金吾财讯 | 交银国际表示，2024年5家上市险企合计寿险保费同比增长5.1%，增速较1-11月放缓0.2个百分点，12月寿险保费增速延续10月以来的放缓态势。2024年人保(01339)、平安(02318)和太保(02601)财险保费同比分别增长4.3%、6.5%和6.8%，12月财险保费增速略有放缓，众安(06060)2024年保费收入同比增长13.4%，下半年增速呈现回升态势。另外，《保险公司监管评级办法》有利于扶优限劣，利好头部保险公司。该行维持保险行业同步评级。该行预计随着行业产品销售重点转向分红险，负债端成本仍有下降空间；近期长期国债收益率呈现企稳态势，有利于缓解市场对于寿险行业利差损的担忧；预计我国支持经济增长的政策有望持续出台，推动资产端收益率的改善态势；当前估值水平上兼具防御性和弹性，维持平安和太保的买入评级。
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