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  转自:北京商报

  史带财产保险股份有限公司(以下简称“史带财险”)又有两地分公司获批撤销。4月15日北京商报记者了解到,金融监管总局近日发布批复称,同意史带财险撤销重庆、湖北两家分公司。近年来,该公司已有福建、安徽多地的分公司告别历史舞台。经营方面,保费规模10亿元量级的史带财险,净利润规模同样较小,不过,在净利润连续多年下滑后,2023年、2024年迎来正向增长。

  与大多数保险公司分支机构不断扩张不同,史带财险的多家分支机构却在接连告别当地市场。2022年,该公司曾撤销4家分公司,包括苏州分公司、福建分公司、安徽分公司和宁波分公司。加之2024年撤销上海自贸试验区分公司,该公司在五年时间里,合计撤销了7家分公司。

  目前,史带财险的分公司仅剩6家。官网显示,6家分公司分别为上海分公司、浙江分公司、江苏分公司、青岛分公司、北京分公司和广东分公司。

  对于一家保险公司而言,撤销分支机构虽有助于精简机构、提高效率,但也可能导致市场覆盖面缩小,部分地区的服务能力削弱。中央财经大学副教授刘春生表示,对于史带财险而言,撤销分支机构,尤其是省级分公司,或因地区业务亏损、业务结构调整以聚焦优势市场、削减运营成本以及互联网业务发展降低线下依赖。对公司而言,短期可实现降本,而长期或影响市场覆盖与品牌力。对消费者而言,虽然服务便捷性受影响,但保单权益仍会受到保障。

  对于史带财险而言,下一步是否有其他分公司面临撤销不得而知,但拥抱线上销售渠道成为一大趋势。2024年,史带财险发布的两则公告显示,自2023年8月1日起,史带财险开始销售互联网个人旅行险;自2024年3月14日起,史带财险开始销售互联网团体人身意外险。自2024年12月1日起,史带财险将重新开展互联网人身险自营业务。

  北京商报记者注意到,史带财险是为数不多在天猫开设旗舰店的险企,记者从该公司的天猫旗舰店了解到,该公司将险种分类为签证保险、旅游险、健康险等,但该旗舰店目前并无产品在售。

  史带财险前身为大众保险股份有限公司,继通过两家子公司定增入股后,2014年,史带集团从上海国际集团等公司手里接过大众保险39.19%股权,并将公司名称变更为史带财险。

  目前史带财险已成为史带集团在中国的成员公司,注册资本金14.325亿元。从经营范围来看,涵盖意外健康险、财产险、责任险等。

  值得一提的是,不同于财险公司将车险当作公司的主力险种,史带财险曾于多年前全面退出中国市场车险业务。

  近年来,史带财险业绩呈现明显波动,2017—2022年,该公司虽处于盈利状态,但净利润一度从0.6亿元连续跌至0.04亿元。2023年和2024年,该公司净利润有所增长,其中2024年为0.38亿元。

  从业务规模来看,史带财险与动辄保费收入数十亿元的中大型财险公司相比,有着一定的差距,2024年该公司保险业务收入为10.27亿元。

  放眼市场,财险公司承保端亏损一度成为常态。在业内人士看来,离不开相关公司做好承保管理,控制业务质量;聚焦市场细分领域,创新保险业务,避免通过价格竞争获取业务。

  北京商报记者就分公司撤销等问题致函采访该公司,但截至发稿,该公司未进行回复。

  北京商报记者胡永新

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