保险公司2024投资成绩单出炉 配置结构持续优化 投资收益显著提升

Core Insights - The report indicates that the investment assets of insurance companies in China reached 30.55 trillion yuan in 2024, reflecting a year-on-year growth of 16.93% and accounting for 91.85% of the industry's total fund utilization [2][4]. Group 1: Asset Growth and Allocation - The investment asset scale of insurance companies has shown steady growth, with a significant portion still concentrated in the bond market, holding 15.21 trillion yuan in bonds, which is 50.7% of the total [2][3]. - The allocation structure is becoming more diversified, with stock investments and public funds (excluding money market funds) totaling 5.6 trillion yuan, and cash and liquid assets at 3.11 trillion yuan [2][3]. - The growth rates for various asset categories are notable, with mixed products (stocks and hybrids) growing by 43.25%, stocks by 30.60%, and credit bonds by 27.92% [2]. Group 2: Investment Returns - The overall investment returns for insurance companies have significantly improved, with over 60% of companies achieving a comprehensive return rate of over 4.5% [4]. - The median investment return rate is between 5% and 5.5%, with 34% of companies reporting returns above 6% [4]. - Companies with comprehensive return rates exceeding 7% tend to have a higher allocation in interest rate bonds, indicating a stable asset structure supporting returns [4]. Group 3: Equity Investment Trends - By the end of 2024, the equity investment assets of surveyed insurance companies reached 1.92 trillion yuan, representing 6.35% of total investment assets, with a year-on-year growth of 12.95% [4][5]. - The growth rate of equity investment funds is particularly strong, with an increase of 36.2%, while insurance-related equity investments in unlisted companies grew by 29.76% [5][6]. - Different types of insurance companies exhibit distinct preferences in equity investment, with life insurance companies favoring equity investment funds, while property insurance companies lean towards non-insurance unlisted company equity [6]. Group 4: Talent Structure and Development - The number of investment personnel in the surveyed insurance companies reached 3,669 by the end of 2024, with a slight growth rate of 1.36% among the companies surveyed from 2022 to 2024 [7]. - The distribution of personnel shows that larger life insurance companies and insurance groups have a higher proportion of middle-office staff, while front-office staff proportions have decreased in some cases [7].