The Treasury Department of the China Insurance Regulatory Commission issued the Notice on Adjusting the Investment Scope of Insurance Asset Management Products (Draft for Comment) in late February (hereinafter referred to as the Draft for Comment). An industry insider interprets this document as that the investment scope of insurance asset management products has increased assets such as trusts, and at the same time, the declaration of innovative target products has been clarified.

Regarding the investment scope of insurance asset management products, the current basis is the Notice on Issues Related to the Pilot Business of Asset Management Products by Insurance Asset Management Companies (hereinafter referred to as the Notice) issued by the China Insurance Regulatory Commission on February 20 13.

This regulation limits the investment scope of insurance asset management products to bank deposits, stocks, bonds, securities investment funds, central bank bills, debt financing instruments of non-financial enterprises, credit asset-backed securities, infrastructure investment plans, real estate investment plans, project asset support plans and other assets recognized by the China Insurance Regulatory Commission.

The newly released "Draft for Comment" aims to adjust the investment scope of insurance asset management products to: the investment scope of insurance funds that meet regulatory requirements, and other investment products recognized by the China Insurance Regulatory Commission, such as creditor's rights and income rights.

Extended data:

Compared with other wealth management products, asset management projects have the following advantages:

(1) Revenue: The asset management business began to be liberalized in the second half of last year. It's time to expand the market vigorously. In order to improve their competitiveness, asset management companies will charge the financiers as little as possible and give customers as much income as possible. For example, the same type of general asset management products will be about 0.5% higher than the trust.

(2) Safety: At present, the trust managers dug by the asset management company and the people who have been in charge of risk control in our financial industry for many years are doing such projects, and they have profound industry experience. Generally speaking, the financing cost of products with high security is getting lower and lower with the market changes, and they tend to provide financing for asset management companies.

At present, these 32 asset management companies are all doing the first wave of projects, so they will be more cautious in selecting projects and have higher qualification requirements for projects, so it is also a choice for customers who want to configure cost-effective fixed-income projects.

Baidu Encyclopedia-Asset Management Products