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

按照監管規定，風險(xian)評級(ji)為C類(lei)(lei)或D類(lei)(lei)為不達(da)標險(xian)企。從2家D類(lei)(lei)公司(si)來看(kan)，長安責任由(you)于此前踩雷(lei)P2P業務，導致償付能力(li)下(xia)(xia)滑(hua)，風險(xian)評級(ji)降至D；中法人壽由(you)于資本金(jin)遲(chi)遲(chi)得不到補充，償付能力(li)也出現大幅(fu)下(xia)(xia)滑(hua)，風險(xian)評級(ji)已連續多年為D。

僅兩家公司風險評級為D

風(feng)(feng)險(xian)(xian)(xian)綜合(he)評(ping)(ping)(ping)級(ji)結(jie)果可以綜合(he)反映保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)抵(di)御風(feng)(feng)險(xian)(xian)(xian)的(de)(de)(de)整(zheng)體(ti)狀(zhuang)況(kuang)。根(gen)據(ju)《保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)償(chang)付能(neng)力監管規則第(di)10號：風(feng)(feng)險(xian)(xian)(xian)綜合(he)評(ping)(ping)(ping)級(ji)（分(fen)類(lei)監管）》，銀保(bao)(bao)監會每季度綜合(he)分(fen)析、評(ping)(ping)(ping)價保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)的(de)(de)(de)相關風(feng)(feng)險(xian)(xian)(xian)，根(gen)據(ju)保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)償(chang)付能(neng)力充足率(lv)、操作風(feng)(feng)險(xian)(xian)(xian)、戰略風(feng)(feng)險(xian)(xian)(xian)、聲譽(yu)風(feng)(feng)險(xian)(xian)(xian)、流動性風(feng)(feng)險(xian)(xian)(xian)等(deng)監測指標數據(ju)，將保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)評(ping)(ping)(ping)定為A、B、C、D四類(lei)監管類(lei)別(bie)，并根(gen)據(ju)不同的(de)(de)(de)分(fen)類(lei)情(qing)況(kuang)，實施不同的(de)(de)(de)監管措施。其中，評(ping)(ping)(ping)級(ji)A類(lei)的(de)(de)(de)公(gong)司(si)被認(ren)為綜合(he)風(feng)(feng)險(xian)(xian)(xian)最低。

從兩(liang)家(jia)D類公(gong)(gong)司來(lai)看(kan)，長安(an)責任(ren)保險在償(chang)付(fu)能(neng)力(li)報告中提到，2018年四季度、2019年一季度公(gong)(gong)司核心(xin)償(chang)付(fu)能(neng)力(li)充足(zu)率(lv)和綜合償(chang)付(fu)能(neng)力(li)充足(zu)率(lv)均(jun)不達(da)標(biao)，可資(zi)本化風險評(ping)價得0分，導致公(gong)(gong)司風險綜合評(ping)級的(de)結果為D。

A類公司占比約六成

除3家險(xian)(xian)企不達標之外，2019年(nian)以來(lai)絕大多(duo)數險(xian)(xian)企監(jian)管風險(xian)(xian)評(ping)級為A類和B類，占比分(fen)別為57%、40.8%。

具體(ti)來看(kan)，監管最新(xin)風險評級(ji)為A類(lei)的壽(shou)(shou)(shou)(shou)險公司共34家，包括交銀康聯(lian)、泰康人壽(shou)(shou)(shou)(shou)、國聯(lian)人壽(shou)(shou)(shou)(shou)、工銀安盛、愛心(xin)人壽(shou)(shou)(shou)(shou)、建信(xin)人壽(shou)(shou)(shou)(shou)、招商(shang)信(xin)諾等；B類(lei)壽(shou)(shou)(shou)(shou)險公司共32家，包括東吳人壽(shou)(shou)(shou)(shou)、君(jun)龍人壽(shou)(shou)(shou)(shou)、長生人壽(shou)(shou)(shou)(shou)、華貴人壽(shou)(shou)(shou)(shou)、瑞泰人壽(shou)(shou)(shou)(shou)、長城(cheng)人壽(shou)(shou)(shou)(shou)等。

監管最新(xin)風(feng)險(xian)(xian)(xian)評(ping)級為A類(lei)的財(cai)(cai)險(xian)(xian)(xian)公(gong)(gong)司(si)共(gong)47家(jia)，數量超過同類(lei)壽險(xian)(xian)(xian)公(gong)(gong)司(si)，具(ju)體包(bao)括(kuo)泰山財(cai)(cai)險(xian)(xian)(xian)、三井住友、華泰財(cai)(cai)險(xian)(xian)(xian)、中(zhong)銀保(bao)險(xian)(xian)(xian)、眾(zhong)誠(cheng)(cheng)保(bao)險(xian)(xian)(xian)等；B類(lei)財(cai)(cai)險(xian)(xian)(xian)公(gong)(gong)司(si)29家(jia)，包(bao)括(kuo)利寶保(bao)險(xian)(xian)(xian)、誠(cheng)(cheng)泰財(cai)(cai)險(xian)(xian)(xian)、國泰財(cai)(cai)險(xian)(xian)(xian)、亞(ya)太(tai)財(cai)(cai)險(xian)(xian)(xian)、都邦財(cai)(cai)險(xian)(xian)(xian)、信(xin)利保(bao)險(xian)(xian)(xian)等。

此外，7家再保(bao)險公司(si)(si)中，有6家再保(bao)險公司(si)(si)被(bei)評(ping)為(wei)A類(lei)，1家再保(bao)險公司(si)(si)被(bei)評(ping)為(wei)B類(lei)。

2019年6月(yue)份，中(zhong)(zhong)國(guo)銀保監會召(zhao)開償(chang)付(fu)能(neng)力監管委員會工作(zuo)會議披露的償(chang)付(fu)能(neng)力數據(ju)顯示，2019年一(yi)季度末，財產(chan)險(xian)(xian)(xian)公(gong)(gong)司(si)、人身險(xian)(xian)(xian)公(gong)(gong)司(si)、再保險(xian)(xian)(xian)公(gong)(gong)司(si)的綜合(he)償(chang)付(fu)能(neng)力充足率分別為271.8%、238.3%和(he)335.7%，104家(jia)保險(xian)(xian)(xian)公(gong)(gong)司(si)在(zai)風險(xian)(xian)(xian)綜合(he)評(ping)(ping)級中(zhong)(zhong)被(bei)評(ping)(ping)為A類(lei)公(gong)(gong)司(si)，70家(jia)被(bei)評(ping)(ping)為B類(lei)公(gong)(gong)司(si)，1家(jia)被(bei)評(ping)(ping)為C類(lei)公(gong)(gong)司(si)，2家(jia)被(bei)評(ping)(ping)為D類(lei)公(gong)(gong)司(si)。對(dui)比來(lai)看(kan)，二季度末A類(lei)、B類(lei)、C類(lei)公(gong)(gong)司(si)占比與一(yi)季度末基(ji)本一(yi)致。

銀保(bao)監會(hui)指出(chu)，經(jing)(jing)過多措并舉、集(ji)中治理，保(bao)險(xian)(xian)(xian)業轉型發展取(qu)得積極成效(xiao)，保(bao)險(xian)(xian)(xian)保(bao)障功能增強，保(bao)險(xian)(xian)(xian)業風險(xian)(xian)(xian)總(zong)體(ti)(ti)可控(kong)。當前外部經(jing)(jing)濟(ji)環境總(zong)體(ti)(ti)趨(qu)緊(jin)，國內(nei)經(jing)(jing)濟(ji)存在下行壓力，保(bao)險(xian)(xian)(xian)業要保(bao)持(chi)定力，在穩增長的基礎上防(fang)控(kong)風險(xian)(xian)(xian)，不斷提升保(bao)險(xian)(xian)(xian)業服務實體(ti)(ti)經(jing)(jing)濟(ji)的質效(xiao)。