2 1 Shi Ji Jing Ji Bao Dao·2025-03-28 14:49Core Viewpoint - Xinhua Life Insurance Company is focusing on transforming its product offerings, particularly in dividend-type products, to adapt to the low interest rate environment and meet customer wealth management needs [2][3]. Product Strategy - The company aims to enhance its product design to satisfy customer demands for wealth preservation while mitigating interest spread loss risks [2]. - Xinhua Life will increase the supply of floating and income-generating products, emphasizing the transformation of dividend-type products [2]. - The company is also strengthening its personal pension business, aligning with national social security arrangements [2]. Investment Strategy - In 2024, Xinhua Life has actively engaged in investments, including acquiring stakes in listed companies like Shanghai Pharmaceuticals and China National Pharmaceutical Group [4]. - The total investment scale reached 16,293.61 billion, with an investment return rate of 5.8% and a comprehensive investment return rate of 8.5% [4]. - The net profit attributable to shareholders increased by 201.1% year-on-year, reaching 26.229 billion [4]. Risk Management and Development - The company emphasizes the importance of balancing risk control with development, focusing on sales, product, and service capabilities [3]. - A dynamic floating interest rate pricing management mechanism will be established to enhance asset-liability management [3][5]. - Xinhua Life is committed to long-term and value-based investments, ensuring careful management of every premium [6]. Future Development Plans - The company plans to strengthen its investment sector and enhance its investment research management capabilities [7]. - Xinhua Life will implement innovative development strategies, focusing on institutional innovation and digital transformation [7][8]. - The company aims to serve the real economy and capital markets through value and long-term investments, while expanding its wealth management business [8].