國家金融監管局降內險公司風險因子 引導資金投入股市
國家金融監督管理總局發布《關於優化保險公司償付能力監管標準的通知》,宣布在保持綜合償付能力充足率100%及核心償付能力充足率50%監管標準不變的基礎上,調低保險公司風險因子以引導資金入市,支持資本市場平穩健康發展。
《通知》提到,對於保險公司投資滬深300指數成份股,風險因子從0.35調整為0.3;投資科創板上市普通股票,風險因子從0.45調整為0.4。對於投資公開募集基礎設施證券投資基金(REITs)中未穿透的,風險因子從0.6調整為0.5。要求保險公司加強投資收益長期考核,在償付能力季度報告摘要中公開披露近三年平均的投資收益率及綜合投資收益率。
據《第一財經》報道,中國財險(02328.HK)總裁于澤稱,以財險投資的滬深300指數成份股為例,最低資本將下降將16億元人民幣,有利公司進一步加大這些方面的投資,持續服務實體經濟和科技創新的發展。國壽資管相關負責人則稱,滬深300指數成份股代表市場藍籌股,反映經濟結構最穩健、最核心的資產;科創板則體現支持國家科技創新戰略導向的作用;降低REITs的風險因子,對活躍創新產品的市場有一定意義。
另外,《通知》引導保險公司支持科技創新,保險公司投資的國家戰略性新興產業未上市公司股權,風險因子將為0.4。保險公司經營的科技保險適用財產險風險因子計量最低資本,按照90%計算償付能力充足率。
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