올해 말부터 생명보험사가 갖고있던 알짜 주식/채권들이 시장에 쏟아질 예정입니다.

<p> </p><p><a href="https://cafe.daum.net/dobongbak/OHGe/195" target="_blank" class="ke-link">대동 도시 사회 경제 포럼 | 2024년 1분기 생명보험사 RBC 지급여력비율 - 나이스신용평가 - - Daum 카페</a></p><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1OaUj/5d59bff23fa6f5794242cbff88fb13f36a92a040" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1OaUj/5d59bff23fa6f5794242cbff88fb13f36a92a040" data-origin-width="976" data-origin-height="390"></div><p> </p><p><br><br></p><p style="text-align: center;"><span style="font-family: 'Noto Sans Light';" data-ke-size="size23">◆ 2024. 10월 8일 공시 기준  국내 보험사별 RBC (지급여력비율<span data-ke-size="size18">%</span>)</span></p><div class="table-wrap"><table data-ke-type="table" data-ke-align="alignLeft" style="width: 100%; height: 124px;" border="1"><tbody><tr style="height: 18px;"><td style="width: 28.8366%; height: 18px;"></td><td style="width: 37.0669%; height: 18px; text-align: center;"><span style="font-family: 'Noto Sans Light';" data-ke-size="size23">2020. 12</span></td><td style="width: 34.0966%; height: 18px; text-align: center;"><span style="font-family: 'Noto Sans Light';" data-ke-size="size23">2024. 6  </span></td></tr><tr style="height: 42px;"><td style="width: 28.8366%; height: 42px; text-align: center;"><br><span style="font-family: 'Noto Sans Light';" data-ke-size="size23"> 생명보험사</span><br><br></td><td style="width: 37.0669%; height: 42px; text-align: center;"><span style="font-family: 'Noto Sans Light';" data-ke-size="size20">208.7 %</span></td><td style="width: 34.0966%; height: 42px; text-align: center;"><span style="font-family: 'Noto Sans Light';" data-ke-size="size20">191.7 %</span></td></tr><tr style="height: 64px;"><td style="width: 28.8366%; height: 64px; text-align: center;"><span style="font-family: 'Noto Sans Light';" data-ke-size="size23"> 손해보험사 </span></td><td style="width: 37.0669%; height: 64px; text-align: center;"><span style="font-family: 'Noto Sans Light';" data-ke-size="size20">268.0 %</span></td><td style="width: 34.0966%; height: 64px; text-align: center;"><span style="font-family: 'Noto Sans Light';" data-ke-size="size20">211.3 %</span></td></tr></tbody></table></div><p style="text-align: center;"> </p><p style="text-align: center;"> </p><p style="text-align: center;"><span style="font-family: 'Noto Sans Light';" data-ke-size="size20"><span style="color: #333333; background-color: #ffffff;" data-ke-size="size23">◆</span><span data-ke-size="size23"> 금리인하가 보험사의 운용자산 수익률에 끼치는 영향  (2020년 측정)</span></span></p><div class="table-wrap"><table data-ke-type="table" data-ke-align="alignLeft" style="width: 100%; height: 80px;" border="1"><tbody><tr style="height: 18px;"><td style="width: 33.9109%; height: 18px;"></td><td style="width: 33.0446%; height: 18px;"><span style="font-family: 'Noto Sans Light';">국채 10년물 금리  1.8%p 인하시</span></td><td style="width: 33.0446%; height: 18px;"><span style="font-family: 'Noto Sans Light';">금리인하가 보험사에 미치는 영향</span></td></tr><tr style="height: 31px;"><td style="width: 33.9109%; height: 31px; text-align: center;"><span style="font-family: 'Noto Sans Light';" data-ke-size="size23"> 생명보험사</span></td><td style="width: 33.0446%; height: 31px;"><span style="font-family: 'Noto Sans Light';">운용자산 수익률 1.5%p 하락 ▼ </span></td><td style="width: 33.0446%; height: 62px;" rowspan="2"><span style="font-family: 'Noto Sans Light';">자본비율관리 부정적 -> 자본비율하락</span><br><span style="font-family: 'Noto Sans Light';"> <u><b>손실 회피 목적으로</b></u> <br><u><b> 자산 처분이익 전략 택함</b></u></span><br><br><span style="font-family: 'Noto Sans Light';">CSM 보험계약마진규모 하락  </span><br><span style="font-family: 'Noto Sans Light';">(장기성보험 타격 극대화  생명보험 多)</span></td></tr><tr style="height: 31px;"><td style="width: 33.9109%; height: 31px; text-align: center;"><span style="color: #333333; font-family: 'Noto Sans Light';" data-ke-size="size23"> 손해보험사 </span></td><td style="width: 33.0446%; height: 31px;"><span style="font-family: 'Noto Sans Light';"> 운용자산 수익률 0.6%p 하락 ▼  </span></td></tr></tbody></table></div><p style="text-align: center;"> </p><p style="text-align: center;"> </p><p style="text-align: center;"> </p><p style="text-align: center;"><span style="color: #333333; background-color: #ffffff; font-family: 'Noto Sans Light';" data-ke-size="size23"> ◆ 국내 보험사들이 보유하고있는 운영자산 목록과 규모 </span></p><p style="text-align: center;"><span style="color: #333333; background-color: #ffffff; font-family: 'Noto Sans Light';" data-ke-size="size18">한국신용평가 2024. 10. 8 공시기준</span></p><div class="table-wrap"><table data-ke-type="table" data-ke-align="alignLeft" style="width: 100%; height: 216px;" border="1"><tbody><tr style="height: 18px;"><td style="width: 37.0064%; height: 18px;"><span style="font-family: 'Noto Sans Light';"> 생명보험사 + 손해보험사  운용자산 목록 </span></td><td style="width: 62.9936%; height: 18px;"><span style="font-family: 'Noto Sans Light';">규모</span></td></tr><tr style="height: 18px;"><td style="width: 37.0064%; height: 18px; text-align: right;"><span style="font-family: 'Noto Sans Light';">운용자산</span></td><td style="width: 62.9936%; height: 18px;"><span style="font-family: 'Noto Sans Light';">766조</span></td></tr><tr style="height: 18px;"><td style="width: 37.0064%; height: 18px; text-align: right;"><span style="font-family: 'Noto Sans Light';">유가증권</span></td><td style="width: 62.9936%; height: 18px;"><span style="font-family: 'Noto Sans Light';">626조</span></td></tr><tr style="height: 18px;"><td style="width: 37.0064%; height: 18px; text-align: right;"><span style="font-family: 'Noto Sans Light';">국공채</span></td><td style="width: 62.9936%; height: 18px;"><span style="font-family: 'Noto Sans Light';">229조</span></td></tr><tr style="height: 18px;"><td style="width: 37.0064%; height: 18px; text-align: right;"><span style="font-family: 'Noto Sans Light';">특수채</span></td><td style="width: 62.9936%; height: 18px;"><span style="font-family: 'Noto Sans Light';">87조</span></td></tr><tr style="height: 18px;"><td style="width: 37.0064%; height: 18px; text-align: right;"><span style="font-family: 'Noto Sans Light';">금융채</span></td><td style="width: 62.9936%; height: 18px;"><span style="font-family: 'Noto Sans Light';">16조</span></td></tr><tr style="height: 18px;"><td style="width: 37.0064%; height: 18px; text-align: right;"><span style="font-family: 'Noto Sans Light';"><b>회사채</b></span></td><td style="width: 62.9936%; height: 18px;"><span style="font-family: 'Noto Sans Light';"><b>45조</b></span></td></tr><tr style="height: 18px;"><td style="width: 37.0064%; height: 18px; text-align: right;"><span style="font-family: 'Noto Sans Light';">수익증권</span></td><td style="width: 62.9936%; height: 18px;"><span style="font-family: 'Noto Sans Light';">76조</span></td></tr><tr style="height: 18px;"><td style="width: 37.0064%; height: 18px; text-align: right;"><span style="font-family: 'Noto Sans Light';">그외 주식/출자금</span></td><td style="width: 62.9936%; height: 18px;"><span style="font-family: 'Noto Sans Light';">47조</span></td></tr><tr style="height: 18px;"><td style="width: 37.0064%; height: 18px; text-align: right;"><span style="font-family: 'Noto Sans Light';">기타</span></td><td style="width: 62.9936%; height: 18px;"><span style="font-family: 'Noto Sans Light';">- </span></td></tr><tr style="height: 36px;"><td style="width: 37.0064%; height: 36px; text-align: right;"><span style="font-family: 'Noto Sans Light';"><b>자본비율하락에 의해 <br>위험가중치 높은 자산부터 <br>일부 매각할 가능성 농후</b></span></td><td style="width: 62.9936%; height: 36px;"><span style="font-family: 'Noto Sans Light';"> 보험사 소유의 회사채와 수익증권 주식의 전체규모 =  약 "168조"</span></td></tr></tbody></table></div><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1OaUj/cf65cbb76655f321f5854382473d3b1ce5c328c2" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1OaUj/cf65cbb76655f321f5854382473d3b1ce5c328c2" data-origin-width="1091" data-origin-height="742"></div><div class="table-wrap"><table data-ke-type="table" data-ke-align="alignLeft" style="width: 100%;" border="1"><tbody><tr><td style="width: 100%;" colspan="2">금리인하 = 부채상승 + 자본감소 -> 요구자본 확대 </td></tr><tr><td style="width: 50%;"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1OaUj/b48b2c891294a08426f72784c217e514a5deb6f8" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1OaUj/b48b2c891294a08426f72784c217e514a5deb6f8" data-origin-width="762" data-origin-height="720"></div><br><br></td><td style="width: 50%;"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1OaUj/4f4f6097027b8f18fe2578d2d26e73a4594cd1cb" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1OaUj/4f4f6097027b8f18fe2578d2d26e73a4594cd1cb" data-origin-width="769" data-origin-height="717"></div></td></tr></tbody></table></div><p style="text-align: center;"> </p><p style="text-align: center;"><span style="font-family: 'Noto Sans Light';"><span style="color: #333333; background-color: #ffffff;" data-ke-size="size23">◆  Q. 올해 보험사 미지급률이 높은데  </span><span style="color: #333333; background-color: #ffffff;" data-ke-size="size23">지금 손해보험 해지해야하나요?<br><br>A. <u><b>손해보험 절대 해지하지마세요.</b></u> </span></span></p><p style="text-align: center;"><span style="font-family: 'Noto Sans Light';">. </span></p><p style="text-align: center;"><span style="font-family: 'Noto Sans Light';">손해보험 보증률은 가입기간만큼 올라가게 되어있습니다.</span></p><p style="text-align: center;"><span style="font-family: 'Noto Sans Light';">중도 해지하면 중도해약금 뜯깁니다.</span></p><p style="text-align: center;"><span style="font-family: 'Noto Sans Light';"> 그만큼 보험사 처분 이득입니다.</span></p><p style="text-align: center;"> </p><p style="text-align: center;"><span style="font-family: 'Noto Sans Light';">손해보험은 재가입이 빈번하면 보증 할증료가 따블입니다.</span></p><p style="text-align: center;"><span style="font-family: 'Noto Sans Light';">특히 3세대까지가 가장 할증률이 낮고, 보증률이 높습니다. </span></p><p style="text-align: center;"><span style="font-family: 'Noto Sans Light';"><u> (3,4세대는 절대 해지하지 마세요)</u></span></p><p style="text-align: center;"><br><span style="font-family: 'Noto Sans Light';">현재언론의 보험사 미보증률 선동은 </span></p><p style="text-align: center;"><span style="font-family: 'Noto Sans Light';">보험나이에 따른  <b>보험인상률이 가장 높은 5,6세대 상품</b>을 영업하려는 목적이구요</span></p><p style="text-align: center;"><span style="font-family: 'Noto Sans Light';">재보험사기 & 언론 공작입니다.</span></p><p style="text-align: center;"> </p><p style="text-align: center;"><span style="font-family: 'Noto Sans Light';">금리인하로 보험사 중 생명보험사만 재정에 타격이 갈뿐,,</span></p><p style="text-align: center;"><span style="font-family: 'Noto Sans Light';">손해보험사에 영향 별로 안갑니다. </span></p><p style="text-align: center;"> </p><p> </p><p> </p><p> </p><p> </p><p> </p><div class="table-wrap"><table data-ke-type="table" data-ke-align="alignLeft" style="width: 100%; height: 36px;" border="1"><tbody><tr style="height: 18px;"><td style="height: 18px;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1OaUj/d1784cff3b444aa557abea5564aa8ea7e302b886" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1OaUj/d1784cff3b444aa557abea5564aa8ea7e302b886" data-origin-width="1181" data-origin-height="37"></div></td></tr><tr><td style="width: 100%;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1OaUj/8fb17c55a8651cfde7192b9bfabdbfeea4ba9212" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1OaUj/8fb17c55a8651cfde7192b9bfabdbfeea4ba9212" data-origin-width="1209" data-origin-height="48"></div></td></tr><tr style="height: 18px;"><td style="width: 50%; height: 18px;"><span style="font-family: 'Noto Sans Light';"> <a href="https://kisrating.com/research/total_search_new.do" target="_blank" class="ke-link">한국신용평가 (kisrating.com)</a> </span></td><td style="width: 50%;"><span style="font-family: 'Noto Sans Light';"> 본 보고서 유료화 예정</span></td></tr><tr><td style="width: 50%;"><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1OaUj/f1c59926e13c4a18cbb936cc3509ee553b376217?download" data-file-name="금융산업 전망_전체.pdf" data-file-size="18006609" data-mimetype="application/pdf" data-ke-align="alignCenter"><a href='javascript:fileFilterViewer("https://t1.daumcdn.net/cafeattach/1OaUj/f1c59926e13c4a18cbb936cc3509ee553b376217?download", "/cafeattach/1OaUj/f1c59926e13c4a18cbb936cc3509ee553b376217", "금융산업 전망_전체.pdf", "grpid%3D1OaUj%26fldid%3DOIzD%26dataid%3D378%26fileid%3D4%26regdt%3D20241008201010&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1OaUj%2Ff1c59926e13c4a18cbb936cc3509ee553b376217")'><div class="image"></div><div class="desc"><div class="filename"><span class="name">금융산업 전망_전체</span><span class="type">.pdf</span></div><div class="size">17.17MB</div></div></a></div></td><td style="width: 50%;"><span style="font-family: 'Noto Sans Light';">2025 금융산업 전망<br>하나금융투자연구소<br><br>2025 전세시장 전망  - 최악.</span></td></tr></tbody></table></div>