<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FTCogyRTMEicf0YBXZApo78gOoyoicAGb2OGSQts3d2EPy5BGEVicyTibicibgPia4ryCmgfgRic3z1ZZ2QVO83ESNcDVoQ%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/TCogyRTMEicf0YBXZApo78gOoyoicAGb2OGSQts3d2EPy5BGEVicyTibicibgPia4ryCmgfgRic3z1ZZ2QVO83ESNcDVoQ/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><p ><span >前段时间，我们发文简单介绍了</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkyNTYxNTY4Mw==&mid=2247497163&idx=1&sn=8834b852fb8e8368a5d35e975a2b2d9c&chksm=c1c166e7f6b6eff10ec6c0e6ff2f44140af725ba45504533fa2c2d428cce2af770adf382a462&scene=21#wechat_redirect" textvalue="中邮人寿" linktype="text" imgurl="" imgdata="null" tab="innerlink">中邮人寿</a></span><span >这家保险公司。</span></p><p ><span ><br /></span></p><p ><span >收获很多朋友认可的</span><span >同时，也存在大量不谐的声音。</span></p><p ><br /></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEiceNXxcRQ58INE7he2nsI3AfqwdQiaC5tguBwZuNtJiaHBWKBtiaE5ukxDHnJiaMmqeUU0KZPFBMmRiczow%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEiceNXxcRQ58INE7he2nsI3AfqwdQiaC5tguBwZuNtJiaHBWKBtiaE5ukxDHnJiaMmqeUU0KZPFBMmRiczow/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="text-align: center"><span style="color: rgb(136, 136, 136)">部分留言</span><br /></p><p ><br /></p><p ><span >话里话外都是：</span><strong><span >去年亏</span><span >损上百亿的中邮人寿，你怎么好意思推荐？</span></strong></p><p ><br /></p><p ><span >原本以为这只是个小问题，</span><span ></span></p><p ><br /></p><p ><span >随着问的人多了，甚至还有些揣着明白装糊涂的同业混迹其中，试图歪曲事实。</span></p><p ><span ><br /></span></p><p ><span >那咱们就老</span><span >老实实回应一下。</span></p><p ><br /></p><p ><span >先看中邮人寿</span><span >官方披露：</span></p><p ><br /></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEiceNXxcRQ58INE7he2nsI3AflQAMPicXGKtskGrdiaG2CdsoZciaOaUdm5PkdWXDG9mhtfkNF8zbWUA5g%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEiceNXxcRQ58INE7he2nsI3AflQAMPicXGKtskGrdiaG2CdsoZciaOaUdm5PkdWXDG9mhtfkNF8zbWUA5g/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >确实，2023年净利润为-120.1亿元。<br /></span></p><p ><span ><br /></span></p><p ><strong><span >但这个120亿全是中邮人寿实力不济，投资亏出来的吗？</span></strong><span ></span></p><p ><br /></p><p ><span >很多人试图想证明这点，可惜实际并非如此。</span></p><p ><br /></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEiceNXxcRQ58INE7he2nsI3AfccMWT5yl4DGuBuibibqvQHVp1PPHm1PZexmHnZl8pYVVNF8RylDIAJMg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEiceNXxcRQ58INE7he2nsI3AfccMWT5yl4DGuBuibibqvQHVp1PPHm1PZexmHnZl8pYVVNF8RylDIAJMg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >根据</span><span >中邮人寿年报，去年亏损120亿元，主要是因<strong>750曲线波动影响</strong>以及投资收益未及预期所致。</span></p><p ><span ><br /></span></p><p ><span >其中受准备金折现影响，就减少了<strong>112亿元</strong>的利润。<br /></span></p><p ><span ><br /></span></p><p ><span >官方对报表中变动</span><span >幅度超过30%的重要科目及变动原因也做了解释：</span></p><p ><br /></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEiceNXxcRQ58INE7he2nsI3AfibK4WYnAf1u3r5OiaTdoFFFC2AkDKJ7RYpNtyzfftNsOE1fjJ2Xy8kDw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEiceNXxcRQ58INE7he2nsI3AfibK4WYnAf1u3r5OiaTdoFFFC2AkDKJ7RYpNtyzfftNsOE1fjJ2Xy8kDw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >2023年净利润亏损，变动原因是<strong>新金融工具准则实施影响</strong>，跟往年利润<strong>不可比</strong>。<br /></span></p><p ><br /></p><p ><span >换句话说，这些亏损基本是源于执行新</span><span >会计准则的影响，</span></p><p ><span ><br /></span></p><p ><span >短期问题，并非常态。</span></p><p ><br /></p><p ><span style="color: rgb(33, 89, 103)">只是中邮人寿先一步执行了而已，每家保险公司最终都会面临。</span><span ></span></p><p ><br /></p><p ><span >当前国家要求是在<strong>2026年1月1日</strong>全面执行新准则。</span></p><p ><span ><br /></span></p><p ><span >中邮人寿执行的早，先丢个面子；</span></p><p ><span ><br /></span></p><p ><span >有些保险公司暂未执行，面子好像还在，但内行人都知道是早晚的事。<br /></span></p><p ><span ><br /></span></p><p ><span >不知道大</span><span >家还记得去年的中国人寿，净利润同比</span><strong><span >暴跌</span><span >99.1%</span></strong><span >，也有中国人寿执行了新会计准则</span><span >的影响。</span></p><p ><br /></p><p ><span >中国人寿相关负责人对此回应是：</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(33, 89, 103)">会计准则的变化可能会影响保险公司财报中净利润的呈现，但不会改变保险公司的长期经营实质。</span></p><p ><span style="color: rgb(33, 89, 103)"><br /></span></p><p ><span style="color: rgb(33, 89, 103)">它们主要是影响盈利在不同期间的分布，并不会改变保险公司的核心业务和长期财务健康状况。</span><span ></span></p><p ><br /></p><p ><span >当初人人都喊中国人寿暴雷，跟如今中邮人寿如出一辙，背后是否有人刻意拉踩很难说。</span></p><p ><span ><br /></span></p><p ><strong><span >好在，这也只影响一时。</span></strong><span ></span></p><p ><span ><br /></span></p><p ><span >随着今年数据的披露，</span><span ><br /></span></p><p ><span ><br /></span></p><p ><span >第一季度中邮</span><span >人寿净利润达27.54亿元。<br /></span></p><p ><br /></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEiceNXxcRQ58INE7he2nsI3AfNU1ibzVDR5jP06L1pfdxB8KnXgG1Oh0fqSIUVTVZzliatGCBIYMYA1tw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEiceNXxcRQ58INE7he2nsI3AfNU1ibzVDR5jP06L1pfdxB8KnXgG1Oh0fqSIUVTVZzliatGCBIYMYA1tw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >根据13精的数据统计，</span></p><p ><span ><br /></span></p><p ><span >中邮人寿在已披露的保险公司中，<strong>盈利榜排名第5</strong>。<br /></span></p><p ><br /></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FTCogyRTMEiceNXxcRQ58INE7he2nsI3AfNRNx7h6p2a70MYxnHs7bthm81uT0g71WxJmBkbbvgYAFHFWbKJ7HNg%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/TCogyRTMEiceNXxcRQ58INE7he2nsI3AfNRNx7h6p2a70MYxnHs7bthm81uT0g71WxJmBkbbvgYAFHFWbKJ7HNg/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >这点，很多别有用心的人就看不见了吧。</span></p><p ><span ></span></p><section ><br /></section><section style="color: rgb(34, 34, 34)"><span ><strong style="color: rgb(0, 0, 0)"><span style="color: rgb(33, 89, 103)"><em ><strong ><span style="text-align: start">还有疑问，可扫描</span></strong></em><em ><strong ><span style="text-align: start">下图二维码咨询我团队的专业规划老师。</span></strong></em></span></strong></span></section><section style="color: rgb(34, 34, 34); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247496666&idx=1&sn=6ed587679d0f67d166246df32328798f&chksm=cfb6105af8c1994c727f56db310d5591771ba8c785ba443c7d87651a97d11bbdc79541e162d4&scene=21#wechat_redirect" textvalue="为什么选择懂保爷？" linktype="text" imgurl="" imgdata="null" tab="innerlink" style="color: var(--weui-LINK)"></a></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section></mp-common-profile></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span > <span style="color: rgb(136, 136, 136)">点击阅读原文，查看</span><span style="color: rgb(33, 89, 103)">懂保爷严选【理财、养老、保障】产品汇总</span></span></section><section label="Powered by 135editor.com" ><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，帮忙点个<span style="color: rgb(33, 89, 103)"><strong >在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section><p ></mp-style-type></p>
