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随着我国银行存款基准利率的不断下调,以及保险市场的良性发展,我国寿险公司面临越来越大的寿险资金配置压力和增值压力,这需要提高寿险资金运用效率,创新和构建更加多元化的投资渠道来规避市场风险,进而实现寿险资金的稳定增值。本文针对低利率环境,从养老地产的视角对寿险资金在金融保险市场的投资方向进行分析。
With the continuous reduction of the benchmark interest rate of bank deposits in our country and the healthy development of the insurance market, the life insurance companies in our country are facing more and more pressure on the allocation of life insurance funds and pressure on the value-added. This requires improving the utilization efficiency of life insurance funds, creating more diversified Investment channels to avoid market risk, and thus realize the steady growth of life insurance value. In view of the low interest rate environment, this paper analyzes the investment direction of life insurance funds in the financial insurance market from the perspective of pension real estate.