Industry Capital Supplement Rhythm from the Perspective of Solvency

Dynamic Balance Between Capital Adequacy and Solvency

Amidst tightening regulation and market volatility, insurers are optimizing their capital structures through diverse channels. Shareholder capital injections, issuance of supplementary capital bonds, and the introduction of strategic investors have become common measures aimed at enhancing core and comprehensive solvency adequacy ratios to ensure stable business operations.

• Monitor the match between actual capital and minimum capital.
• Assess the impact of a long-term decline in interest rates on the asset side.
• Assessing the rigid cost pressure on liabilities such as participating insurance

The industry is undergoing differentiated adjustments. Leading institutions can more easily access low-cost capital due to their scale, while smaller and medium-sized institutions must plan their financing timelines more precisely. Specific capital operation strategies and outcomes should be based on each company's disclosed financial reports and insurance contract terms; this does not constitute any investment guidance.