智通财经APP获悉，内险股跌幅扩大，截止发稿，新华保险(01336)跌4.17%，报48.2港元；中国人寿(02628)跌3.52%，报21.95港元；中国太保(02601)跌3%，报30.7港元；中国财险(02328)跌0.37%，报16.26港元。
消息面上，保险产品预定利率调降机制正式启动，各大保险公司紧锣密鼓地推进新老产品切换工作。中国保险行业协会发布的最新数据显示，普通型人身保险产品预定利率研究值为1.99%，较上期下降14个基点。这一数值已连续两个季度低于现行预定利率25个基点以上，触发了人身险业预定利率动态调整机制。
东吴证券发布研究报告认为，预定利率的下调将推动保险公司新业务负债成本继续下降，伴随新业务对存量的逐步稀释，存量平均成本也将逐步改善。预定利率调整后，分红险保底收益仅比传统险低25个基点，且拥有浮动收益设计，对客户的吸引力更高，预计新单业务结构加速转向分红险，而分红险占比提升将进一步缓解险企刚性成本压力。
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