周一（7月28日）盘中，中国平安（02318.HK）股价大涨5.14%，内险股集体走强。截至10时22分，中国平安报56.25港元，新华保险涨5.23%，中国人寿涨5.49%，中国太保涨5.16%。
多重利好因素推动内险股走强。首先，行业监管部门正采取措施防止"内卷式"竞争，有望夯实保险公司的利差和费差空间。其次，人身保险产品预定利率可能进一步下调，这将有利于优化保险公司的新业务负债成本。此外，10年期国债收益率近期上行至1.7%以上，缓解了保险公司的资产配置压力。
值得注意的是，南向资金持续流入内险股。7月25日，中国平安获得南向资金增持139.55万股。券商分析认为，预定利率下调将推动新业务向分红险转型，进一步改善保险公司的成本结构。随着行业"反内卷"措施的实施和资产端压力的缓解，保险板块有望迎来估值修复。
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