智通财经APP获悉，大摩发布研报称，中保协最新公布的预定利率研究值为1.99%，低于4月的2.13%和1月的2.34%，显示利率持续下降。多家保险公司宣布在8月底前进一步下调利率，普通型产品从2.5%降至2%，分红型产品从2%降至1.5%，万能型产品从1.5%降至1%。
报告指，自2023年下半年以来，监管机构和保险公司已采取一系列措施减轻利差损失风险，预计这一趋势将持续。8月后，保险公司新资金流入的保证负债成本预计将降至约1.7%，可提高盈利能力，相对目前长期利率高于1.7%。该行指，保险公司表现强劲的关键驱动因素包括近期利率上调、稳健的2025年上半年业绩预告，以及有利的市场情绪和资金流向。
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