本报记者 杨笑寒 近日，中国保险行业协会发布《中国保险业社会责任报告（2024）》（以下简称《报告》）显示，2024 年，保险业坚持改革创新，全力服务高水平对外开放。外资持续看好中国保险市场，外资保险机构在华 业务增长18%，高于全国平均水平14.5个百分点；赔付支出增长45%，高于全国平均水平25.6个百分 点。 受访专家表示，外资频频加码我国保险行业，主要受行业持续推进高水平对外开放、市场潜力巨大、外 资长期价值认同等因素影响。 多举措布局保险行业 近年来，外资通过设立新保险机构、成为新股东或增加注册资本等多种方式布局我国保险行业。 在新设保险机构方面，今年以来，已有4家新保险机构获发保险许可证，其中，北京法巴天星财产保险 股份有限公司和保德信保险资产管理有限公司的设立均有外资参与。同时，今年6月份，国家金融监督 管理总局发布行政批复，同意荷兰全球人寿保险集团筹建荷全保险资产管理有限公司，以及友邦人寿保 险有限公司筹建友邦保险资产管理有限公司。 在新增股东方面，国民养老保险股份有限公司（以下简称"国民养老"）此前公告显示，拟以发行新股增 资方式引入一家战略投资人，即安联投资有限公司（Allianz Glo ...

Core Insights - The Chinese insurance industry is experiencing significant growth, particularly from foreign investment, with foreign insurance institutions in China seeing an 18% increase in business, surpassing the national average growth rate of 14.5% [1] - The report highlights a 45% increase in claims expenditure from foreign insurance companies, which is also above the national average increase of 25.6% [1] Group 1: Foreign Investment Trends - Foreign entities are actively entering the Chinese insurance market through various methods, including establishing new insurance institutions and increasing registered capital [2] - Four new insurance institutions have received licenses this year, with foreign participation in companies like Beijing La Banque Postale Tianxing Property Insurance Co., Ltd. and Prudential Insurance Asset Management Co., Ltd. [2] - Strategic investments are being made, such as Allianz Global Investors acquiring a 2% stake in Guomin Pension Insurance Co., Ltd. through a capital increase [2][3] Group 2: Market Potential and Strategic Shifts - The acceleration of foreign investment in China's insurance sector is driven by the country's ongoing financial openness, including the removal of foreign ownership limits and streamlined approval processes [3] - The Chinese insurance market is still in a deep development phase, with low per capita premiums and insurance density, alongside increasing demand for long-term protection and wealth management due to aging population and rising wealth [3] - Foreign insurers are transitioning from initial market entry to deeper engagement, aiming to establish a comprehensive localized operational system across life insurance, property insurance, and asset management [3] Group 3: Performance of Foreign-Backed Insurers - Foreign-backed insurance companies have shown strong performance in net profit and investment returns, with five out of the top ten non-listed life insurance companies by net profit being foreign or joint ventures [4] - These companies benefit from mature governance structures and efficient risk management, allowing them to achieve higher investment returns even in low-interest environments [4] - The focus on high-end clients and long-term savings products contributes to better underwriting profits and premium stability, enhancing overall profitability compared to industry averages [4] Group 4: Competitive Landscape and Market Dynamics - The entry of foreign capital into the Chinese insurance market is expected to stimulate market vitality and shift competition from price wars to service and quality [5] - This influx of foreign expertise may intensify competition for talent and high-end clients but is likely to drive overall industry progress and provide consumers with more quality choices [5]