Hello everyone, pay attention to the enthusiastic little gray and don't get lost, I am the enthusiastic little gray, and today I bring the following article
The Ministry of Finance issued a new policy to implement a three-year long-term assessment for state-owned commercial insurance companies. The significance and impact of this latest development has been overlooked by many. This article will sort out and explain this trend in detail, and analyze its essence and intentions in combination with several other trends and actual situations in China's economic environment, and determine its subsequent trend, as well as its possible impact and trend changes. On October 30, the Ministry of Finance issued the Notice on Guiding Long-term and Steady Investment of Insurance Funds and Strengthening the Long-term Assessment of State-owned Commercial Insurance Companies. According to the relevant provisions of the Notice of the Ministry of Finance on Printing and Distribution, the "Notice" adjusts the "return on net assets" of the operating efficiency indicators from "current year indicators" to "3-year cycle indicators + current year indicators". The background of this new policy is that China's insurance industry is developing rapidly, but there are also some problems, such as insurance companies too much pursuit of short-term business performance, ignoring long-term investment and risk control, resulting in increased investment risks and affecting the steady development of the insurance industry. Therefore, the Ministry of Finance has issued this new policy to guide the long-term and steady investment of insurance funds and strengthen the long-term assessment of state-owned commercial insurance companies.
The implementation of this new policy will have a far-reaching impact on the business model and investment strategy of state-owned commercial insurance companies. First, insurers need to focus more on long-term investment and risk control, rather than just short-term business performance. Second, insurers need to pay more attention to asset quality and liquidity to prevent investment risks. Finally, insurance companies need to pay more attention to compliance operations and strengthen internal management and system construction. In addition to this new policy, there are several other developments and realities in China's economic environment that deserve attention. First, China's economic growth has shifted from high-speed growth to high-quality development. This means that China needs to focus more on structural adjustment, innovation-driven, and green development, rather than just focusing on GDP growth. Second, China's financial supervision has become stricter, and more attention has been paid to risk prevention and control in the financial market. Finally, China's capital market reform has been deepened, and its ability to support and serve the real economy has been continuously enhanced. These trends and actual situations mean that China's economy is developing in a more stable, high-quality and sustainable direction. For enterprises, it is necessary to pay more attention to long-term development and risk control, rather than just pursuing short-term business performance.
For investors, there is a need to focus more on value investing and long-term investment, rather than just pursuing short-term speculation. For policymakers, it is necessary to pay more attention to institutional construction and policy coordination, so that various policies can work together to achieve high-quality economic development. In general, the new policy of the Ministry of Finance to implement a three-year long-term assessment cycle for state-owned commercial insurance companies is an important trend in China's economic environment. The implementation of this new policy will have a far-reaching impact on the business model and investment strategy of state-owned commercial insurance companies, and will also have a positive impact on the steady development of China's economy. At the same time, this new policy also reminds us that we need to pay more attention to long-term development and risk control to achieve high-quality economic development. Recently, the Ministry of Finance issued the "Notice" to further strengthen the long-term assessment of state-owned commercial insurance companies and put forward relevant requirements for their investment management. The purpose of this measure is to enhance the matching of assets and liabilities, guide state-owned commercial insurance companies to carry out long-term stable operations, and avoid risk neglect due to short-term behavior due to the simple pursuit of annual goals. And in the capital market, this move has also sparked a series of opinions and discussions.
A number of public offering giants believe that this long-term assessment is conducive to increasing equity investment in insurance funds, encouraging the low-level layout of long-term funds, and then promoting the high-quality development of the capital market. However, the key issue is how to ensure that insurers can maintain sound investments in the face of long-term assessments, regardless of short-term goals. In addition, long-term assessment also needs to fully consider market volatility and risk factors to avoid overly cautious investment strategies. Therefore, in the process of implementation, the relevant departments need to formulate detailed implementation rules to strengthen supervision and risk control to ensure the effective implementation of this policy. In the "Notice" of the Ministry of Finance, the core point is to adjust the "return on net assets" assessment method in the "Measures for the Performance Evaluation of Commercial Insurance Companies". The original assessment method was based on the current year's indicators, but now it is adjusted to a combination of three-year cycle indicators and current year indicators, with the weight of each accounting for 50%. The purpose of this adjustment is to better reflect the effect of long-term operation and prudent investment. The 3-year cycle indicator uses the geometric average of the return on net assets of the past 3 years, while the current year indicator uses the return on net assets of the current year as the assessment index.
In this way, the Ministry of Finance hopes to guide state-owned commercial insurance companies to pay more attention to long-term stability and value orientation in investment management, and at the same time, it is also conducive to giving full play to the role of medium- and long-term funds in market stability and economic development. The logic of the implementation of this measure is not complicated, but it contains the intention of the state to exert force on the market for the funds directly managed. As a part of the financial funds directly managed by the state, the investment behavior of insurance capital directly affects the operation of the capital market and also plays an important supporting role in the development of the real economy. Therefore, by strengthening the long-term assessment, the state hopes to guide insurance funds to make long-term and stable investments, so as to promote the healthy development of the mainland capital market. However, it is not an easy task to ensure that insurance companies can maintain sound investments over a long period of time. In terms of operation, how to balance long-term goals and short-term risks is a key issue. On the one hand, insurance companies need long-term and stable investment to obtain stable returns and support the insurance business. On the other hand, market volatility and risk factors also need to be fully considered to avoid overly cautious investment strategies due to the assessment of long-term indicators.
Therefore, in the process of implementation, the relevant departments need to formulate detailed implementation rules to strengthen supervision and risk control to ensure the effective implementation of this policy. From the point of view of logic and the trend itself, in fact, this move can be regarded as a restriction and liberalization of the state's direct management of funds to the market. As an important part of the medium and long-term funds in the capital market, the investment behavior of insurance funds is of great significance to the capital market and the real economy. By strengthening long-term assessment, the state hopes to guide insurance funds to make long-term and stable investment, provide more stable sources of funds for the capital market, and then promote the high-quality development of the capital market. However, in addition to the formulation and implementation of policies, it also requires the active response and cooperation of the insurance companies themselves. Insurance companies need to strengthen their internal risk management and investment decision-making capabilities to ensure the scientificity and stability of investment decisions. At the same time, it is also necessary to strengthen communication and cooperation with regulatory authorities, and timely report and explain the reasons and effects of investment decisions, so as to establish an effective regulatory mechanism and risk control system.
In general, the Ministry of Finance has strengthened the long-term assessment of state-owned commercial insurance companies, aiming to guide these companies to make long-term and stable investments, and improve the function of the capital market and the development of the real economy. However, in the specific implementation, it is necessary to pay attention to balancing the relationship between long-term goals and short-term risks, and strengthen supervision and risk control to ensure that this policy can have the desired effect. Insurance companies need to strengthen their internal risk management and investment decision-making capabilities, and actively cooperate with regulators to jointly promote the healthy development of the capital market. What do you think of this initiative for readers? Do you think that long-term assessment can effectively guide the long-term and stable investment of insurance funds? How do you balance long-term goals and short-term risks while maintaining a sound investment? Please share your views and opinions. Insurance capital: An important source of funding outside of the national teamIn China's financial market, insurance capital plays an important role. Insurance capital refers to the funds held by insurance companies, including premium income and investment income. As a substantial, stable and long-term fund, insurance capital is important in the financial market. However, some people mistakenly believe that insurance money is money that belongs to the national team, which is not the case.
The national team refers to a huge amount of money managed by the state and plays an important role in influencing the market. The national team includes the Social Security Fund, Central Huijin, Securities Companies and Pension Funds, among others, whose goal is to maintain the market and achieve the appreciation and preservation of funds. In contrast, insurance funds are funds that belong to insurance companies and are different from national teams in nature and scale. This article will explore the position and role of insurance capital in the financial markets and compare it with the national team. National team funds are one of the main funds in China's stock market, with a total market value of more than 2.7 trillion yuan. By comparison, China's equity fund size is only 2 trillion yuan. The national team funds are mainly composed of social security funds, central huijin, securities companies and pension funds. Their main goal is to stabilize the market while increasing and preserving the value of funds. For example, Central Huijin mainly made equity investments in key state-owned financial enterprises, while the securities company undertook the task of bailing out the market during the stock market crash. These national team funds play an important role in the market, affecting the rise and fall of the entire market. Compared to the national team, the characteristics and objectives of insurance funds are different. Insurance capital is the money held by the insurance company and is mainly used to pay future insurance claims.
Insurance companies collect premium income from their customers and earn income from their investments. Insurance funds are usually large, stable and long-term funds. Therefore, insurance capital is also one of the important sources of funds in the financial market. However, insurance funds do not belong to the national team funds, they are closely related to the insurance company, and are different from the national team in nature and scale. The investment preferences of insurance funds in the financial markets also differ. Insurance capital mainly invests in areas such as banking, securities, insurance and real estate infrastructure, which are often referred to as big finance. The performance of these sectors tends to affect the movement of the market as a whole. In contrast, the national team has a broader investment focus, including state-owned enterprises, financial companies and other key industries. Insurance funds have high requirements for yields, but at the same time, they must remain stable. Insurers need to ensure that premium income is sufficient to cover future claims, so they have a high demand for a return on investment. This also means that the investment risk of insurance funds is relatively low, and more attention is paid to long-term stable returns. In short, insurance capital plays an important role in China's financial market. As the funds held by insurance companies, insurance funds provide a stable source of funds for insurance claims.
Insurance funds differ in nature and size compared to national team funds, but they are both important sources of funding in the financial markets. In terms of investment preference and risk control, there are also certain differences between insurance funds and national teams. Understanding the characteristics and role of insurance capital is of great significance for understanding the operation of financial markets and investment decisions. Finally, we need to recognize the importance of insurance capital in China's financial market, and the state should strengthen the supervision and guidance of insurance capital to ensure the stable development of insurance capital. At the same time, insurance companies should also strengthen their own risk management, improve the return on investment, and provide a more stable and reliable source of funds for insurance claims. Only in this way can insurance funds play their due role and contribute to the stability and development of the financial market. Readers, what is your understanding of insurance capital? What do you think is the role of insurance capital in the financial market? Please leave your comments to share your views and opinions with us. The investment strategy of China Insurance Capital is fundamentally different from that of the national team social security fund. Although insurance funds play a profitable role in the market, they do not enjoy the same treatment as the national team.
Compared with the social security fund, the state will not provide transfer payments or direct financial support to protect its total assets in the event of special circumstances or force majeure. As a result, China's insurers have often made mistakes and lost money over the past few decades, resulting in the insurance industry lagging behind in terms of claims and ongoing services for a long time. However, policy relaxation in recent years has made it easier for high-quality insurance funds to flow into equity assets. While the proportion of insurance capital invested in equities and funds has increased, it is still relatively low. The reason why insurance funds do not dare to invest in A-shares is because they lack the "backing" attribute of the real national team. Although there are certain risks associated with the investment of insurers in China's domestic economic environment, this does not mean that insurers are completely risk-averse. Insurers still need to look for other investment opportunities to achieve higher returns. Currently, the global investment market offers a wealth of choices, such as foreign stocks, bonds, real estate, etc. By diversifying investment risk, insurers can achieve better returns across different asset classes. However, insurers also face some challenges when looking for new investment opportunities. First of all, insurance managers need to fully understand and evaluate the risk and return characteristics of the investment target.
Secondly, insurance funds need to strictly comply with regulatory requirements in the investment process to ensure the safety and compliance of funds. Finally, insurers also need to have a professional investment team and risk management capabilities to cope with market volatility and risks. There are a number of steps that governments and regulators can take to improve the return on investment of insurance funds. First of all, strengthen the supervision and guidance of insurance capital investment to ensure that investment behavior meets the requirements of risk management. Second, provide more investment channels and opportunities so that insurers can better allocate assets. In addition, investor education and professional training should be strengthened to improve the investment decision-making level and risk awareness of insurance managers. To sum up, there have been investment mistakes and losses in the past few decades, and there are essential differences in investment strategies and treatment compared with the national team social security fund. However, through policy relaxation and optimization of investment strategies, insurers are expected to achieve better investment returns. Governments and regulators can promote the development of insurance capital by strengthening regulation and guidance, providing more investment opportunities, and enhancing investor education. Will insurers be able to overcome investment difficulties and achieve long-term and stable development? What are your thoughts on this?
Insurance capital may become a new driving force for the stock market, and insurance companies are actively entering the marketChina's insurance companies have long relied on real estate and other channels to maintain and increase their value, but with the adjustment of supervision and the guidance of national policies, state-owned insurance companies will usher in a three-year long-term assessment. At present, there are 8 insurance companies controlled by the Ministry of Finance or Central Huijin, and by the end of 2022, the scale of capital utilization of these insurance companies has reached 9.37 trillion yuan, accounting for about 34.74% of the balance of capital utilization in the whole industry. According to the latest regulatory adjustment trends of the Ministry of Finance, insurance companies have increased their tolerance for volatility in stocks and funds, and their enthusiasm has also increased significantly. This means that insurance capital has the potential to become a new driver of the stock market. What is the domestic economic environment after the state continues to intervene? Judging from several recent developments, the regulators have lengthened the assessment cycle of state-owned insurance companies, which makes insurance companies more willing to invest in equity assets such as stocks and funds, without having to sacrifice long-term returns for short-term interests. In addition, the enthusiasm of insurance companies to enter the market has also increased significantly. This logic pushes insurance companies to invest more insurance capital in the stock market and actively increase the allocation ratio of stocks and funds.
Judging from the interpretation of various financial institutions, brokerages and fund companies, they generally believe that this policy adjustment is good for the stock market. According to China AMC, the long-term assessment mechanism has reduced the concerns of insurance institutions about the short-term volatility of equity investment returns, and driven insurance funds to increase the allocation ratio of equity assets. CEIBS believes that this adjustment will help enhance the enthusiasm and stability of insurance funds in the capital market, enhance the breadth and depth of their participation in the capital market, and promote the high-quality development of the capital market. It can be seen that the intention of insurance companies to enter the market is clear, and they intend to increase their purchases of stocks and funds. In the past few years, the stock market has been a 3,000-point defense, and now insurance funds have the potential to become a new driving force for the stock market. This is the result of the guidance game of state regulation and related funds. As a capital with investment ability, insurance capital will inject more funds into the stock market after entering the stock market, and may become an important force to promote the development of the stock market. In summary, with the continuous intervention of the state and the adjustment of the assessment cycle of insurance companies, insurance capital is expected to become a new driving force for the stock market. The intention of insurance companies to actively enter the market is obvious, and they will increase their investment in stocks and funds to inject more money into the stock market.
This adjustment is good for the development of the capital market, which will help improve the breadth and depth of the market and promote the high-quality development of the capital market. Personal views and suggestions: The trend of insurance capital entering the stock market is irreversible, which is a great benefit for the development of the stock market. However, we also need to be aware of the risks. Insurance funds enter the stock market as a large amount of money, and risk management and control must be done well to avoid systemic risks. At the same time, the regulatory authorities should also strengthen the supervision of insurance funds to ensure their compliance and protect the interests of investors. In addition, we should also think about how to further develop the capital market to enhance its attractiveness and competitiveness. In addition to attracting institutional investors such as insurance funds, individual investors should also be encouraged to participate, and the market's trading mechanism and investor protection system should be improved. Only by establishing a sound capital market ecosystem can the long-term stability and sustainable development of the capital market be achieved. Finally, I would like to ask readers a question: What is your view on the entry of insurance funds into the stock market? What impact do you think insurance capital will have on the development of the stock market? Feel free to share your views and suggestions in the comment section. Is the focus of capital allocation of insurance companies on capital security or the need for profit?
This is an important issue, and for insurers, the security of funds is a priority over the need for profit. The primary responsibility of the insurance company is to bear the risk of the customer and provide compensation, so it is important to prioritize the safety of funds and avoid the loss of funds or risk exposure. However, the idea that equity positions are low is too wishful thinking. In the investment of insurance funds, a sound investment strategy is very important. So, how should insurance funds be allocated? The scope of capital allocation of insurance companies mainly includes deposits, treasury bonds, stocks, policy loans and other real estate. Among these investments, deposits and treasuries are preferred by insurance companies. Deposits are the safest way to invest, and it is almost impossible to lose money. However, treasury bonds are held for a longer period of time, with higher interest rates and national credit as a guarantee, so the security is extremely high. These are in line with the principle of insurance companies focusing on the safety of funds. In contrast, stock trading comes with a high level of risk, but it can also lead to high rewards. As a result, insurance companies invest relatively little in stocks, mainly for safety reasons. In order to reduce risk, insurance companies usually adopt a diversification strategy, controlling the proportion of investment in a single stock, and selecting high-quality stocks with solid profitability for investment.
Therefore, even if the regulator relaxes the restrictions on the proportion of insurance companies investing in equity assets, the space for insurance companies to increase their positions in the stock market is limited. In addition, insurance companies can also invest in policy loans and other real estate. Policy loans can generate income for insurance companies, while the proportion of other real estate investments is limited. These investment methods can further diversify risk and improve investment returns. To sum up, insurance companies should follow a sound investment strategy and pay attention to the safety of funds in the allocation of funds. Deposits and treasuries are the preferred investment methods for insurance companies, while the proportion of stock investment is relatively low, so you need to pay attention to risk control and choose high-quality stocks for investment. In addition, insurers can also consider investing in policy loans and other real estate to further diversify their risk. Only under such an investment strategy can insurance companies achieve the desired return on capital investment. The allocation of insurance funds should focus on safety, but the need for income should not be ignored. Insurance companies need to carefully analyze the risks and returns of various investment methods, and make reasonable choices based on their own capital size and risk tolerance.
When choosing stocks, insurance companies need to carefully analyze the company's financial status, operating conditions, market prospects and other factors, and choose high-quality stocks with stable profitability for investment. At the same time, insurance companies should also pay attention to risk control, avoid investing too high in a single stock, and adopt a diversified investment strategy to reduce the risk of stock investment. Finally, insurers should establish a sound risk management system, regularly assess and monitor the risk profile of their portfolios, and adjust their capital allocation in a timely manner to respond to market changes. Only on the premise of ensuring the safety of funds, taking into account the need for seeking income, can we achieve long-term and stable capital appreciation. Do you think insurance companies should pay more attention to the safety of funds or the need for income in the allocation of funds? What advice do you have for insurance companies to allocate funds? Insurance funds do not favor the stock market, not because of regulatory assessment, but because the stock market has high investment risk and poor liquidity. Although insurance capital is profitable, it is also necessary to control the investment ratio within a certain range and not to take too many risks. Starting from the risk appetite of insurance funds, it is inevitable to lengthen the assessment cycle. However, there are some signs that China's stock market is changing, and the stock market has seen an unprecedented rise in status.
The country is also promoting the development of the capital market, which is an important idea of China's domestic economy. In the short term, due to administrative pressure, insurance funds should increase their positions in the capital market, but it is still unknown whether they can stay in the market. In the medium and long term, the stock market will inevitably become an important direction for the allocation of insurance funds. For individuals and funds, how to rationally view the signals released by various trends? This is something we need to think about. Proceeding from economic logic and reality, the reason why insurance funds do not favor the stock market is not the impact of regulatory assessment, but because the investment risk of the stock market is high and the liquidity is poor. Therefore, the proportion of investment should not be too high, and it needs to be controlled within a certain range. This is also the reason why insurance funds are cautious about investing in the stock market from the perspective of risk control. However, starting from the risk appetite of insurance funds, it is inevitable to lengthen the assessment cycle. In terms of actuarial investment logic, risk control, vision and sensitivity of insurance funds, it is difficult for small retail players to compare. Therefore, the areas invested by insurance funds must have dividend certainty, but the risks and returns of the market are not proportional, so insurance funds need to invest cautiously. However, there are some signs that the Chinese stock market is changing.
The status of the stock market has been unprecedentedly enhanced, and the pattern of the property market is also brewing new changes. The country is also promoting the development of the capital market, which is an important idea of China's domestic economy. Although there are still some problems and loopholes in China's stock market, the state has very clearly expressed its thinking and intention to do a good job in the capital market. In the short term, due to administrative pressure, insurance funds should increase their positions in the capital market, which will also help to boost the overall market. But it is still unknown whether it will be able to stay in the market. In the medium and long term, the stock market will inevitably become an important direction for the allocation of insurance funds. Judging from a series of movements and performances, it is clear that the country attaches more importance to the stock market. For individuals and funds, how to rationally view the signals released by various trends? This is something we need to think about. When investing in the stock market, it is necessary to pay attention not only to market performance and trends, but also to understand national policies and economic situations, as well as the analysis of various industries and enterprises. Only in this way can we better grasp market opportunities, avoid risks, and maximize returns. To sum up, the disfavor of insurance funds in the stock market is not due to the impact of regulatory assessment, but because the investment risk of the stock market is high and the liquidity is poor.
The country is promoting the development of the capital market, and the stock market will inevitably become an important direction for the allocation of insurance funds. For individuals and funds, it is necessary to rationally look at the signals released by various trends, and make investment decisions in combination with national policies and economic conditions. What are your thoughts and suggestions on this issue? Insurance funds and pension funds enter the market, and market volatility increases, should we follow up and buy the bottom? This article analyzes and discusses this topic, and summarizes the following seven points of view for readers' reference and discussion. The first point is that the market pull brought by the entry of insurance funds into the stock market is a good thing, but it is not advisable to expect too much. Although the entry of insurance capital can bring a certain amount of capital inflow, insurance capital will generally exit after entering the market quickly in a short period of time, and the risk management experience of insurance capital cannot be reversed in a short period of time. Therefore, for ordinary investors, they should remain cautious and not blindly chase high and rise, so as not to be cut leeks by the game. Second, the state encourages the capital market to be active, replacing the property market as a channel for solidifying and absorbing residents' wealth. The state attaches increasing importance to the capital market, which also shows its attitude and determination to encourage residents to invest in the capital market.
Therefore, for long-term investors, it is important to grasp the opportunity to gradually allocate assets and diversify their funds across different asset classes to reduce risks and increase returns. Third, the game of management and market takes time and process. In the capital market, the game between management and the market is unavoidable, and it will bring certain volatility risks. Therefore, investors should remain cautious and avoid blindly chasing new investments, but should choose suitable investment targets and make long-term investments according to their own risk tolerance and investment goals. Fourth, the pension and social security funds into the market, more worthy of attention. With the increase of a large number of elderly people in mainland China year by year, the investment demand for pension and social security funds has gradually increased. Therefore, the entry of pension and social security funds into the market is of great significance for the development and upgrading of the capital market. For investors, they should pay attention to the investment direction and strategy of pension and social security funds, so as to adjust their portfolios according to market trends. Fifth, lower expectations for the property market and housing prices. The state's regulation and control of the property market and housing prices has been continuously strengthened, and residents are gradually being pushed to shift their funds to other areas, such as the stock market.
Therefore, investors should appropriately lower their expectations for the property market and housing prices, and diversify their funds into different areas to reduce investment risks. Sixth, maintain a relatively rational and cautious attitude. For the current views and voices that encourage bottom-buying and increasing positions, investors should look at it with a relatively rational and cautious attitude. The operating mechanism and management rules of China's stock market are not yet perfect, and the market risk is high, so investors should choose suitable investment targets and make long-term investments according to their own risk tolerance and investment objectives. Seventh, the key to the future direction of China's capital market lies in two aspects: the adjustment of the positioning of the capital market and the degree of openness of the market. The adjustment of the positioning of China's capital market and the degree of openness of the market will determine the direction and potential of China's capital market in the future. Therefore, investors should pay attention to the country's policy guidance and adjustment direction for the capital market, and choose suitable investment targets for long-term investment based on their own investment objectives and risk tolerance. To sum up, investors should remain cautious and choose suitable investment targets for long-term investment according to their own risk tolerance and investment objectives.
At the same time, we should pay attention to the country's policy guidance and adjustment direction for the capital market, do a good job in asset allocation, and diversify funds into different asset classes to reduce risks and increase returns. Finally, it is also necessary to pay attention to investment risks and maintain a relatively rational and cautious investment attitude in order to obtain better investment returns. New Trends in Insurance Capital Guidance: In the Notice on Further Improving the Use of Insurance Funds recently issued by the Ministry of Finance to Accelerate the Service of the Real Economy, a new direction for insurance capital guidance is proposed. Different from the previous "going out" policy, the new policy emphasizes accelerating the service of the real economy, focusing on domestic infrastructure, people's livelihood and scientific and technological innovation. 1. The Failure of the Going Out PolicyIn the past few years, under the guidance of the "going out" policy, insurance funds have made a large amount of investment in overseas markets. However, this policy has lost its effectiveness. On the one hand, due to the instability of the international situation, the risk of overseas markets has increased, and the return of insurance capital is getting lower and lower. On the other hand, the domestic market is developing faster and there are more investment opportunities. Therefore, the Ministry of Finance decided to readjust the investment direction of insurance funds and accelerate the service of the real economy.
Second, the implementation plan of the new policyThe implementation plan of the new policy mainly includes the following aspects: 1. Give priority to investment in infrastructure construction. Insurers can invest in infrastructure in a variety of ways, such as participating in PPP projects, bond investments, etc. This will not only help meet the financing needs of domestic infrastructure construction, but is also expected to help insurance capital obtain stable returns. 2. Increase investment in the field of people's livelihood. In the new policy, the field of people's livelihood has been given more importance. Insurance funds can be invested in medical care, education, pension and other fields to contribute to people's livelihood. At the same time, these areas are also expected to reap high returns. 3. Increase investment in the field of scientific and technological innovation. Scientific and technological innovation is the key to achieving economic transformation and upgrading. Insurers can support scientific and technological innovation by participating in scientific and technological innovation projects and investing in innovative enterprises. This will not only yield high returns, but also boost the development of the real economy. 3. The impact of the new policyThe implementation of the new policy has a positive impact on both the insurance capital and the real economy. For insurers, the new policies can reduce risks and increase returns. At the same time, the implementation of the new policy can also promote the restructuring of the insurance asset industry and accelerate the transformation and upgrading of the industry.
For the real economy, the new policies can provide more financing channels and accelerate the development of infrastructure, people's livelihood and scientific and technological innovation. Fourth, the future outlook is foreseeable, under the guidance of the new policy, insurance capital will usher in new development opportunities. At the same time, with the development of the market and the continuous improvement of regulatory policies, the investment of insurance capital will become more and more standardized and professional. We look forward to the insurer capital being able to better serve the real economy while achieving its own sustainable development. In short, the implementation of the new policy is of great significance to both insurance capital and the real economy. As investors, we need to actively monitor the progress of new policies, grasp investment opportunities, and also pay attention to risk control.
The above content material comes from the Internet, does not represent the author's personal views, if you have any questions, please contact the author to delete, if you like my article, you can click a free "follow", welcome to express your valuable comments and suggestions on this article.