為綜合風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)最(zui)低。

從兩家D類公(gong)司(si)(si)來看，長(chang)安責任保險在償付(fu)(fu)能(neng)力報(bao)告(gao)中提到，2018年四季度(du)、2019年一季度(du)公(gong)司(si)(si)核(he)心償付(fu)(fu)能(neng)力充(chong)足率和綜合(he)償付(fu)(fu)能(neng)力充(chong)足率均(jun)不達標，可資本化風(feng)險評價(jia)得0分，導致公(gong)司(si)(si)風(feng)險綜合(he)評級(ji)的結果為D。

A類公司占比約六成

除3家險(xian)(xian)企不(bu)達標(biao)之(zhi)外，2019年以來絕大多數險(xian)(xian)企監管風險(xian)(xian)評級為A類(lei)和B類(lei)，占比分別為57%、40.8%。

具體來看，監(jian)管最(zui)新(xin)風險(xian)評(ping)級為A類的(de)壽(shou)(shou)(shou)險(xian)公司共(gong)34家(jia)，包(bao)括(kuo)交銀康(kang)聯、泰康(kang)人(ren)(ren)(ren)壽(shou)(shou)(shou)、國(guo)聯人(ren)(ren)(ren)壽(shou)(shou)(shou)、工銀安盛、愛心人(ren)(ren)(ren)壽(shou)(shou)(shou)、建信人(ren)(ren)(ren)壽(shou)(shou)(shou)、招(zhao)商信諾(nuo)等(deng)；B類壽(shou)(shou)(shou)險(xian)公司共(gong)32家(jia)，包(bao)括(kuo)東吳(wu)人(ren)(ren)(ren)壽(shou)(shou)(shou)、君龍人(ren)(ren)(ren)壽(shou)(shou)(shou)、長生人(ren)(ren)(ren)壽(shou)(shou)(shou)、華貴(gui)人(ren)(ren)(ren)壽(shou)(shou)(shou)、瑞(rui)泰人(ren)(ren)(ren)壽(shou)(shou)(shou)、長城人(ren)(ren)(ren)壽(shou)(shou)(shou)等(deng)。

監管最新風險(xian)(xian)評(ping)級為A類(lei)的(de)財(cai)險(xian)(xian)公(gong)司(si)共47家，數量(liang)超過(guo)同(tong)類(lei)壽險(xian)(xian)公(gong)司(si)，具體包括(kuo)泰山財(cai)險(xian)(xian)、三井(jing)住(zhu)友、華泰財(cai)險(xian)(xian)、中(zhong)銀保(bao)險(xian)(xian)、眾(zhong)誠保(bao)險(xian)(xian)等；B類(lei)財(cai)險(xian)(xian)公(gong)司(si)29家，包括(kuo)利寶保(bao)險(xian)(xian)、誠泰財(cai)險(xian)(xian)、國(guo)泰財(cai)險(xian)(xian)、亞太財(cai)險(xian)(xian)、都邦財(cai)險(xian)(xian)、信利保(bao)險(xian)(xian)等。

此外，7家(jia)(jia)再保險公(gong)(gong)司中，有(you)6家(jia)(jia)再保險公(gong)(gong)司被評(ping)(ping)為A類，1家(jia)(jia)再保險公(gong)(gong)司被評(ping)(ping)為B類。

2019年6月份，中(zhong)國(guo)銀保(bao)監(jian)會召開償付(fu)能(neng)(neng)力(li)監(jian)管委員會工作會議(yi)披露的償付(fu)能(neng)(neng)力(li)數(shu)據顯示，2019年一(yi)季(ji)度末(mo)，財產(chan)險(xian)(xian)公(gong)(gong)司、人身險(xian)(xian)公(gong)(gong)司、再保(bao)險(xian)(xian)公(gong)(gong)司的綜(zong)合償付(fu)能(neng)(neng)力(li)充足率分別為(wei)271.8%、238.3%和335.7%，104家保(bao)險(xian)(xian)公(gong)(gong)司在風險(xian)(xian)綜(zong)合評(ping)級中(zhong)被評(ping)為(wei)A類(lei)(lei)(lei)公(gong)(gong)司，70家被評(ping)為(wei)B類(lei)(lei)(lei)公(gong)(gong)司，1家被評(ping)為(wei)C類(lei)(lei)(lei)公(gong)(gong)司，2家被評(ping)為(wei)D類(lei)(lei)(lei)公(gong)(gong)司。對比來看，二季(ji)度末(mo)A類(lei)(lei)(lei)、B類(lei)(lei)(lei)、C類(lei)(lei)(lei)公(gong)(gong)司占比與一(yi)季(ji)度末(mo)基(ji)本一(yi)致。

銀保(bao)(bao)監會(hui)指出(chu)，經過多(duo)措并舉(ju)、集中治理，保(bao)(bao)險業(ye)(ye)轉型(xing)發展取(qu)得(de)積極成效(xiao)，保(bao)(bao)險保(bao)(bao)障(zhang)功能增(zeng)強，保(bao)(bao)險業(ye)(ye)風(feng)險總體(ti)可(ke)控。當(dang)前外部經濟環境總體(ti)趨緊(jin)，國內經濟存在(zai)下(xia)行壓力，保(bao)(bao)險業(ye)(ye)要保(bao)(bao)持(chi)定(ding)力，在(zai)穩增(zeng)長的基礎上防控風(feng)險，不斷提升(sheng)保(bao)(bao)險業(ye)(ye)服務實體(ti)經濟的質效(xiao)。