瑞银发表报告指,中国保险行业协会近期将定价利率(PIR)基准下调14个基点至1.99%,较现行传统产品2.5%的定价利率低51个基点。此调整符合市场预期,主要反映2025年第二季市场利率下行(如国债收益率、存款利率及贷款市场报价利率走低)。多家大型险企已将传统型、分红型及万能型产品的定价利率分别下调至2.0%、1.75%及1.0%。传统型与分红型产品的定价利率差距缩窄,显示监管机构正引导行业向分红...
Source Link瑞银发表报告指,中国保险行业协会近期将定价利率(PIR)基准下调14个基点至1.99%,较现行传统产品2.5%的定价利率低51个基点。此调整符合市场预期,主要反映2025年第二季市场利率下行(如国债收益率、存款利率及贷款市场报价利率走低)。多家大型险企已将传统型、分红型及万能型产品的定价利率分别下调至2.0%、1.75%及1.0%。传统型与分红型产品的定价利率差距缩窄,显示监管机构正引导行业向分红...
Source LinkDisclaimer: 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.