宏利总裁兼首席执行官Roy Gori：我们将为中国的发展前景带来更多、更长期的确定性

大家好！ 

作为宏利的代表，我很荣幸有机会能在全球财富管理论坛2023年会上发表演讲。很高兴能与各位来宾分享金融服务行业如何应对全球不确定性带来的挑战。 

放眼当今世界，不确定性无处不在。在高风险环境下，金融服务行业有责任抵御经济波动并增强复原力。 

当前，全球风险形势由多重冲击性因素决定，如气候、网络、宏观经济、医疗环境等。这些冲击的发生频率之高，所造成的影响之深刻，实属前所未见。截止到2030年，每年因气候变化而产生的医疗成本预计将介于20到40亿美元之间；每分钟有至少一人的数据遭到泄露；电力消耗将在未来二十年里增加50%，但全球所使用能源的80%来自于化石燃料；有四亿人口未享受到基本的医疗保障。这些风险只会进一步加剧，但我们正处于全球商务新时代，我们需要具备新技能、新能力，通过协作解决此类重大问题。

宏利正积极履行自身职责，借助投资以及我们所提供的产品和服务来应对这些挑战。例如，在宏利MOVE平台上，若用户完成如外出散步、锻炼或看医生等每日目标，平台就会为他们发放奖励，希望借此方式帮助他们过上更健康的生活。我们在菲律宾推出了宏利HealthFlex产品，该医疗保险计划允许客户仅付费购买他们所需的医疗保险。为应对气候变化挑战，帮助客户践行环保理念，我们继续扩大价值670亿加元的可持续发展投资组合，所涉及领域包括可再生能源、基础设施、水、经济适用房、农田和木材等。目前，我们是全球林地投资的最大机构投资者。 

中国经济持续增长、人口结构不断变化、中产阶级强势崛起。在此背景下，市场对保险、健康、财富和退休解决方案的需求不断提高。不过，中国老龄化步伐加快，养老金体系尚处于起步阶段，也是当下中国面临的最艰巨挑战之一。要打破这项阻碍，就需要继续为养老金资产开放投资选项。我们相信，宏利和其他私营企业已做好充分准备，希望为中国构建养老金体系“三大支柱”贡献一份力量。中国的养老基金将有机会借助分散投资的方式，获得稳定且长期的风险调整回报。 

我们相信，我们所做的一切努力都将为中国的发展前景带来更多、更长期的确定性，从而实现更强势、更可持续的增长。展望未来一年，我坚信，金融服务行业将助力消除全球风险，加快推动经济发展，并帮助中国民众应对全球不确定性。 

感谢各位，预祝此次会议圆满成功。  

Hello everyone! 

Nǐ hǎo

On behalf of Manulife, I’d like to thank you for the opportunity to speak at the Global Asset Management Forum Annual Conference 2023. I’m delighted to join this distinguished panel to speak about our industry’s response to challenges amid global uncertainty. 

Today, uncertainty is all around us and the financial services industry has an important role to play to help address economic volatility and build resilience in the face of increased risk. 

Today’s risk landscape is defined by many shocks – climate, cyber, macroeconomic, and health to name a few – that are occurring at a frequency and severity perhaps never seen before in history. By 2030, the health costs from climate change are estimated to be between 2 to 4 billion dollars per year. Every minute there is 1 or more people who have their data breached. Electricity consumption is set to increase by 50 percent over the next two decades, yet 80 percent of world's energy is from fossil fuels. 400 million people do not have access to essential healthcare. These risks will only intensify, and we are entering a different era of global commerce that will require new skills, capabilities, and collaboration to solve for some of these big issues.

At Manulife, we’re doing our part to address these challenges through the investments, products, and services that we provide. For example, our Manulife Move platform helps people live healthier lives by rewarding them for achieving every day goals like going for a walk and exercising, or visiting their doctor. In the Philippines we launched Manulife HealthFlex, which is a health insurance plan that allows customers to pay only for the health coverage they need. To address climate change and help our customers contribute towards a healthier planet, we are continuing to grow our 67 billion dollar portfolio of sustainable investments, including renewable energy, infrastructure, water, affordable housing, farmland, and timber as the largest institutional investor in timberland globally.  

As it relates to China specifically, we are excited about the opportunity to introduce and strengthen some of these global solutions.  Manulife first entered China in 1897, having sold our first insurance policy in Shanghai. Today, we have expanded our footprint to 52 cities across 15 provinces. That’s why we were proud to have recently become the first foreign company to convert our joint venture in China to a 100 percent foreign-owned mutual fund company. This move demonstrates Manulife’s strong conviction and long-term commitment to the region.

China’s continued economic growth, demographic changes, and rising middle-class will all continue to drive demand for protection, health, wealth, and retirement solutions. However, China’s rapidly aging demographics and nascent pension system poses one of the greatest challenges for China today. To overcome this obstacle, we need to continue to open up investment alternatives for pension assets which we believe Manulife and the private sector is well-positioned to contribute to for all three pillars of the pension system. This would allow China’s pension funds to achieve stabilized, long-term risk-adjusted returns through diversification. 

We believe these efforts will create more certainty for China’s longer-term outlook leading to stronger and more sustainable growth. As I look to the year ahead, I am optimistic about the role we can play as an industry to help address risk, accelerate the economy, and help the Chinese people navigate global uncertainty. 

Thank you and have a great conference.  

xiè xiè.