However, at present, China's insurance funds are mainly used for current assets such as bank deposits, bonds, stocks and securities investment funds, and the investment channels are relatively single. Although insurance investment has developed vigorously in recent years, there are still some problems, such as low return on investment and poor stability; Investment behavior is short-term, and the problem of term matching is extremely serious. Therefore, allowing insurance funds to invest in leasing industry will play a positive role in increasing insurance investment channels, improving the overall investment income and promoting the reasonable matching of insurance investment period. The involvement of insurance funds in the leasing industry can also inject new funds into the leasing industry, strengthen its strength and make it better serve the whole social and economic development. As for how insurance companies get involved in the leasing industry, I think there are the following ways: First, participate in the lending of leveraged leasing. The so-called leveraged lease means that the leasing company raises 20%-40% of its own funds, takes the equipment to be purchased as collateral, transfers the right to collect rent as additional guarantee, and collects most loans from financial institutions. Insurance companies can lend money to leasing companies and obtain relatively stable cash inflows through regular repayment of principal and interest by leasing companies. The second is to set up a separate leasing department for financial leasing. Leasing business is different from other investment businesses, which requires not only financial knowledge, but also knowledge of engineering technology and law. Therefore, leasing business must be independent of other investment businesses, directly recruit relevant talents, and independently carry out investment business, while financial leasing is similar to long-term mortgage loans, and the risk of making such investments is relatively small. The third is to set up an independent leasing company.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.