肖远企：非银风险难识别 将强化资本监管防范风险

Group 1 - The core viewpoint emphasizes the increasing interconnectedness between non-bank financial assets and banking and insurance institutions, making risk identification and transmission more challenging [1] - The development of the private equity market provides insurance companies with more investment opportunities, but it also introduces higher potential risks due to the complexity, low transparency, and poor liquidity of private equity assets [1] - The current high interest rate environment poses significant challenges for the insurance industry, particularly life insurance companies, as many business models built on a low interest rate paradigm are becoming unsustainable [1] Group 2 - The sudden shift in the global interest rate environment and the severe challenges posed by climate change are creating dual challenges for the insurance industry [2] - Climate change has a multidimensional impact on the insurance industry, necessitating adjustments in actuarial assumptions, underwriting scope, and risk models [2] - Increased awareness of insurance among farmers following major disasters highlights the critical role of insurance in post-disaster recovery [2]