2024-10-01
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introduction: the core competitive factors of insurance companies are quietly changing.
the insurance industry has taken center stage recently.
on september 11, the "several opinions of the state council on strengthening supervision and preventing risks to promote high-quality development of the insurance industry" was officially released.
this policy document, known as the "ten articles of the new country", affirms the role of the insurance industry as a stabilizer in economic and social development, and provides specific guidance for the high-quality development of the insurance industry, including strengthening the joint management of assets and liabilities, and improving the soundness of retirement policies. municipal mechanisms and bankruptcy procedures, and enrich the development of pension, medical, and inclusive insurance. as soon as the document came out, it ignited the market's enthusiasm for long-selling, and insurance stocks experienced a surge.
in fact, among domestic financial institutions, insurance companies are indeed undervalued. it assumes the functions of social "stabilizer" and economic "booster", but it has not received matching market attention and valuation. the promulgation of the "new ten articles" has undoubtedly injected new impetus into the revaluation of listed insurance companies.
at present, the insurance industry is entering a new stage of development. the growth of the liability side has tended to be stable. the product structure has undergone some adjustments driven by market demand and policies. however, in terms of overall volume, it has indeed passed the stage of rapid growth. the asset side is facing changes in the investment market, and its importance has become increasingly prominent. such industry trends determine the new investment logic of the insurance industry.