智通财经APP获悉，内险股午后涨幅扩大，截至发稿，中国太保(02601)涨5.14%，报33.56港元；中国财险(02328)涨2.86%，报16.93港元；新华保险(01336)涨2.72%，报48.38港元；中国平安(02318)涨1.92%，报55.8港元。
消息面上，保险行业协会发布最新一期传统险预定利率研究值为1.99%，根据当前监管政策，已触发预定利率下调条件；连续两个季度预定利率研究值低于当前水平25bps，已触发下调机制。目前主要保险公司已经公告下调预定利率，8月底前将完成产品切换。
东吴证券指出，预定利率的下调将推动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。叠加近期长端利率企稳上行和股市走强，寿险行业利差损压力预计将有所缓解。预定利率调整后，分红险保底收益仅比传统险低 25bps，且拥有浮动收益设计，对客户的相对吸引力更高，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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