谢仕荣提到，中国中产阶级迅速崛起，既善于赚钱，也懂得储蓄，财富管理业务是另一大契机。尽管银 行也在逐步转向以财富管理为主，但保险公司相较银行多了保障功能，例如可将产品包装为遗产规划工 具。此外，针对海外地区的遗产税问题，保险公司可为客户提供税务安排及相关建议，这也是保险业未 来在财富管理领域的重要机遇。要做好该领域，则需组建专门团队负责，包括产品设计和对不同地区税 务政策的深入了解。 对于保险业未来的挑战，谢仕荣表示，目前最棘手的是利率问题，有些情况下会导致收益率被压得很 低，如果公司资产与负债不匹配，处境将十分困难。 智通财经APP获悉，加入友邦64年、现年87岁的友邦保险(01299)董事会主席谢仕荣将于9月底退任。对 于保险业务前景，谢仕荣指出，虽然市场环境不断变化，但对保险业前景仍然乐观，认为未来银发市场 及财富管理业务的市场潜力巨大，发展空间广阔。寿险产品未来仍将持续演进，需不断研究哪些新市场 值得开拓。随着人口老龄化加剧，长寿人群增加，60岁以上群体占比将越来越大，而他们大多拥有积 蓄、具备财务自主能力，是一个极具发展空间且规模庞大的市场，对应产品包括退休金、年金、医疗保 健等。 汇控(00005 ...

Core Viewpoint - FWD Group Limited is currently conducting an IPO, aiming to raise approximately HKD 29.53 billion to enhance its capital levels and support growth initiatives [5] Group 1: IPO Details - FWD Group plans to offer 91.34 million shares at an issue price of HKD 38 per share, with 10% allocated for public offering and 90% for international offering [1] - The IPO subscription period is from June 26 to July 2, 2025, with shares expected to start trading on July 7, 2025 [1] - The company has secured cornerstone investors including Abu Dhabi sovereign fund's asset management company MC Management and Japan's T&D Life Insurance, with a total subscription amount of USD 250 million [1] Group 2: Market Opportunity - The total underwriting premium for the life insurance market is projected to grow from approximately USD 407 billion in 2023 to USD 579 billion by 2033, indicating significant market potential [2] - FWD Group's distribution channels include bancassurance, agents, brokers, and independent financial advisors, contributing 46.6%, 15.2%, 31.8%, and 6.5% respectively to new business value in 2024 [2] Group 3: Financial Performance - The company has experienced significant fluctuations in performance, with net insurance and investment results of approximately USD 493 million, USD 47 million, and USD 911 million for the years 2022, 2023, and 2024 respectively [2] - Corresponding net profits for the same years were -USD 320 million, -USD 717 million, and USD 10 million [4] Group 4: Debt and Financial Health - As of April 30, 2025, FWD Group has total borrowings of USD 2.786 billion, including USD 989 million in bank loans and USD 1.479 billion in subordinated notes [4] - The company also has outstanding perpetual securities with a face value of USD 950 million and a book value of USD 759 million [4] Group 5: Use of IPO Proceeds - The net proceeds from the IPO will be utilized to enhance the capital levels under the insurance group regulatory framework and to provide growth funding for operational entities [5]

宏观日报 | 2025-06-26 关注运输业产业集群建设 中观事件总览 生产行业：上海将建设世界级船舶与海工装备产业集群。 1）《上海市海洋产业发展规划（2025-2035）（征求意见 稿）》公开征求意见。其中提到，建设世界级船舶与海工装备产业集群。到2030年，船舶与海工装备产业增加值超 450亿元，大型LNG运输船本土化率提升到85%以上，基本建成原创技术策源和绿色智能引领的世界级船舶与海洋 工程装备产业体系。2）在存储晶圆原厂陆续宣布减产计划背景下，近期存储市场加速回暖，以DDR4为代表的内 存条领涨市场，在传统的IC淡季急速升温。仅间隔两周，DDR4颗粒价格翻倍，甚至部分型号价格已经追平新一代 DDR5。 服务行业：退休金无需缴纳个人所得税。 1）六部门联合印发《关于金融支持提振和扩大消费的指导意见》。其中 提出，强化结构性货币政策工具激励。设立服务消费与养老再贷款，额度5000亿元，对21家全国性金融机构以及5 家属于系统重要性金融机构的城市商业银行发放的服务消费重点领域贷款，可按照贷款本金的100%申请再贷款。2） 6月24日，北京市税务局12366纳税缴费服务热线回应纳税人咨询，表示退休金无需 ...