香港保险密度，亚洲第一、全球第二

Core Insights - Hong Kong's insurance density ranks first in Asia and second globally, with a penetration rate of 18.2% and total gross premiums reaching HKD 637.8 billion in 2024 [1][3][4] Group 1: Insurance Market Performance - The growth of long-term insurance business is strong, with new policy premiums increasing by 21.4% compared to 2023 [3] - There are approximately 160 licensed insurance companies in Hong Kong, including three international insurance groups based in the region [3] Group 2: Development of Captive Insurance - The Hong Kong government is actively promoting the development of captive insurance, which allows companies to establish their own insurance subsidiaries for risk management [1][5] - As of August 5, 2024, there are six authorized captive insurance companies operating in Hong Kong, with two established in 2024, indicating strong demand for such services [4][5] Group 3: Regulatory and Tax Incentives - The Hong Kong government offers a 50% profits tax concession for captive insurance businesses, enhancing its competitiveness compared to other Asian markets [8] - The Insurance Authority provides regulatory conveniences, such as simplified capital requirements and exemptions from appointing certified actuaries [8] Group 4: Strategic Positioning - Hong Kong aims to strengthen its position as an international risk management center, attracting mainland and international enterprises to establish captive insurance companies [7][9] - The government and the Insurance Authority are focused on enhancing the competitive environment for the insurance industry, promoting the advantages of Hong Kong's insurance sector to international markets [9]