險資准入樓市
《大行報告》今年2月修定通過之新《保險法》明日(1日)生效，保險資金獲准投資「不動 產」。美林報告指，細則至10月底才公布，全城尤其關注險資准入樓市比例，而目前市場估計約8%-15%，但該行相信實際影響會低過市場預期，認為短期險 商不會向物業市場注入資金，反而會將部份固定資產歸類「投資資產」，釋放未確認收益，賬面值或內涵值有可能因而投升，平安信託及國 壽<02628.hk>有機會受惠，財險<02328.hk>得益最少。
而據中央財經大學保險學院教授郝演蘇估計，資金進入比例5%-8%，上限10%，按6月止保險業總資產3.71萬億人民幣計，即涉資近2000-3000億人民幣。
此外，新政策同時提高投保人權利，以新產品取替原有產品。美林表示，因險商停售舊產品前提價，故可帶動9月及10月份保費收入。(de/a)
In long run, this is good. Manulife has 4% of its total assets invested in Real Estate, I think China's life insurance companies will be about the same.
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