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惠譽:中國優化償付能力監管標準 可緩解保險公司資本壓力
惠譽評級認為,鑑於走出疫情的內地保險業同時面臨國內市場波動與利率走低的挑戰,中國調低保險公司部分類別投資資產的風險資本計算因子並修訂償付能力計算標準,將緩解保險公司的資本壓力,增強其償付能力充足率監管指標的穩定性。 惠譽指出,在投資環境較為不利且盈餘增長放緩的背景下,國家金融監督管理總局於2023年9月10日發布的優化措施(新規)在某種程度上回應了部分保險公司目前在維持償付能力穩定度方面所面臨的挑戰。 新規對保險公司信用狀況產生的影響或為中性,因為惠譽預期,受評保機構應不會大幅加碼對新規所涉投資類別的投資。此外,惠譽採用專屬模型評估保險公司的資本實力,並據此認為,保險公司資本充足率監管指標潛在的提升所帶來的影響將甚微。
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