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直面掌门人 | 安联人寿总经理崔毳:做中国居民养老、健康、财富长期“守护者”

Core Viewpoint - Allianz Group, as Europe's largest integrated insurance and asset management company, sees significant growth opportunities in China's aging population, health, and wealth management markets, making these areas a strategic focus for Allianz Life [1][6]. Group 1: Aging Population and Market Opportunities - The global challenge of population aging presents both challenges and opportunities, with the insurance industry uniquely positioned to manage longevity risks [2]. - By the end of 2024, China's population aged 60 and above is projected to reach 310 million, accounting for approximately 22% of the total population [2]. - There is a shift in Chinese consumers' retirement needs from mere wealth accumulation to a dual focus on "financial security + health management" [2]. Group 2: Product and Service Innovation - Allianz Life is transforming its product and service offerings to adapt to the changes of the longevity era, introducing a new "An·Future" product system with four series tailored to Chinese families [3]. - The insurance industry is expected to shift from passive compensation to proactive management in health services, enhancing social value and creating new growth opportunities [3]. Group 3: Wealth Management Strategies - In a low-interest-rate environment, commercial insurance is becoming a preferred choice for wealth management, with insurance and pensions' share of private financial assets in China rising from 7% in 2014 to 20% in 2023 [4]. - Dividend insurance products are highlighted as optimal solutions for balancing residents' wealth management needs and insurance companies' asset-liability matching requirements [4]. - Allianz Life has over 20 years of expertise in the dividend insurance sector, focusing on a robust dividend distribution mechanism, investment capabilities, risk control systems, and a professional team [4]. Group 4: Long-term Commitment and Strategic Focus - Allianz Life adheres to a "long-termism" business philosophy, leveraging professional investment management and risk control systems to create sustainable wealth value for clients [5]. - The company is actively integrating into the Chinese market, focusing on three strategic areas: retirement, health, and wealth management [6]. - Allianz Life has launched its first personal pension products, aiming to fill the gap in basic pension insurance replacement rates and contribute to a multi-tiered retirement security system [6].