However, currently, my country's insurance funds are mainly used in liquid assets such as bank deposits, bonds, stocks, and securities investment funds, and the investment channels are relatively single.
Although insurance investment has been booming in recent years, there are still some problems, such as low investment returns and poor stability; short-term investment behavior and extremely serious maturity matching problems.
Therefore, allowing insurance funds to invest in the leasing industry will have a positive effect on increasing insurance investment channels, increasing overall investment returns, and promoting reasonable matching of insurance investment periods.
The involvement of insurance funds in the leasing industry can also inject new funds into the leasing industry, strengthen the leasing industry, and enable it to better serve the development of the entire social economy.
As for how insurance companies get involved in the leasing industry, the author believes that there are the following ways: First, participate in the lending of leveraged leasing.
The so-called leveraged leasing means that the leasing company raises 20%-40% of its own funds, uses the equipment to be purchased as collateral, transfers the right to collect rent as additional guarantee, and collects most of the loan from financial institutions.
Insurance companies can lend money to the leasing company's leases and obtain relatively stable cash inflows through the leasing company's regular principal and interest payments.
The second is to establish a separate leasing department for financial leasing.
The leasing business is different from other investment businesses. It requires not only financial knowledge, but also engineering technology, legal and other knowledge. Therefore, the leasing business must be independent from other investment businesses, directly recruit relevant talents, and conduct investment business independently, while financial leasing is more similar to long-term
For mortgage loans, the risk of making such an investment is relatively low.
The third is to establish an independent leasing company.