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on september 27, the state council information office held a regular briefing on state council policies to introduce the "several opinions of the state council on strengthening supervision and preventing risks to promote high-quality development of the insurance industry".

the key points of luo yanjun’s speech, director of the personal insurance supervision department of the state administration of financial supervision, are as follows:

insurance funds invested in stocks and stock funds exceeded 3.3 trillion yuan

insurance funds naturally have the properties of patient capital. in recent years, we have successively issued a series of regulatory policies, allowing insurance funds to invest in public infrastructure securities investment funds, canceling the industry scope of financial equity investment, canceling restrictions on the scale of investment in a single venture capital fund, and supporting insurance companies to play their role as value investors. and the role of institutional investors to help increase the proportion of direct financing.

up to now, long-term equity investment of insurance funds has reached 2.8 trillion yuan, and investment in stocks and stock funds has exceeded 3.3 trillion yuan. in addition, with the approval of the state council, we have promoted insurance institutions to carry out long-term stock investment pilot projects by setting up private securities investment funds. the pilot funds are currently operating well. in the future, we will expand the scope of the pilot, support other qualified insurance institutions to participate in the pilot, and continue to increase investment in the capital market.

equity assets exceed 6 trillion yuan

by the end of august, insurance funds had allocated more than 21 trillion yuan in various fixed-income assets such as bonds and bank deposits, and more than 6 trillion yuan had been invested in equity assets such as stocks, securities investment funds, and unlisted corporate equity. the overall allocation of major asset classes stable and balanced, the overall risk is controllable.

invest more than 600 billion yuan in technology companies

the investment methods of insurance funds are relatively diverse, including bonds, stocks, securities investment funds, insurance asset management products, trust plans, unlisted corporate equity, public infrastructure securities investment funds, etc.

in terms of serving major national strategies, the registered scale of insurance asset management products and insurance private equity funds to support the development of the yangtze river economic belt exceeds 1.7 trillion yuan, the scale to support the coordinated development of beijing-tianjin-hebei is nearly 750 billion yuan, and the scale to support the construction of the guangdong-hong kong-macao greater bay area the scale of product registration exceeds 430 billion yuan.

in terms of supporting technological innovation, insurance funds have invested more than 600 billion yuan in technology enterprises through listed company stocks, direct equity investment, venture capital funds, private equity funds, etc.

in addition, insurance funds have continued to increase financing support for infrastructure projects such as water conservancy, water transportation, highways, and logistics. investments have formed a number of typical projects in the fields of highways, subway construction, cold chain logistics, and air transportation.

encourage insurance companies to provide inter-temporal financial planning services

"commercial insurance annuity" is the collective name for the third pillar products developed by insurance companies. the purpose is to use simple and popular names to enhance people's understanding of commercial pension insurance and its functions, and strive to build an industry brand trusted by the masses. commercial annuities are both different and related to the first pillar basic pension insurance, the second pillar enterprise annuity and occupational annuity, which will help guide insurance companies to better play the main role in the third pillar.

next, we will promptly introduce supporting policies to scientifically define the connotation and extension of commercial annuities, and encourage insurance companies to leverage their advantages in actuarial technology, long-term product development, and long-term fund management to provide the people with rich and diverse pension security and inter-temporal finance. planning services.

in terms of personal pensions, insurance companies are required to adhere to the principles of inclusiveness and convenience, develop new and exclusive products that adapt to the personal pension system, and especially improve the convenience of insurance. in terms of product form, insurance companies are supported to create new products that are simple to understand, safe and robust, and have flexible revenue methods to meet the differentiated needs of customers of different ages and risk preferences.

encourage insurance companies to accelerate product transformation and develop floating income products. through multi-functional designs such as "personal protection + guaranteed benefits + floating income", we can improve the scientificity, effectiveness and stability of customers' full life cycle personal protection and financial planning. , allowing customers and insurance companies to achieve mutual benefit and win-win results, achieving customer peace of mind, a reliable company, and a warm industry.