<p>作者：Selena Li</p>
<p>香港七栋高层建筑发生的致命火灾预计将导致保险公司短期索赔激增，并影响该综合体主要承保人的收益，该承保人是中国太平保险控股的一个附属公司，惠誉评级的一位分析师在周四表示。</p>
<p>中国太平保险（香港）对王福苑公寓综合体的保险覆盖超过 2 亿美元，公开可得的业主会议纪要和项目简报文件显示，承包商也在其覆盖范围内。</p>
<p>这场数十年来香港最致命的火灾造成至少 159 人遇难。</p>
<p>惠誉信用评级机构分析师王梦媛在一份报告中表示，中国太平保险（香港）预计将受到其综合比率的 “暂时上升” 影响。该比率是衡量财产和意外险承保盈利能力的关键绩效指标。</p>
<p>她补充说，预计还会出现 “适度的资本侵蚀”，但这不太可能影响太平的信用评级。</p>
<p>当被路透社联系时，这家中国保险集团的发言人拒绝发表评论。</p>
<p>该保险公司在周二告诉路透社，它已完成来自王福苑居民的第一批九份家庭保险索赔，共支付 537 万港元（约 68.9983 万美元）作为赔偿。</p>
<p>梦媛补充说，再保险和中国政府的潜在支持应能减轻影响。</p>
<p>然而，评级机构警告说，随着损失发展仍在进行中，超出预期的第三方责任索赔和恢复速度缓慢可能会加大收益波动性。</p>
<p>截至周四市场收盘，自火灾发生以来，香港上市的国有中国太平保险股价已下跌 4.2%。</p>
<p>保费上涨和费用增加</p>
<p>根据惠誉的说法，这场悲剧可能会收紧市场条件，保险公司将提高高层建筑翻新和高风险地区的保费、免赔额和排除条款。</p>
<p>它还补充说，一些公司可能会减少或撤回承保能力。</p>
<p>该行业还可能面临再保险定价收紧和更严格的保险覆盖限制，这可能会在 2026 年至 2027 年间提高主要保险公司的运营费用，梦媛补充道。</p>
<p>（1 美元 = 7.7828 港元）</p>

中国太平

<p>香港王福大厦的致命火灾预计将对中国太平的收益产生重大影响，保险覆盖金额超过 2 亿美元。惠誉评级预测，中国太平保险（香港）的综合比率将暂时上升，资本将出现适度侵蚀。火灾导致该保险公司的股价下跌 4.2%，并可能导致行业内保费和运营费用的增加</p>

<p>By Selena Li</p>
<div class="lb-trans"><p>作者：Selena Li</p>
</div><p>The deadly fire that ripped through seven high-rise towers in Hong Kong is expected to result in a surge in near-term claims among insurers, and hit earnings of the complex's main underwriter, an affiliate of China Taiping Insurance Holdings , an analyst at Fitch Ratings said on Thursday.</p>
<div class="lb-trans"><p>香港七栋高层建筑发生的致命火灾预计将导致保险公司短期索赔激增，并影响该综合体主要承保人的收益，该承保人是中国太平保险控股的一个附属公司，惠誉评级的一位分析师在周四表示。</p>
</div><p>China Taiping Insurance (Hong Kong) has coverage exposure of more than $200 million to the Wang Fuk Court apartment complex, and to the contractor of renovation work, publicly available owners' meeting minutes and a project-briefing document showed.</p>
<div class="lb-trans"><p>中国太平保险（香港）对王福苑公寓综合体的保险覆盖超过 2 亿美元，公开可得的业主会议纪要和项目简报文件显示，承包商也在其覆盖范围内。</p>
</div><p>The city's deadliest fire in decades killed at least 159 people.</p>
<div class="lb-trans"><p>这场数十年来香港最致命的火灾造成至少 159 人遇难。</p>
</div><p>China Taiping Insurance (Hong Kong) is expected to be hit by a &#34;temporary uptick&#34; in its combined ratio, Fitch credit ratings agency analyst Mengyuan Wang said in a note. The ratio is a key performance gauge for property and casualty insurance underwriting profitability.</p>
<div class="lb-trans"><p>惠誉信用评级机构分析师王梦媛在一份报告中表示，中国太平保险（香港）预计将受到其综合比率的 “暂时上升” 影响。该比率是衡量财产和意外险承保盈利能力的关键绩效指标。</p>
</div><p>It is also expected to see &#34;modest capital erosion&#34;, it added, but that's unlikely to affect Taiping's credit rating, Mengyuan said.</p>
<div class="lb-trans"><p>她补充说，预计还会出现 “适度的资本侵蚀”，但这不太可能影响太平的信用评级。</p>
</div><p>A spokesperson for the Chinese insurance group declined to comment when contacted by Reuters.</p>
<div class="lb-trans"><p>当被路透社联系时，这家中国保险集团的发言人拒绝发表评论。</p>
</div><p>The insurer told Reuters on Tuesday it completed the first batch of nine home insurance claims from Wang Fuk Court residents, paying a total of HK$5.37 million ($689,983) in compensation.</p>
<div class="lb-trans"><p>该保险公司在周二告诉路透社，它已完成来自王福苑居民的第一批九份家庭保险索赔，共支付 537 万港元（约 68.9983 万美元）作为赔偿。</p>
</div><p>Reinsurance and potential support from the Chinese government should mitigate the impact, Mengyuan added.</p>
<div class="lb-trans"><p>梦媛补充说，再保险和中国政府的潜在支持应能减轻影响。</p>
</div><p>However, the rating agency warned, with loss development still unfolding, higher-than-expected third-party liability claims and slower recoveries could heighten earnings volatility.</p>
<div class="lb-trans"><p>然而，评级机构警告说，随着损失发展仍在进行中，超出预期的第三方责任索赔和恢复速度缓慢可能会加大收益波动性。</p>
</div><p>By Thursday's market close, Hong Kong-listed shares of state-owned China Taiping Insurance had dropped 4.2% since the outbreak of the fire.</p>
<div class="lb-trans"><p>截至周四市场收盘，自火灾发生以来，香港上市的国有中国太平保险股价已下跌 4.2%。</p>
</div><p>RISING PREMIUMS AND HIGHER EXPENSES</p>
<div class="lb-trans"><p>保费上涨和费用增加</p>
</div><p>The tragedy is likely to tighten market conditions across the board, according to Fitch, with insurers raising premiums, deductibles and exclusions for high‑rise renovations and higher‑risk locations.</p>
<div class="lb-trans"><p>根据惠誉的说法，这场悲剧可能会收紧市场条件，保险公司将提高高层建筑翻新和高风险地区的保费、免赔额和排除条款。</p>
</div><p>Some may also reduce or withdraw underwriting capacity, it added.</p>
<div class="lb-trans"><p>它还补充说，一些公司可能会减少或撤回承保能力。</p>
</div><p>The industry is also likely to face tighter reinsurance pricing and stricter coverage limits, which could lift operating expenses for primary insurers through 2026 to 2027, Mengyuan added.</p>
<div class="lb-trans"><p>该行业还可能面临再保险定价收紧和更严格的保险覆盖限制，这可能会在 2026 年至 2027 年间提高主要保险公司的运营费用，梦媛补充道。</p>
</div><p>($1 = 7.7828 Hong Kong dollars)</p>
<div class="lb-trans"><p>（1 美元 = 7.7828 港元）</p>
</div>

惠誉表示，香港火灾将对中国太平的收益造成影响