2024年全球保险市场趋势

Global Insurance MarketTrends2024 This work is published under the responsibility of the Secretary-General of the OECD. The opinions expressed andarguments employed herein do not necessarily reflect the official views of the Member countries of the OECD. This document, as well as any data and map included herein, are without prejudice to the status of or sovereignty overany territory, to the delimitation of international frontiers and boundaries and to the name of any territory, city or area. The statistical data for Israel are supplied by and under the responsibility of the relevant Israeli authorities. The use ofsuch data by the OECD is without prejudice to the status of the Golan Heights, East Jerusalem and Israeli settlements inthe West Bank under the terms of international law. ISBN 978-92-64-92299-0 (print)ISBN 978-92-64-71882-1 (PDF)ISBN 978-92-64-81555-1 (HTML) Global Insurance Market TrendsISSN 3006-8320 (print)ISSN 3006-8339 (online) Photo credits:Cover © Eightshot Studio/Getty Images. Corrigenda to OECD publications may be found at: https://www.oecd.org/en/publications/support/corrigenda.html.© OECD 2024 Attribution 4.0 International (CC BY 4.0) This work is made available under the Creative Commons Attribution 4.0 International licence. By using this work, you accept to be bound by the terms of this licence(https://creativecommons.org/licenses/by/4.0/).Attribution– you must cite the work.Translations– you must cite the original work, identify changes to the original and add the following text:In the event of any discrepancy between the original work and thetranslation, only the text of original work should be considered valid.Adaptations– you must cite the original work and add the following text:This is an adaptation of an original work by the OECD. The opinions expressed and arguments employed inthis adaptation should not be reported as representing the official views of the OECD or of its Member countries.Third-party material– the licence does not apply to third-party material in the work. If using such material, you are responsible for obtaining permission from the third party and forany claims of infringement.You must not use the OECD logo, visual identity or cover image without express permission or suggest the OECD endorses your use of the work.Any dispute arising under this licence shall be settled by arbitration in accordance with the Permanent Court of Arbitration (PCA) Arbitration Rules 2012. The seat of arbitration shallbe Paris (France). The number of arbitrators shall be one. Foreword This 2024 edition of the OECD’s Global Insurance Market Trends provides an overview and assessmentof developments in the insurance industry in2023, using data from the OECD Global Insurance Statistics(GIS)database. For several decades, the OECD has collected and analysed data on insurance markets in membercountries, including on the number of active companies and their employees, insurance premiums andpayments, and portfolio investments. Over time, the frameworkforthisglobal statisticalexercise has cometo include key itemsfromthe balance sheet and income statement of direct insurers and reinsurers. The geographical reach of theGISdatabase has expandedover time. In addition to OECD countries,italso covers a number of non-OECD Latin American(throughco-operationwith the Association of LatinAmerican Insurance Supervisors, ASSAL),Asianand other jurisdictions. TheGlobal Insurance Market TrendsreportandGISdatabaseprovidea rich source of comparable cross-country data on insurance markets. They provide a comprehensive source of information that can be usedby governmental authorities, the insurance sector,theresearch community, and consumers. This reporthas beendeveloped by the Capital Markets and Financial Institutions Division of the OECDDirectorate for Financial and Enterprise Affairs. Itwas prepared by Romain DespalinsandTimothy Bishopunder the supervision ofPablo Antolin,Head of the Insurance and Pensions Unit, andSerdar Celik,HeadofDivision.Leigh Wolfrom andSally Day-Hanotiaux providedinput. Table ofcontents 3 Foreword Executive summary 6 1 The insurance business is unevenly developed around the world, with lowercoverage in less advanced economies8 1.1. The penetration of the insurance industry varies widely around the world91.2. The non-life sector generally dominates the insurance industry, with the largest share ofpremiums101.3. Life insurance business is more prominent in regions with higher per capita income12 2 Premium growth in the non-life sector led to positive underwriting performance inmany cases, despite continued cost pressures15 2.1. Non-life premiums grew in all reporting jurisdictions162.2. Non-life insurers continued to face higher claims costs192.3. Despite the rise in gross claims payments, non-life insurers generally recorded positiveunderwriting results212.4. Reinsurance prices increased23 3 Premium growth in the life sector remained stable overall, but some j