2Q25人身保险业责任准备金评估利率专家咨询委员会例会点评:非对称下调传统险与分红险预定利率最高值

中泰证券
Jul 27

事件:近日,中国保险行业协会组织召开人身保险业责任准备金评估利率专家咨询委员会2Q25 例会。会议认为当前普通型人身保险产品预定利率研究值为1.99%(前值为2.13%,同比下降14bps,此前我们发布前瞻报告预期值为2.01%,基本符合)。研究值触发调整机制,各人身险公司调整新备案保险产品的预定利率最高值,传统/分红/万能险分别下调50/25/50bps。研究值如期下调,市场此前已有充分预期,...

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