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Data:2009-12-12 2:34
The domestic life insurance companies as soon as possible U.S. dollar policy planning and fund linked insurance products
Mr. Liu is a financial consultant. For insurance, he has always maintained that security to see domestic and overseas investors to see.
Protect the type of insurance should be purchased in the country, in case the need claims, more convenient; finance and investment, the Mainland's products are too "childish", with a big gap between similar products from overseas.
This view may not be comprehensive, fails to extreme, but recalled that the first two years of investment with Shanghai insurance surrender storm, this year's universal insurance disputes, one after another, but are also able to represent the views of many of the people of Shanghai.
At present, some foreign insurance companies are beginning to realize this problem, improvement of investment-oriented insurance products.
From the end of the year some of the trend, the U.S. dollar policy, fund linked insurance, investment products popular overseas, Chu will also be growth and development in mainland China.
AIA policy <br> and look forward to U.S. dollars 13 years ago, the first life insurance agent in China to introduce a system, like AIA now also looking forward to take the lead in the introduction of the U.S. dollar as the currency of the insurance settlement transaction.
In mid-November, American International Assurance Company chairman and chief executive Edmund Tse, Guangdong Province, attended the 2005 International Consultative Conference on Economic Development, said that allies hope to obtain permission of the machines overseas investment towards the implementation of U.S. dollars in the Guangdong pilot policy.
AIA insurance policies in recent years, suffering from underground disturbance. Before 2004, Hong Kong, AIA, with its strong marketing network, high-return insurance products, frequently sold insurance policies to Mainland residents, so angry China Insurance Regulatory Commission, which directly affect the development of our allies in the Mainland. Earlier this year, Hong Kong friends had prohibited its agents selling insurance policies to Mainland residents.
Although the allies down the ban on mainland residents to Hong Kong to buy foreign policy to other insurance companies are still not absolutely. Edmund Tse believes that the root cause lies in the mainland than the rate of return on investment of overseas insurance policies.
In accordance with the idea of Edmund Tse, at present, China Insurance Regulatory Commission has approved China Life, PICC, Ping An Insurance and three other insurance companies and friends, you can be the insurance foreign exchange funds to invest abroad.
If the allies were allowed to sell U.S. dollar policy, you can be the foreign exchange earnings in the investment rate of return the higher the use of overseas investment markets. As long as is well run, the return rate would almost certainly higher than the Mainland market.
In fact, the U.S. dollar policy as early as 2003, had appeared in in Shanghai, but does not involve finance and investment, but rather a pure protection products. Sino-Australian joint venture insurance companies in the CMG had been launched in overseas exchange and overseas travel insurance, foreign exchange, insurance, overseas accident to provide customers with security and emergency rescue services, the U.S. dollar payment, the dollar claims.
At the regulatory level, "Daily Economic News" This year in August to visit Shenzhen Zengyin underground insurance regulatory policy issues. Jun-Hui Deng made it clear that its deputy director, taking into account that many people hold the hands of foreign exchange, need to invest in the actual situation of channels, is in conjunction with foreign exchange management departments and insurance companies to explore the nature of the proposed introduction of foreign exchange with an investment in life insurance policy dividends in order to meet the market demand.
Funds linked to risk almost certain to November 24, Fidelity Fund Management Co., Ltd. won the China Securities Regulatory Commission issued the first issue of the Fidelity funds only "application acceptance letter." Fidelity Fund Board, CEO Shi Zhicheng said the company's first hybrid funds only to fund plans to release the first quarter of next year, when Prudential Life Insurance Company of its homologous Brothers will launch an investment link insurance, with the funds Profit floating connection. CITIC Prudential Life and Prudential Fund for the United Kingdom with foreign majority shareholder Prudential plc.
Professional Director of Insurance of Hong Kong Lingnan University, Professor Yu freely accept the "Daily Economic News" interview, said that in the overseas investment-oriented insurance and one or more funds which have been linked to the practice is quite common, many insurance products can also be secured, said the Fund. Compared with the direct purchase of the fund, such insurance has the advantage of capital gains tax-free threshold for low and.
In fact, Fidelity before the AIA has been introduced at the beginning of this year the bank counter sales of a "golden in the gold" investment-linked insurance (then known as the "third-generation investment related products"), similar to the fund portfolio of products.
According to this product set, customers paid for more than 99% of premiums are in the investment account, all investments in open-end fund. Of which 50% of the funds through the fund into the stock market, the remaining 50% through the Fund to invest in the bond market and currency markets.
However, the products have to stop selling. The exact cause is unknown, capital account operations can not be learned through public channels. From the sales point of view, is not ideal, the former three quarters of sales of just over 200 million yuan.
Some experts believe that the third generation of investment insurance has been in operation even with the embryonic form of overseas investment-linked insurance, but blue-chip fund products on the mainland market is not much affected the vote with insurance proceeds. In addition, the investment operations are also not completely transparent, investors can not know whether the funds invested in those varieties, and no right to choose.
Expert: should not be a one way "to eat food independence"
The idea of policy for the U.S. dollar, the Central University of Finance and Insurance department head Professor Hao Yansu to the "Daily Economic News" noted that as early as two years ago he openly raised.
Hao Yin Su said China's banks have a variety of foreign currency financial products, securities markets can invest in B shares, the insurance industry also should have a corresponding foreign exchange insurance products.
Insurance products such as the U.S. dollar could come out, which means the policy on the underground from the "block" to "infrequent," no matter how the future investment returns, or at least a great group of people who can meet the demand for foreign exchange policy.
Hao Yin Su that if the opening U.S. dollar insurance policy, not only to a company, a regional open will cause the relevant insurance policy is too focused on the flow. If the initial preparatory work has been fully, it should be across the country have qualified for all insurance companies, opening up this business.
If the U.S. dollar policy, the fund linked investment with insurance one after another, the domestic insurance consumers will undoubtedly have a greater choice, but the insurance company's investment management capabilities, as well as the Government's supervisory capacity is also a great test.
