中国人寿(02628.HK)上半年净利润375.99亿元同比增长128.9%
格隆汇8月22日丨中国人寿(02628.HK)公布，截至2019年6月30日止中期，公司实现归属于公司股东的净利润达375.99亿元(单位下同)，同比增长128.9%。公司实现总保费收入3779.76亿元，同比增长4.9%。上半年新业务价值达345.69亿元，同比增长22.7%。内含价值达8868.04亿元，较2018年底增长11.5%。总资产达3.48万亿元，稳居寿险行业首位。核心偿付能力充足率和综合偿付能力充足率分别达258.62%、269.09%。
回顾2019年上半年，公司围绕"重振国寿"战略目标，坚持"重价值、强队伍、稳增长、兴科技、优服务、防风险"的经营方针，制定发展规划，落实策略部署，市场地位稳固，品牌形象提升，实力不断增强。
一是核心业务快速增长。公司聚焦价值提升，十年期及以上首年期交保费同比增长68.0%，保障型业务快速增长，特定保障型产品保费占首年期交保费的比重同比提升5.0个百分点。
二是销售队伍量质齐升。截至报告期末，公司销售队伍约190万人，较2018年底增长7.2%，队伍质态持续改善。三是投资收益显着提升。公司践行长期投资、价值投资和稳健投资的投资理念，积极布局核心资产，有效把握市场交易窗口，取得了较好的投资收益。截至报告期末，投资资产达3.30万亿元，较2018年底增长6.4%，总投资收益率达5.78%，同比提升200个基点。
四是科技动能持续释放。公司全面啓动"科技国寿"建设三年行动，全方位赋能保险价值链，运用大数据、人工智能技术为公司客户、队伍、网点提供高科技应用，不断丰富国寿数字化服务生态。
五是服务能力持续增强。公司聚焦客户体验，持续优化服务流程和场景，围绕"更通畅"、"更快捷"、"更智慧"、"更贴心"升级70项服务，服务效率大幅提升。
六是服务国家大局彰显担当。报告期内，公司累计为社会提供风险保额319万亿元，大病保险、长期护理保险及政策性医保补充业务覆盖28个省，涉及300多个项目。开发"国寿一带一路"专属产品，为援非医疗团队提供保险保障。积极践行保险资金服务实体经济，新增投资超过400亿元。发挥保险精准扶贫作用，针对贫困人口的大病保险赔付近20亿元，受益贫困人口超过100万人次。
七是风险防控能力全面提升。进一步完善顶层设计，着力加强基层风险管控力量，强化协同机制，综合开展风险排查和治理工作，稳步推进智能风控体系建设。
八是改革创新向纵深推进。公司启动了基于"重振国寿"战略目标引领下的"鼎新工程"，对公司未来变革转型进行全面规划。通过"鼎新工程"，公司将构建新的发展布局，提升价值创造能力；建立市场化投资管理体系，提升投资收益水平；强化科技驱动和运营支撑，提升公司整体效能；完善市场化激励约束和人才发展机制，增强队伍活力。
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