According to statistics, in the past three years, the insurance industry has issued more than 100 billion yuan in debt. According to industry analysts, this round of capital supplementation is not only a strategy for a single company to deal with capital pressure, but also reflects the challenges faced by the entire insurance industry in terms of business expansion, improved solvency, and asset liability management. A number of experts pointed out that increased solvency supervision requirements and continued business expansion brought about capital consumption and changes in the market interest rate environment, which together boosted the demand for insurance companies to replenish capital through debt issuance. At the same time, debt issuance and financing is an important exogenous route of capital replenishment. The cost is low in the current low interest rate environment, but long-term “self-hematopoietic” ability is still the core of insurers' continued steady operation.

According to statistics, in the past three years, the insurance industry has issued more than 100 billion yuan in debt. According to industry analysts, this round of capital supplementation is not only a strategy for a single company to deal with capital pressure, but also reflects the challenges faced by the entire insurance industry in terms of business expansion, improved solvency, and asset liability management. A number of experts pointed out that increased solvency supervision requirements and continued business expansion brought about capital consumption and changes in the market interest rate environment, which together boosted the demand for insurance companies to replenish capital through debt issuance. At the same time, debt issuance and financing is an important exogenous route of capital replenishment. The cost is low in the current low interest rate environment, but long-term “self-hematopoietic” ability is still the core of insurers' continued steady operation.