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全球化资产配置是中国保险集团在内因和外因双重驱动下的必然选择。内因是中国保险集团全球化资产配置的内在需求,外因是人民币国际化为中国保险集团全球化资产配置提供了便利条件。日本保险集团也是在日元国际化背景下,在日本国内超低利率环境和国内保险市场饱和的环境中逐步推进全球化资产配置,与当前中国保险集团面临的环境相近。东京海上控股集团作为日本领先的非寿险公司,采用不同策略分别在发达国家和新兴市场经济体进行资产配置,其全球化资产配置策略对中国非寿险公司具有一定的借鉴意义。因此,本文选取东京海上控股集团为研究对象,从日元全球化推进措施与影响开始,以大类资产配置、对发达国家战略资产配置和对东南亚地区战略资产配置为三个分析层面,逐一论述日元国际化进程中东京海上控股集团的全球化资产配置策略,希望对中国保险集团在人民币国际化背景下推进全球化资产配置提供参考。
Globalized asset allocation is the inevitable choice of China’s insurance group under the dual drive of internal and external causes. The internal cause is the inherent demand of globalization of asset allocation by China Insurance Group. The external reason is that the internationalization of RMB provides convenient conditions for the global asset allocation of China’s insurance group. Japan Insurance Group is also in the yen against the backdrop of internationalization, Japan’s domestic environment of ultra-low interest rates and the saturation of the domestic insurance market to gradually promote the globalization of asset allocation, and the current insurance environment in China are facing similar. As a leading non-life insurance company in Japan, Tokyo Marine Holding Group adopts different strategies to allocate assets in developed countries and emerging market economies respectively. Its global asset allocation strategy has some reference to non-life insurance companies in China. Therefore, this article chooses Tokyo Marine Holding Group as the research object. Starting with the measures and effects of the promotion of the yen globalization, this dissertation discusses the strategic assets allocation in developed countries and the strategic assets allocation in Southeast Asia from three aspects In the course of yen internationalization, Tokyo Marine Holding Group’s global asset allocation strategy hopes to provide reference for China Insurance Group to promote the globalization of asset allocation under the background of RMB internationalization.