保险行业深度研究报告:负债成本盘点:利差风险收敛或持续驱动估值回升

华创证券
23 Jul

Q3 预定利率或下调,行业多措促进化解“利差损”危机。2025Q2 预定利率研究值低于当前预定利率最高值25bps 以上,我们预计Q3 预定利率研究值将再度低于2.25%,预计将触及预定利率动态下调门槛,最快于季度内完成产品切换工作。预定利率或连续三年下调,反映当前行业潜在“利差损”压力。20 世纪末我国曾经历一轮“利差损”危机,化解周期超十年,化解手段除了调整预定利率,还包括优化产品结构、拓宽...

Source Link

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Most Discussed

  1. 1
     
     
     
     
  2. 2
     
     
     
     
  3. 3
     
     
     
     
  4. 4
     
     
     
     
  5. 5
     
     
     
     
  6. 6
     
     
     
     
  7. 7
     
     
     
     
  8. 8
     
     
     
     
  9. 9
     
     
     
     
  10. 10