Even if mainlanders buy less in the territory than they used to, the big insurers also have Chinese domestic businesses that could pick up some of the slack.
即便内地消费者在香港购买的保险产品数量不如以前,大型保险公司在中国内地还设有业务,可以弥补一些损失。
And while regulatory changes might affect new business in Hong Kong, the impact on insurers’ profits will be more muted.
监管改革可能会影响香港保险公司的新业务,但对保险公司利润的影响将较为有限。
“With insurers, at least two-thirds of the value is in the back book,” says Gordon Aitken, analyst at RBC Capital Markets in London. “The Hong Kong growth will have an impact but these are 10-year policies.”
“对于保险公司而言,至少三分之二的价值来自于续期保单,”加拿大皇家银行资本市场(RBC Capital Markets)驻伦敦分析师戈登.艾特肯(Gordon Aitken)表示,“香港保险业增长会受一定影响,但很多都是10年期的保单。”
For example, although Hong Kong is Prudential’s biggest Asian market in terms of sales, it is only number three in terms of profits. Analysts say that while the sales line fluctuates (five years ago, Indonesia was its biggest Asian market by sales), profits should be steadier.
例如,按照保险销售额计算,香港是保诚在亚洲的最大市场,但如果按利润算的话只能排在第三。分析人士表示,销售额状况会波动(5年前,印尼是该公司在亚洲销售额最高的市场),但利润应该会比较稳定。
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