低利率周期下的策略重构
随着市场无风险收益率下行，传统固收类资产收益空间收窄。保险机构正从单一依赖利差益转向多元资产配置，通过拉长资产久期以匹配负债端长期特性，旨在平滑短期波动对偿付能力的影响。
在权益投资方面，高股息与稳健成长型标的成为关注焦点。同时，另类投资如基础设施债权计划、不动产基金等占比逐步提升，以寻求非相关性收益来源。具体产品设计与投资策略需结合公司实际风险偏好制定。
- 优化资产负债匹配管理
- 增加权益及另类资产比重
- 强化信用风险甄别能力
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