German insurers hold €2.8 trillion but regulatory brakes keep startup funding in the ‘Valley of Death’Executive summary: The commentary highlights that German insurers, pension funds and foundations manage around €2.8 trillion, but only a fraction is directed to startups due to regulatory constraints. It points to three concrete regulatory brakes that must be lifted to enable greater financing. It matters because unlocking this capital could substantially boost German startup growth, innovation and international competitiveness. The key actors are German insurance companies, pension funds, foundations, domestic startups, and policymakers who control the regulatory environment. The likely next step is for policymakers to address the identified brakes through legislative or administrative actions, potentially leading to new funding mechanisms for startups.The commentary notes that German insurers, pension funds and foundations manage roughly €2.8 trillion, yet only a small share reaches growth companies because of three specific regulatory constraints. It identifies these brakes as necessary reforms for unlocking capital. No speculation on outcomes is made; it merely outlines the identified obstacles.Connected developmentsInsurance capital and regulatory brakes for growth firmsEmerging AI startup financing in EuropeOpen the full case file on Beyond →
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