Involvement of the capital market in the doldrums, not even account for the third quarter net shrunk significantly, rising surrender. Experts warn that even at the risk for major pre-shrunk and the risk of misleading sales gradually exposed the dual pressure, the surrender of risk may be further expanded.
In the capital markets generally low prices, the stock fund investment proportion in more than 70% of stock-based insurance account for even the largest fall into this round of the victims. According to the World De investment consulting firm yesterday released in 2008 for the third quarter, even risk analysis, risk even in the third quarter for stock-based accounts to reach an average of 14.97 percent decline, the smallest drop of 9.24 percent, the biggest decline reached 25.30 percent. As of October 10, to life's Life "life-chi won the world" for life-insurance even for selected stock-price only accounts 0.5055 yuan to sell more than half of the initial price fell almost been cut; optimization and account balance Only the net value of 0.6944 yuan, representing an initial face value has shrunk into a 3. China and the United Kingdom and the Life of an enhanced index investment account for the sale price of 0.35645 yuan, 25.30 percent decrease over the same period, becoming the third quarter, the biggest decline in the share of investment accounts.
Investment in equity funds accounted for slightly less mixed stock-based accounts, although the rate of decline in general account for less than the former, but still a larger decline. The account of the decline in the average 10.87 percent, the minimum 2.65 percent, the biggest decline reached 17.75 percent. The mixed-type debt investment accounts as a result the bond proportion of different categories, in investment income also showed a huge difference. The mixed-type debt account the best account of the positive gains for 2.05 percent, the worst performance of the account in the same period compared with earnings -16.01%.
The main investments in bonds and the currency of the Fund's debt-and-currency accounts, the stock market was down by the impact of significantly less than the former. The bond accounts for the third quarter, only two negative income accounts, similar average 1.13 percent yield, Taikang Life sound investment income account to yield 3.61 percent yield on the list. The main currencies to invest in the Fund's currency accounts because of the risk of small-expected earnings lower, though all the accounts are being made gains, but the average income of only 0.64 percent, the highest in the currency investment income account of the top hedge ING account in the same period of earnings And only 1.28 percent.
Not even account for the risk of investment income generally lead to reduced risk for surrender even increasing pressure. This reporter has learned that in August this year to early October, there have been some areas there have been dangerous for even the focus on customer complaints surrender, demands full refund of premiums in some insurance companies, investment and even dangerous surrender of the highest rates of more than 50 %. One insurance company said, the present risk for surrender even an increasing trend in the short term may not be able to relieve.
"Cast off the risk even further surrender of risks remain." Such an insurance analyst said. Capital markets means that most of the cast remains in the doldrums even in the short term can not account for insurance Fan Hong, leading to even cast surrender the key risk factors still exist. Prior to this, insurance sales personnel to vote in even the main channel Banking and Insurance insurance sales in the process of "misleading marketing", that is, given the high security violations committed by the end of the proceeds, the potential risks in the future will be more exposed, the release of , Voted even dangerous surrender of the pressure in the short term may not subside. The potential risk for even the great risk of surrender, the relevant regulatory authorities have embarked on different levels of management. In addition to life insurance companies with real-time communication monitoring, require insurance companies to reduce investment risk even the size of the sale, the bank adjusted sales strategy, part of the regulator also ordered insurance companies, in serious cases even voted to suspend sales. This is also the date, the regulatory authorities to adopt the most stringent supervision of the emergency measures.
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