通过出售所谓的“万能险”产品——本质上是带有较小的保障成分的理财工具——前海人寿在中国寿险行业的保费收入排行榜上迅速攀升。

Investors flocked to the products, which are mostly distributed through banks, drawn to their high yields and short maturities.

受高收益和短期限吸引，投资者蜂拥购买这些主要通过银行分销的产品。

Insurers are able to offer higher yields than those available on comparable vehicles from banks and other fund managers because they have the freedom to invest in a wider range of assets. Anbang Insurance Group has also relied on sales of universal insurance products to fund a high-profile global shopping spree.

由于保险商可以在更广泛的资产类别中进行投资，因此它们可以提供比银行和其他基金管理公司的类似理财产品更高的收益率。安邦保险集团(Anbang Insurance Group)也依靠出售万能险产品，为其在全球高调的收购活动提供资金。

But analysts have warned against the strategy. Such products essentially force insurers to seek out risky, high-yielding assets in order to meet future payouts. Analysts are also concerned by a liquidity risk when short-duration products are matched to long-term, illiquid assets such as real estate or large equity stakes.

但分析师对该策略提出了警告。此类产品实际上迫使保险商为了满足未来兑付而寻找高风险、高收益的资产。流动性风险——当短期产品与房地产或大笔股份等期限长、流动性低的资产搭配时——也引发了分析师的担忧。

【宝能董事长姚振华被禁入保险业10年】相关文章：

★ 淘宝又被美国列入假货黑名单 阿里不服

★ 点头就能购物：阿里巴巴推虚拟现实支付系统

★ 英语故事：山路历险记 4

★ 你有没有毫无用处的超能力？

★ 除了好吃以外，牛油果到底有多好？

★ 圣诞节从哪来？圣诞老人的原型到底是谁？

★ 当服务员可以听到很多猛料

★ 走路姿势是如何暴露性格的？看看你属于哪种

★ 你需要了解的经期的所有事情

★ 工作切忌埋头苦干，3点教你省烦恼