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                                                                                                                                                                          澳门银河娱乐场官网网址是多少:全国政协委员周延礼:安全性和流动性是险资最基本关注点

                                                                                                                                                                          2019-03-13 12:09 安阳市养生网

                                                                                                                                                                            3月11日,全国政协委员、原保监会副主席周延礼在政协经济界别驻地接受《金融时报》记者采访时表示,保险资金必须首要强调安全性,不能像VC/PE一样追逐高风险、高收益项目。

                                                                                                                                                                            安全性是第一位的。在采访中,周延礼屡次谈及保险资金投资的“红线”。他强调,“和银行类似,保险业本身属于负债经营,拿着老百姓的养命钱,就必须合理安排资产负债配置,坚持价值投资理念。要是追逐利益做成了风险投资,对投保人、受益人都没法交代。”

                                                                                                                                                                            基于此,当《金融时报》记者问及保险资金是否要作为长线资金进入股市时,周延礼认为:“监管部门非常明确地表过态,要大力支持资本市场发展。作为一种长期资金,保险资金应当按照长期价值投资的理念,在债权投资、长期股权投资等项目上发力。但是,在一定时间内,出于安全性考量,银行存款和债券的投资占比会保持在高位。”

                                                                                                                                                                            中国保险资产管理业协会去年发布的《中国保险资产管理业发展报告(2018)》也验证了这一逻辑。根据该报告,截至2017年年末,保险资金运用余额配置银行存款1.93万亿元,占资金运用余额的比例为12.92%;债券5.16万亿元,占比34.59%;而股票和证券投资基金1.84万亿元,占比仅12.30%。

                                                                                                                                                                            除了安全性,这一投资结构也与“流动性”息息相关。周延礼表示,之所以(短期)银行存款的配置要保持在15%左右,是因为一旦发生了重大事故,保险公司就必须马上理赔。如果这个时候拿不出来钱,就是流动性出了问题,也意味着风险管理方式出了问题。

                                                                                                                                                                            在追求安全性、流动性的前提下,保险资金当然也会关注收益性。周延礼表示,过去3年,保险资金的平均收益率大约在5%,高的时候可能达到7%。保险资金一直坚持稳健投资的原则。

                                                                                                                                                                            当《金融时报》记者问到科创板推出后,保险资金在投资股权方面会不会有一些策略上的变化,周延礼再次强调了稳健投资的理念。他表示,这方面一定会纳入研究。但是相对于其他资金,保险资金应该是比较谨慎的,“从监管角度来看,保险资金入市必须满足更高的要求。在防范风险、资产和负债匹配以及资金使用性质方面,监管部门对保险资金都有明确规定,一定要严格按照规定执行。”