保险Ⅱ行业事件点评报告:预定利率再下调:传统向左 分红向右 资管能力将是下一个分水岭

方正证券
25 Jul

事件:今日,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2025 年二季度例会,保险业专家就人身保险产品预定利率发表意见,认为当前普通型人身保险产品预定利率研究值为1.99%,较上季度同比-14bp,Q3 人身险预定利率将在8 月31 日前再迎下调。8 月末人身险预定利率最高值或下调50bp 至2.0%,分红险下调25bp 至1.75%。根据国家金融监督管理总局发布的《关于...

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