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

按(an)照監管規定(ding)，風(feng)(feng)險(xian)(xian)評(ping)級為C類(lei)或(huo)D類(lei)為不達標險(xian)(xian)企。從2家D類(lei)公司來看，長安責任由于此(ci)前踩雷(lei)P2P業務，導致償(chang)付(fu)能力下(xia)滑，風(feng)(feng)險(xian)(xian)評(ping)級降至D；中法人壽由于資(zi)本金遲遲得不到補(bu)充，償(chang)付(fu)能力也出現大幅(fu)下(xia)滑，風(feng)(feng)險(xian)(xian)評(ping)級已連續多年為D。

僅兩家公司風險評級為D

風(feng)險(xian)綜(zong)(zong)合評級結果可(ke)以綜(zong)(zong)合反映保(bao)險(xian)公司抵御(yu)風(feng)險(xian)的(de)整體(ti)狀況。根(gen)據(ju)《保(bao)險(xian)公司償付能(neng)力(li)監(jian)(jian)管(guan)規(gui)則第10號(hao)：風(feng)險(xian)綜(zong)(zong)合評級（分(fen)(fen)類(lei)監(jian)(jian)管(guan)）》，銀保(bao)監(jian)(jian)會每(mei)季度綜(zong)(zong)合分(fen)(fen)析、評價保(bao)險(xian)公司的(de)相關風(feng)險(xian)，根(gen)據(ju)保(bao)險(xian)公司償付能(neng)力(li)充足率、操(cao)作風(feng)險(xian)、戰略(lve)風(feng)險(xian)、聲譽風(feng)險(xian)、流動性風(feng)險(xian)等監(jian)(jian)測(ce)指標數據(ju)，將保(bao)險(xian)公司評定(ding)為(wei)(wei)A、B、C、D四(si)類(lei)監(jian)(jian)管(guan)類(lei)別，并(bing)根(gen)據(ju)不同的(de)分(fen)(fen)類(lei)情況，實施(shi)不同的(de)監(jian)(jian)管(guan)措施(shi)。其(qi)中，評級A類(lei)的(de)公司被認為(wei)(wei)綜(zong)(zong)合風(feng)險(xian)最低。

從(cong)兩家D類(lei)公(gong)司來看，長安責任保險在(zai)償付能(neng)力報告中提到，2018年四(si)季度(du)、2019年一季度(du)公(gong)司核心(xin)償付能(neng)力充(chong)足率(lv)(lv)和(he)綜合償付能(neng)力充(chong)足率(lv)(lv)均(jun)不達(da)標(biao)，可(ke)資本化(hua)風險評價得0分，導致公(gong)司風險綜合評級的結果為D。

A類公司占比約六成

除(chu)3家(jia)險(xian)企不(bu)達標(biao)之(zhi)外，2019年(nian)以(yi)來絕大多數(shu)險(xian)企監管風險(xian)評級(ji)為(wei)A類和(he)B類，占比分別為(wei)57%、40.8%。

具體(ti)來看，監管最新風險評級(ji)為A類的壽(shou)(shou)(shou)(shou)(shou)(shou)險公(gong)司(si)共(gong)34家，包括交(jiao)銀(yin)(yin)康聯、泰(tai)康人(ren)(ren)(ren)壽(shou)(shou)(shou)(shou)(shou)(shou)、國聯人(ren)(ren)(ren)壽(shou)(shou)(shou)(shou)(shou)(shou)、工銀(yin)(yin)安盛、愛心人(ren)(ren)(ren)壽(shou)(shou)(shou)(shou)(shou)(shou)、建信(xin)人(ren)(ren)(ren)壽(shou)(shou)(shou)(shou)(shou)(shou)、招(zhao)商信(xin)諾等(deng)；B類壽(shou)(shou)(shou)(shou)(shou)(shou)險公(gong)司(si)共(gong)32家，包括東吳人(ren)(ren)(ren)壽(shou)(shou)(shou)(shou)(shou)(shou)、君龍人(ren)(ren)(ren)壽(shou)(shou)(shou)(shou)(shou)(shou)、長生人(ren)(ren)(ren)壽(shou)(shou)(shou)(shou)(shou)(shou)、華貴人(ren)(ren)(ren)壽(shou)(shou)(shou)(shou)(shou)(shou)、瑞泰(tai)人(ren)(ren)(ren)壽(shou)(shou)(shou)(shou)(shou)(shou)、長城人(ren)(ren)(ren)壽(shou)(shou)(shou)(shou)(shou)(shou)等(deng)。

監管最(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)司(si)共47家，數量超過同類(lei)壽險(xian)(xian)(xian)(xian)公(gong)司(si)，具體(ti)包括泰(tai)山財(cai)(cai)險(xian)(xian)(xian)(xian)、三井住友、華泰(tai)財(cai)(cai)險(xian)(xian)(xian)(xian)、中銀(yin)保(bao)險(xian)(xian)(xian)(xian)、眾誠保(bao)險(xian)(xian)(xian)(xian)等；B類(lei)財(cai)(cai)險(xian)(xian)(xian)(xian)公(gong)司(si)29家，包括利寶保(bao)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(bao)險(xian)(xian)(xian)(xian)等。

此(ci)外，7家再(zai)保險公司(si)中，有(you)6家再(zai)保險公司(si)被評(ping)為A類，1家再(zai)保險公司(si)被評(ping)為B類。

2019年6月份，中國銀保(bao)監會召開償付能力(li)監管委員會工作會議(yi)披露的(de)償付能力(li)數(shu)據顯示，2019年一(yi)季度(du)末(mo)，財產險公(gong)(gong)(gong)司(si)(si)、人(ren)身險公(gong)(gong)(gong)司(si)(si)、再保(bao)險公(gong)(gong)(gong)司(si)(si)的(de)綜合償付能力(li)充足率分別為271.8%、238.3%和335.7%，104家(jia)保(bao)險公(gong)(gong)(gong)司(si)(si)在(zai)風險綜合評(ping)級中被(bei)評(ping)為A類(lei)(lei)公(gong)(gong)(gong)司(si)(si)，70家(jia)被(bei)評(ping)為B類(lei)(lei)公(gong)(gong)(gong)司(si)(si)，1家(jia)被(bei)評(ping)為C類(lei)(lei)公(gong)(gong)(gong)司(si)(si)，2家(jia)被(bei)評(ping)為D類(lei)(lei)公(gong)(gong)(gong)司(si)(si)。對比來看，二(er)季度(du)末(mo)A類(lei)(lei)、B類(lei)(lei)、C類(lei)(lei)公(gong)(gong)(gong)司(si)(si)占比與一(yi)季度(du)末(mo)基本一(yi)致。

銀保監會指(zhi)出(chu)，經(jing)過多措并舉、集中治理(li)，保險(xian)業(ye)轉型發展取(qu)得積極成效，保險(xian)保障功能增(zeng)強(qiang)，保險(xian)業(ye)風險(xian)總體可(ke)控。當(dang)前外部經(jing)濟(ji)環(huan)境總體趨緊，國(guo)內經(jing)濟(ji)存(cun)在(zai)下行壓力，保險(xian)業(ye)要保持定力，在(zai)穩增(zeng)長(chang)的基礎上防控風險(xian)，不斷提升保險(xian)業(ye)服務實體經(jing)濟(ji)的質效。