Cui Wei: First, the payment period is short, a long time benefit: customers can choose according to their own circumstances or the 5-year 10-year cross-cross, but the period of insurance and 15 years, 20 years, 25 years 30 years from the medium to long term, and other options to meet customer demand for risk protection.
sixth stock. First, China's macroeconomic fundamentals in 2011 to support the stock market continue to rise, there is no reason for excessive pessimism. Second, macroeconomic overheating, fundamental support is too weak, no more than 30% upside, there is no reason to blindly optimistic. Third, the policy side, systematic and market factors determine the surface will increase the market volatility, the short-term volatility will be expanded.
with Lu Kai
Reporter: Heng An Standard happiness foolproof Annuity Insurance (Participating) in the core strengths and diversity of functions and how?
third fund. On the one hand, the rate hike would fund increased the attractiveness of financial products. The world, including China's macro economy there are many uncertain factors will increase the demand for these healthy products. On the other hand, the fund industry expanded too fast, experts do not highlight the financial management professional. In addition, the function is rather simplistic.
Peking University, deputy director of China Center for Financial Research
First, the powerful security features - good fiscal management on the premise that security. Insurance products in the financial products to provide the most comprehensive personal risk protection, in case the risk occurs, you can get insurance money to compensate for a variety of economic losses, in order to ensure financial planning is still carried out smoothly.
Second, investment and financial management capabilities - many insurance products currently on the insurance fund also has a function of increasing the value, meaning that customers can not only pay the full return of premiums, but also in the obtained on the basis of certain guarantees and dividend income, played the role of financial security and value.
Cui Wei: Each has its particular financial instruments, the value, the insurance financial risk management tools as a financial one, it is not only reflected in the macro for the role in promoting national economic development, but also in ensuring social to play a harmonious and stable development of the role of social stabilizer. Specifically, the insurance products in the core functions of financial management is mainly reflected in two aspects:
2010, the central economic work meeting, inflation has given the economy of China's most important task in 2011. Hard to reverse inflation expectations in the face of complex economic change in the situation, the average consumer to choose a suitable financial instruments? Recently, this newspaper has invited well-known economist in China Finance Research Center of Peking University, Lu, deputy director with the Kai, Heng An Standard Life Insurance Company Limited Cui Wei, general manager of product development, talked about the domestic macroeconomic situation and the opportunity to share personal wealth growth.
Secondly, the real estate. I make a prediction, the real estate industry in 2011 is at best reduce the rate of increase, the growth rate slowed down. This time, relatively high real estate prices starting point, or relatively small, taking up the full funding, liquidity is relatively low, inflexible and attractive small. If it is not rigid requirements, the house itself is not a good investment choice.
Second, the contract expires, the full return of premium pay, financial security is guaranteed.
Cui Wei
with Kai Lu: economic growth and to measure the global mainstream, the mainstream will see that the situation is far from pessimistic we think. First, economic growth and the industrial added value, economic recovery, the trend has not changed, we are up in 2011 to maintain the momentum of the Chinese economy, there should be full of confidence. Second, the economic growth of the When in 2009 the Chinese economy is investment in fixed assets by the wheelbarrow. But for 2010, fixed asset investment up 22.4% in October, 18.6% growth in consumption, imports and exports grew 36.3%, export growth rate of 34%. The year of 2009, if we have confidence in the macroeconomic, 2010 and 2011 to keep pace troika is no reason to promote the Chinese economy over-pessimistic.
Reporter: With the intensification of inflationary pressures, face a lot of investment channels, the more people know what to do, you have any suggestions?
the product actually functions in the hands of customers will be more diversified, the reason for the product named One is annuity, for the medium-term to buy a house, change the lives of target substances such as reserves, etc.; the second is experience.
Reporter: In the current economic situation, Heng Heng An Standard Life introduced the standard being foolproof Annuity Insurance (Participating), can be said to be the potential out, please tell us about this product development background.
Third, the contract for 5 years, customers can effectively each year to receive the sum insured equivalent to 6% or 12% of the insurance money, with the growth of the sum insured, the more the higher collar: It should be said This product fully reflects the amount of dividends British security features, focusing on capital accumulation effect, the capital precipitated a period of time, leading to better earnings and gradually released after 5 years to the customer, the amount continues to grow with the dividends, which makes insurance is also increasing survival, taking into account the value of customer funds and flexibility to the demand.
Reporter: For the Game of ordinary investors with inflation, you can offer them some advice?
Cui Wei: and long-term finance and investment for future strong demand. The stocks, funds, unsatisfactory performance of financial markets and high prices and huge cash holdings and the cost of housing so that more consumers are financing much of a hand did not know what the feeling, do not worry about investing money in the hands of the depreciation of the investment risks are also worried that most of the tools! For the vast majority of consumers in terms of their investment not only for the purpose of increasing the value, more to the many needs for the future fully prepared.
Reporter: stock market, inflationary pressures, the inflow of hot money, real estate prices remain high ... ... in these economic phenomena is behind some people's concerns. Your current macro-economic situation China faces how to treat?
Heng, general manager of product development at Standard Life
Reporter: In the inflationary environment, consumers pay more attention to financial management tools, you can tell us about the insurance products in the core functions of financial management?
with Kai Lui: I have investors concerned about the financial products recommended Is the mobility, safety, profitability. Highly liquid and safe, taking into account the profitability of financial products, consumers should be the investment of choice. In addition, to remind everyone concerned about the function of complex products, highlighting their product superiority, more robust performance.
with Kai Lu: We take a look at several popular economic phenomenon. More relevant to our daily lives is the interest rate, interest rates should be about the overall negative side, but had different effects on different industries. Relatively high rate of trade balance should be negative, but the air exceptions. Good debt ratio is relatively low key industries, such as banking, insurance, financial products, as well as beverages, alcohol, consumption, especially in insurance products.
Fifth, gold and other physical commodities. It costs the U.S. dollar interest rates are linked, if depreciation of the dollar value of these commodities rose sharply, if the U.S. dollar, the prices of these commodities will fall. This means that its volatility is relatively strong.
fourth, and insurance. With the funds, interest rates will increase the attractiveness of insurance and financial products. At the same time, macroeconomic uncertainty, the insurance will increase the demand for these robust products. Coupled with China's basic is the Specifically, first, the insurance is fairly standard. Second, the insurance function of the first with a guarantee, as well as financial management functions. Complex financial products are the advantages of the insurance, the customer itself is equivalent to the protection of the value of customer benefits.
Fourth, the product also provides customers with a Death Benefit / accident total disability protection / specific traffic accidents such as death and total disability protection, reflects the essence of insurance.
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