Because it can increase market transparency and standardize the market. Insurance asset management products shall be issued to qualified investors in a non-public manner. Insurance asset management products are essentially private equity products and do not need to abide by the rules of listed products. So their investment scope is more like a trust plan, which can invest almost all creditor's rights and interests. However, due to the long-term nature of products, long-term assets, such as transportation, energy, water conservancy and other infrastructure projects, are usually selected.

1. Natural persons are included in the scope of investors. It is stipulated that qualified investors refer to natural persons, legal persons or other organizations established according to law, with corresponding risk identification and risk-taking ability, and the investment in a single product is not less than a certain amount and meets the requirements. Among them, natural persons should have more than two years of investment experience, and the family financial net assets are not less than 3 million yuan, the family financial assets are not less than 5 million yuan, or the average annual income in the last three years is not less than 400,000 yuan; The legal person or other organization established according to law has a net asset of not less than 654.38+million yuan at the end of the most recent year, or other circumstances that the CBRC considers meet the requirements of qualified investors. Interpretation: Prior to this, insurance asset management products were only sold to institutional investors. The Measures added that insurance asset management products can be sold to qualified natural persons, and the sales threshold is in line with the new asset management regulations, which basically meets the requirements of private equity funds for qualified natural persons. Insurance asset management is also expected to formally include high-net-worth individuals in the customer base of insurance asset management products.

2. It can be sold by financial institutions. Insurance asset management institutions can sell insurance asset management products by themselves, or entrust qualified financial institutions and other institutions recognized by the China Insurance Regulatory Commission to sell insurance asset management products. Interpretation: The sales channels of insurance asset management products will also be expanded. These measures are designed to meet the requirement that insurance asset management products can be sold to natural persons. Previously, insurance asset management products could not be sold in banks. However, individual investors can only buy three types of institutions: insurance asset management institutions, commercial banks, insurance companies, internet channels and wealth management companies, which are not within the scope of sales organizations.

3. The investment threshold is 300,000 yuan: the amount invested in a single fixed-income product shall not be less than 300,000 yuan; The investment of mixed products shall not be less than 400,000 yuan; The amount invested in a single equity product, a single commodity and a financial derivative product is not less than 6,543,800 yuan. Where insurance asset management products invest in non-standardized creditor's rights assets, the amount of entrusted funds of a single qualified investor shall not be less than 6,543,800 yuan. Interpretation: The investment threshold meets the requirements of the securities and futures asset management plan. These four categories distinguish the nature of products, and the minimum equity investment is 80%. Insurance asset management products are divided into fixed income products, equity products, commodity and financial derivatives and mixed products according to the nature of investment.