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 of the article 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] - From a regulatory perspective, it is crucial for non-bank financial institutions to identify risks and prevent their rapid transmission, necessitating strengthened capital regulation and the establishment of large risk exposure limits [1] Group 2 - The insurance industry, particularly life insurance companies, faces significant challenges due to the impact of a high interest rate environment, which disrupts business models built on a low interest rate paradigm [2] - The sudden shift in the global interest rate environment and the increasing severity of climate change pose dual challenges to the insurance industry, requiring companies to adjust their business models to enhance risk resilience [2] - Climate change has multifaceted impacts on the insurance industry, necessitating revisions to actuarial assumptions, adjustments in underwriting scope, and upgrades to risk models, while also creating new market demands for property protection and asset preservation insurance products [2]