全球市值最高的保险公司中国人寿(China Life)身上就突显出这一挑战。上周中国人寿发布财报称,由于资本市场疲软,第三季度出现净亏损——这是自2010年以来该公司的首个季度亏损。今年以来,中国人寿每次发布财报前都会发布盈利预警。
Chinese insurers manage Rmb6.9tn ($1.1tn) in assets overall, about 10 times as much as a decade ago. Although that would be remarkably fast growth for most other countries, it has been relatively sluggish in China, especially over the past few years. Trust companies, loosely regulated groups that securitise loans, have grown much more quickly and could soon surpass insurers in terms of asset size, according to a recent report by KPMG.
中国保险公司管理的资产总计6.9万亿元人民币(合1.1万亿美元),约为10年前的10倍。放在多数其他国家,这一增速都可谓快得惊人,但在中国只算得上相对缓慢——在过去几年里尤其缓慢。毕马威(KPMG)最近一份报告指出,从事贷款证券化、受监管较松的信托公司发展要迅猛得多,其资产管理规模可能很快就将超过保险公司。
The loosening of investment guidelines will give insurers more ammunition to fight back.
投资准则的放宽,将为保险公司提供更多弹药展开反击。
They will now be permitted to invest up to 30 per cent of their assets in financial products, a category that the regulator defined as including wealth management products, trust products and asset-backed securities. Many of these are based on high-yielding loans to property developers, companies that are coming under intense pressure as the government tries to rein in property prices.
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2020-09-15
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