穆迪料中国寿险企业盈利及资本状况支持行业展望稳定
评级机构穆迪表示,中国寿险公司盈利及资本状况稳健,保费增幅回升,支持明年行业展望稳定发展。
穆迪指出,寿险公司盈利能力将受稳定的息差所支撑,鉴於近期的长期收益率有所回升,加上企业持续控制债务成本,预期投资收益率可维持约5%左右水平。
穆迪认为,衡量保险公司资本状况的偿付能力充足率应能保持强劲,预期新的中国风险导向偿付能力体系第二阶段(偿二代二期工程)的执行,可能会扩大寿险公司之间的偿付能力充足率差异,可能促使部分寿险公司通过发行资本证券,以增强其资本缓冲能力。
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