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直面掌门人 | 安联人寿总经理崔毳:做中国居民养老、健康、财富长期“守护者”
Shang Hai Zheng Quan Bao· 2025-08-18 05:48
Core Viewpoint - Allianz Group, as Europe's largest integrated insurance and asset management company, sees significant growth opportunities in China's aging population, health, and wealth management markets, making these areas a strategic focus for Allianz Life [1][6]. Group 1: Aging Population and Market Opportunities - The global challenge of population aging presents both challenges and opportunities, with the insurance industry uniquely positioned to manage longevity risks [2]. - By the end of 2024, China's population aged 60 and above is projected to reach 310 million, accounting for approximately 22% of the total population [2]. - There is a shift in Chinese consumers' retirement needs from mere wealth accumulation to a dual focus on "financial security + health management" [2]. Group 2: Product and Service Innovation - Allianz Life is transforming its product and service offerings to adapt to the changes of the longevity era, introducing a new "An·Future" product system with four series tailored to Chinese families [3]. - The insurance industry is expected to shift from passive compensation to proactive management in health services, enhancing social value and creating new growth opportunities [3]. Group 3: Wealth Management Strategies - In a low-interest-rate environment, commercial insurance is becoming a preferred choice for wealth management, with insurance and pensions' share of private financial assets in China rising from 7% in 2014 to 20% in 2023 [4]. - Dividend insurance products are highlighted as optimal solutions for balancing residents' wealth management needs and insurance companies' asset-liability matching requirements [4]. - Allianz Life has over 20 years of expertise in the dividend insurance sector, focusing on a robust dividend distribution mechanism, investment capabilities, risk control systems, and a professional team [4]. Group 4: Long-term Commitment and Strategic Focus - Allianz Life adheres to a "long-termism" business philosophy, leveraging professional investment management and risk control systems to create sustainable wealth value for clients [5]. - The company is actively integrating into the Chinese market, focusing on three strategic areas: retirement, health, and wealth management [6]. - Allianz Life has launched its first personal pension products, aiming to fill the gap in basic pension insurance replacement rates and contribute to a multi-tiered retirement security system [6].
安联人寿总经理崔毳:做中国居民养老、健康、财富长期“守护者”
Shang Hai Zheng Quan Bao· 2025-08-07 18:29
Core Viewpoint - Allianz Group, as Europe's largest integrated insurance and asset management company, sees significant growth opportunities in China's aging, health, and wealth management markets, making it a strategic priority to deepen its presence in China [2][5] Aging Population and Market Opportunities - The global challenge of aging populations presents both challenges and opportunities, with insurance companies uniquely positioned to manage longevity risks [3] - By the end of 2024, China's population aged 60 and above is projected to reach 310 million, accounting for approximately 22% of the total population [2] Product and Service Innovation - Allianz Life is adapting to the changing demands of Chinese consumers by enhancing its product offerings, particularly in health and retirement financial solutions [3] - The company has upgraded its "An·Future" product system, focusing on four key product series tailored to the Chinese market: "Health," "Smooth," "Win," and "Enjoy" [3] Wealth Management Strategy - In a low-interest-rate environment, commercial insurance is becoming a preferred choice for wealth management among Chinese households, with insurance and pensions' share of financial assets rising from 7% in 2014 to 20% in 2023 [4] - Allianz Life emphasizes dividend insurance as a flexible wealth management tool, combining guaranteed and dividend benefits to meet diverse customer needs [4] Strategic Focus on China - Allianz Life is actively integrating into the Chinese market with a focus on three strategic areas: aging, health, and wealth management [5] - The company has launched its first personal pension products, aiming to fill the gap in basic pension insurance replacement rates and enhance retirement income stability for residents [5]