穆迪:河南洪災對國內非壽險公司具有一定負面信用影響
穆迪最新發布的報告指,近日發生的河南洪災對中國非壽險公司具有一定負面信用影響。據河南省政府統計,截至7月23日,洪災造成的直接經濟損失已達819億元人民幣(合127億美元)。國內保險公司預計此次災害相關賠付金額超過50億元人民幣(約8億美元)。穆迪估計國內保險業的綜合賠付率將因此提高約0.5個百分點。
報告指,隨着降雨的持續和未來理賠報案的不斷增加,保險公司將進一步明確洪災給其帶來的相關損失。根據各大保險公司披露的信息,總損失佔比最大的預計爲私家車險賠案。2020年9月車險定價改革後的保單擴大了涉水損失保險範圍,這可能會增加保險公司的理賠支出。這將進一步加大保險公司車險業務盈利能力面臨的壓力,車險定價改革後保險費率下降已導致車險業務盈利能力惡化。
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