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新台币暴涨,寿险成大雷,美元资产大规模错配
Hua Er Jie Jian Wen· 2025-05-06 01:09
尽管货币升值,中国台湾货币当局周一并未积极干预市场。BNP Paribas SA大中华区外汇和利率主管Ju Wang认为:"本地出口商正在恐慌,本地寿险公司对冲不足,而与股票相关的资金流出已经停止。央行 仍然是唯一的买家,但并未积极支持市场,这引发了货币估值可能是贸易谈判一部分的猜测。" 美元资产错配成为致命伤 据金融时报Alphaville专栏分析,中国台湾寿险业在过去十年中规模大幅扩张,并将大量资产投入美国 债券。然而,为了维持收益率,这些保险公司仅部分对冲其不断膨胀的外汇风险敞口,实际上是将其偿 付能力押注在新台币对美元保持弱势上。 新台币正经历一场史诗级反弹,这场货币风暴背后是中国台湾寿险业过去十年间对美元资产的大规模配 置,却仅部分对冲汇率风险,造成美元资产大规模错配。 周一,台币兑美元汇率一度升值超过5%,首次自2022年夏季以来突破30台币兑1美元关口。 据彭博报道,台北外汇交易量已飙升至2008年全球金融危机以来的最高水平,银行被客户咨询请求淹 没,国泰世华银行不得不在其在线应用程序上引入虚拟排队功能以"保持系统稳定"。 中国台湾最大的寿险控股公司股价遭遇重创,国泰金控和富邦金控——两大寿险巨 ...
长江研究2025年5月金股推荐
Changjiang Securities· 2025-05-05 05:11
Market Analysis - Historical reference to the market performance post-2018 tariffs indicates that industries focused on self-sufficiency, domestic demand expansion, and stable dividends performed well[4] - Future market risk appetite is expected to rise, contingent on policy changes, including potential liquidity releases from the Federal Reserve due to U.S. bond and stock market liquidity issues[4] Recommended Industries - Key industries recommended for investment include metals, chemicals, electricity, military, non-banking financials, banking, retail, social services, automotive, and computing[4] - The report emphasizes the importance of focusing on industries with self-sufficiency, domestic demand expansion, and stable dividends amid macroeconomic disturbances[4] Stock Recommendations - **Metals**: Chifeng Jilong Gold Mining Co., Ltd. (EPS forecast: 1.92 in 2025, PE: 13.8) shows strong performance potential[22] - **Chemicals**: Yara International ASA (EPS forecast: 2.42 in 2025, PE: 12.2) is positioned for significant growth due to its overseas potassium mining operations[22] - **Electricity**: Zhongmin Energy (EPS forecast: 0.36 in 2025, PE: 15.7) benefits from favorable wind resources in Fujian Province[22] - **Military**: AVIC Shenyang Aircraft Corporation (EPS forecast: 1.44 in 2025, PE: 29.7) is expected to see steady growth driven by new aircraft models[22] - **Non-Banking Financials**: New China Life Insurance Co., Ltd. (EPS forecast: 7.36 in 2025, PE: 6.5) has a strong leverage position in the market[22] - **Banking**: Jiangsu Bank (EPS forecast: 1.74 in 2025, PE: 6.0) offers high dividend yield and stable growth prospects[22] - **Retail**: Yiwu Small Commodity City (EPS forecast: 0.75 in 2025, PE: 20.7) is set to benefit from international trade reforms[22] - **Social Services**: Core International (EPS forecast: 1.46 in 2025, PE: 22.5) is leveraging AI for enhanced operational efficiency[22] - **Automotive**: Xiaomi Group (EPS forecast: 1.37 in 2025, PE: 34.7) is expected to see significant sales growth in electric vehicles[22] - **Computing**: Cambricon Technologies (EPS forecast: 2.74 in 2025, PE: 257.5) is positioned to benefit from the growing AI chip market[22]
代理店已开50+!这家寿险公司,规划“社区网络化门店”
券商中国· 2025-03-26 01:54
专属代理店是怎样一种模式?大家人寿独立代理人业务还有何规划?"行业独代看大家,大家独代看山西",券 商中国记者到山西太原了解了相关情况。 从"个人"代理人到"法人" 王平是大家人寿的独立代理人,他的门店位于山西省太原市茂业中心写字楼,于2023年6月开业。他向记者表 示,有了营业执照,他从个人代理人的自然人变为法人,身份的改变对他展业和服务客户有很大帮助。一方 面,客户对他的信任度更高,另一方面,"开店"可以享受小微企业优惠政策,节税的钱可以再投入门店经营 中,提高自己的竞争力。 "客户从最初单纯购买产品转变成了长期信赖我们门店的综合服务,也形成了良好互动的经营模式,这打破了 传统'行商'概念,而在门店场所有了具象化、场景化的营销方式。"王平说,这种服务模式打破了传统的保险产 品单向推销逻辑。 同一栋楼里还有另外2家大家人寿专属代理店。罗育燕已在保险业17年,她的门店近日开业。谈及开店的原 因,她坦言在看到王平开店后触动很大,这更利于服务客户,同时,自己也能以法人身份与体检机构等合作。 在山西,大家人寿的独代专属代理店已有6家。在大家人寿山西分公司总经理任翔洲看来,专属代理店促进寿 险营销三个转变:第一,从被 ...