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《大行報告》里昂對內地壽險謹慎看法加強 行業首選友邦(01299.HK)和財險(02328.HK)
里昂發表報告指,對內地銀行保險銷售渠道進行調查,發現銀行普遍推銷較低風險的財富管理產品,而保險產品並非首選推銷對象,情況與今年5月底進行調查時不同,保險產品熱度減退屬該行預期之內,同時監管指引亦限制「開門紅」銷售,可能導致明年1月的銷售顯著減少,對內地壽險的審慎看法加強,行業首選仍然是友邦(01299.HK)及財險(02328.HK),相信兩者在宏觀環境挑戰中,較具防守性。 該行指,當局限制「開門紅」銷售,中國平安(02318.HK)將受最大影響,因為公司已經開始相關預售,其次是國壽(02628.HK),而太保(02601.HK)並無「開門紅」銷售計劃,因此未受影響。該行認為,長遠而言,相關限制有助減少不理性的行業競爭。
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