在当今低利率环境持续蔓延的金融 landscape 中,保险行业正悄然经历一场深刻的产品结构转型。业内人士分析,产品预定利率的变化对保费收入情况有直接影响,而当前利率下行趋势已然对保险公司的投资端带来压力。传统依靠固定收益的险种吸引力正在边际减弱,一种结合了“守”与“攻”的双重优势的产品——分红险,正逐渐走向舞台中央,有望成为支撑行业负债端的核心产品。预定利率下调:负债成本的“减压阀”预定利率可以...
Source Link在当今低利率环境持续蔓延的金融 landscape 中,保险行业正悄然经历一场深刻的产品结构转型。业内人士分析,产品预定利率的变化对保费收入情况有直接影响,而当前利率下行趋势已然对保险公司的投资端带来压力。传统依靠固定收益的险种吸引力正在边际减弱,一种结合了“守”与“攻”的双重优势的产品——分红险,正逐渐走向舞台中央,有望成为支撑行业负债端的核心产品。预定利率下调:负债成本的“减压阀”预定利率可以...
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