国家金融监管总局：保险公司持仓时间超两年的科创板上市普通股的风险因子从0.4下调至0.36

Core Points - The National Financial Regulatory Administration has adjusted the risk factors for insurance companies' related business, specifically lowering the risk factors for certain stock holdings and insurance premium risks [1][2]. Group 1: Risk Factor Adjustments - The risk factor for stocks in the CSI 300 Index and the CSI Dividend Low Volatility 100 Index held for more than three years has been reduced from 0.3 to 0.27, based on a weighted average holding period over the past six years [1]. - The risk factor for ordinary shares listed on the Sci-Tech Innovation Board held for more than two years has been decreased from 0.4 to 0.36, determined by a weighted average holding period over the past four years [1]. Group 2: Insurance Premium Risk Factors - The risk factor for export credit insurance and overseas investment insurance premiums has been lowered from 0.467 to 0.42, while the reserve risk factor has been reduced from 0.605 to 0.545 [2]. Group 3: Internal Control and Management - Insurance companies are required to enhance internal controls, accurately measure stock holding periods, and continuously improve long-term fund investment management capabilities [2]. - There is an emphasis on strengthening solvency management, ensuring accurate measurement of various risk capital requirements, and maintaining the authenticity and completeness of solvency data [2].