The rank of the premium drops the risk "specialized" Ritai can go how far?

-Our correspondent Rosan this year, the A-share market has soared, with its closely related investment-type insurance products are also dancing.　　However, from the investment of "professional" to the universal insurance to protect products, Ritai investment products in the road of specialization is full of thorns. The return on the risk account was slightly higher than in the industry. As of yesterday, the Shanghai Composite Index has risen by 63% per cent this year, with the exponentially rising more than 78%.　　Ritai Investment risk products, although the yield in the peer "slightly" but does not seem to outperform the market. Yesterday, the reporter learned from Ritai, as of June 23, the growth account nearly 6-month yield of 37.7%, nearly one-year yield of 41.3%; balanced accounts in the near 6-month yield of 24.2%, nearly one-year yield of 26.5%; stable-type accounts in the near 3-month yield is 0.22%,　　The last year is 6.65%.　　The growth account of the stock investment ratio of 60% to 95%, the bonds accounted for 0-40%, bank deposits, cash accounted for 0-20%, while the balance of the share of the account is 30%-70%, the proportion of 30% to 70%, bank deposits, cash accounted for not more than 20%. According to the research report of the National Gold securities, as at May 27, in 136 Ritai accounts, the yield of the growth-linked insurance account in the last half year was 35.88%, exceeding the average yield of 30.99%.　　The yield of Ritai balance account is 24.1%, slightly higher than the average yield of 22.84% of the mixed partial-share risk.　　However, the Ritai risk ratio is stronger than the market average performance behind also accompanied by its premium income ranking decline.　　According to reporter statistics, the first 1-4 months of this year, Rui Tai Life to achieve the original premium income of 145 million yuan, of which the first quarter premium income of 88 million yuan, the beginning of the year only for 21 million yuan, and last year's annual income of 363 million yuan. From the rate of increase in premiums, Ritai last year's four quarter to achieve the increase in premium income of 13.79%, lower than the average of 18.49% of foreign life insurance.　　The February 2009 Ritai Premium income rose 114.29%, below 26 foreign life insurance 121.99% level. In the income rankings, Ritai also slightly weak state. At the beginning of 2008, Ritai in the 14th place in 24 foreign life insurance companies, then slipped to 18th place at the end of last year.　　At the beginning of this year, the company was brutally dumped in the 20th place of 27 foreign counterparts.　　"Professional risk" has been tested since its inception in 2004, Ritai has focused on risky products, but with the fluctuations in domestic capital markets and interest rates, the "professional risk" of the company's slogan has undoubtedly been tested.　　Ritai related people frankly, domestic capital market than foreign mature capital market, volatility is large, to do professional investment companies, must fully consider the domestic market situation. Last September, with the companyRisk market weak and "injured" Ritai had to launch the election of Rui win, winning the election, such as two universal insurance products to make up for the slump in the risk of investment.　　And in the case of universal risk settlement rate with the bank base rate down and the situation of continued indifference to the risk of investment, Ritai and lonely, in the industry return to the tide of protection, the introduction of the security products.　　In March this year, Ritai introduced 6 security-type additional risks to the market, including accident insurance, term life insurance, medical insurance, and major disease risk, which was the first time the company introduced a protective product.　　However, Ritai previously on the investment of the "single-minded" shake of the move to let the outside world read as to get rid of the trap of insurance premiums.　　In this respect, a person close to Ritai said that the protection of additional risk products cheaper, bring the premium income is very low, and this part is to be insured out, to big premiums to get how many customers, in fact, also make no money. And Ritai related people told reporters, the company's positioning is high-end customers, that is 500,000 yuan, this year the reason for the introduction of security products, mainly customers have this demand, and the consideration of premium income is irrelevant.　　But in the past only when the risk of investment, these customers generally have their own basic protection.　　Earlier, the CIRC in the "accelerated business structure adjustment to further play the role of insurance security" guidance, stressed to improve investment-type insurance products protection function. The insurer said the restructuring of the insurance industry would respond to a call from regulators.　　For Rui-Tai, investment-type insurance is also to be based on a more comprehensive protection.　　The person told reporters that customers can flexibly choose whether to buy a security-type additional risk, this way can be a better combination of investment and security functions. Perhaps, the growing richness of the Swiss life products makes it harder to go further and farther on the professional road of investment insurance. And Ritai also to consider is that the implementation of the annual premium Measures (2nd interpretation) will be the investment of the insurance products from the premium to remove the premiums, the ranking will be more embarrassing.