金吾财讯 | 保险股午后发力，中国太平(00966)涨2.92%，新华保险(01336)涨2.37%，中国人民保险集团(01339)涨2.05%，中国财险(02328)涨1.63%，中国太保(02601)涨1.47%，友邦保险(01299)涨1.19%，中国平安(02318)涨0.77%，中国人寿(02628)涨0.47%。消息面上，开源证券发布研报称，监管部门从监管机制、渠道、产品和服务等多方面持续规范保险业健康发展。渠道方面，短期内个险渠道发展承压，银保高质量发展初见成效，多元化渠道布局的头部险企有望受益。产品方面，分红险转型已成行业共识，后续各险企将进一步深化转型。养老需求旺盛，分红型储蓄类保单兼具保底和弹性的收益率，同时在保险保障、养老和医疗配套服务上具有独特优势，未来头部险企市占率有望提升，预计上市险企未来新单保费保持平稳增长，预定利率调降带来负债成本逐步回落;分红险转型带来资产端持续增配权益资产，关注长端利率变化影响。
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