新華網北京(jing)3月26日電（游蘇(su)杭） 中國保(bao)(bao)險行業(ye)協會（以下簡稱(cheng)保(bao)(bao)險業(ye)協會）對外發(fa)布2019年(nian)(nian)度壽險電話(hua)營(ying)銷(xiao)(xiao)行業(ye)發(fa)展(zhan)形勢(shi)分析(xi)報告(gao)（以下簡稱(cheng)“報告(gao)”）。報告(gao)顯(xian)示，2019年(nian)(nian)壽險電銷(xiao)(xiao)市場(chang)規模(mo)保(bao)(bao)費首(shou)次(ci)出現下滑累計實現規模(mo)保(bao)(bao)費175.5億(yi)元，較2018年(nian)(nian)同比下滑17.8%。 

　　從(cong)經營主體(ti)來(lai)看，自2014年(nian)以來(lai)，經營壽(shou)(shou)險(xian)(xian)(xian)電銷業(ye)務(wu)的公(gong)司逐(zhu)年(nian)減少，2019年(nian)有3家公(gong)司逐(zhu)步退(tui)出(chu)壽(shou)(shou)險(xian)(xian)(xian)電銷市場，1家公(gong)司加入，截止2019年(nian)12月31日，僅有22人(ren)身(shen)險(xian)(xian)(xian)公(gong)司開(kai)展壽(shou)(shou)險(xian)(xian)(xian)電銷業(ye)務(wu)，在保險(xian)(xian)(xian)業(ye)協會人(ren)身(shen)險(xian)(xian)(xian)會員公(gong)司中的占比不到三(san)成。規(gui)模保費一直排(pai)名前十的中國人(ren)壽(shou)(shou)也在今(jin)年(nian)正式退(tui)出(chu)壽(shou)(shou)險(xian)(xian)(xian)電銷市場，預(yu)計未來(lai)幾年(nian)，可能有更多保險(xian)(xian)(xian)公(gong)司將逐(zhu)步退(tui)出(chu)壽(shou)(shou)險(xian)(xian)(xian)電銷市場。

　　從(cong)渠道來看，2019年整個壽險電銷(xiao)行業(ye)有21家(jia)公(gong)司(si)通過自(zi)建機(ji)構開(kai)(kai)展(zhan)經營(ying)業(ye)務(wu)，共實現(xian)規(gui)模(mo)保(bao)費109.8億元，較2018年同比下降27.3%，占壽險電銷(xiao)總規(gui)模(mo)保(bao)費的(de)62.6%；有18家(jia)公(gong)司(si)通過合作機(ji)構開(kai)(kai)展(zhan)經營(ying)業(ye)務(wu)，共實現(xian)規(gui)模(mo)保(bao)費65.7億元，同比增長5%，占比為(wei)37.4%。

　　報告顯示，2019年(nian)壽(shou)(shou)險(xian)(xian)(xian)電(dian)銷渠道產品結構變(bian)化(hua)明顯。年(nian)金(jin)保(bao)(bao)險(xian)(xian)(xian)持(chi)續穩定增長，累計(ji)實(shi)現規(gui)模(mo)(mo)(mo)保(bao)(bao)費59.8億元(yuan)，較2018年(nian)同(tong)比(bi)增長5.3%，占(zhan)壽(shou)(shou)險(xian)(xian)(xian)電(dian)銷業務總規(gui)模(mo)(mo)(mo)保(bao)(bao)費的34.1%，取代意(yi)外險(xian)(xian)(xian)成(cheng)為(wei)(wei)壽(shou)(shou)險(xian)(xian)(xian)電(dian)銷渠道的主(zhu)力險(xian)(xian)(xian)種(zhong)(zhong)；健康險(xian)(xian)(xian)實(shi)現規(gui)模(mo)(mo)(mo)保(bao)(bao)費45.1億元(yuan)，與2018年(nian)基本持(chi)平，占(zhan)比(bi)為(wei)(wei)25.7%，成(cheng)為(wei)(wei)壽(shou)(shou)險(xian)(xian)(xian)電(dian)銷渠道的第(di)二(er)大(da)險(xian)(xian)(xian)種(zhong)(zhong)；壽(shou)(shou)險(xian)(xian)(xian)實(shi)現規(gui)模(mo)(mo)(mo)保(bao)(bao)費39億元(yuan)，同(tong)比(bi)下滑(hua)(hua)19.6%,占(zhan)比(bi)為(wei)(wei)22.2%；意(yi)外險(xian)(xian)(xian)下滑(hua)(hua)幅(fu)度最(zui)大(da)，實(shi)現規(gui)模(mo)(mo)(mo)保(bao)(bao)費31.6億元(yuan)，同(tong)比(bi)下滑(hua)(hua)49.9%，占(zhan)比(bi)僅為(wei)(wei)18%。

　　報告(gao)顯示，2019年壽險電銷(xiao)(xiao)(xiao)行(xing)業銷(xiao)(xiao)(xiao)售(shou)(shou)人(ren)(ren)(ren)力出現下滑(hua)，截止12月末，總銷(xiao)(xiao)(xiao)售(shou)(shou)人(ren)(ren)(ren)力為(wei)6.7萬(wan)余人(ren)(ren)(ren)，較2018年底減少1.3萬(wan)余人(ren)(ren)(ren)。銷(xiao)(xiao)(xiao)售(shou)(shou)人(ren)(ren)(ren)員月均脫落(luo)人(ren)(ren)(ren)數(shu)為(wei)13647人(ren)(ren)(ren)，行(xing)業年度整(zheng)體脫落(luo)率為(wei)17.7%，較2018年同比(bi)上升3個(ge)百分點，銷(xiao)(xiao)(xiao)售(shou)(shou)人(ren)(ren)(ren)員流(liu)動仍是(shi)影響電銷(xiao)(xiao)(xiao)行(xing)業發(fa)展的關(guan)鍵因素(su)。