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惠譽下調亞太區壽險行業評級展望至負面
阿思達克 03-19 16:45
評級機構惠譽表示,考慮到近期新冠病毒疫情爆發對亞太地區壽險公司信用質量造成的相關影響,惠譽已將該地區(包括中國、日本和南韓)壽險行業的評級展望從穩定調整至負面。

近幾個月以來,壽險行業面臨的不確定性大幅上升,因為金融市場受到嚴重干擾(可能會持續相當長一段時間),死亡率風險或將激增(嚴重程度在現階段尚不明確)。

全球股票市場走低及利率下行將在短期內令壽險公司的盈利、準備金和資本金承壓。長期而言,宏觀經濟環境的持續動盪可能會引發信用市場的進一步惡化,從而導致債券和貸款違約頻發,並加劇壽險公司的法定資本水平壓力。

此外,惠譽預期,部分評級展望為穩定的壽險公司將被調整為負面,而目前評級展望為負面的壽險公司短期內被調降的可能性較高。

擁有股票等高風險資產敞口的亞太壽險公司將最易受到金融市場波動的衝擊。進一步降息將加劇資產和負債之間的期限錯配,影響保險公司償付能力的穩定性。此外,持有較高比例一次性交清保費保單的保險公司將因新業務停滯引發業務增長放緩而產生現金流壓力。

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