预定利率调整落地险企成本端压力有望减轻

金证研2025-07-30

7月25日，中国保险行业协会发布最新一期普通型人身保险产品预定利率研究值，为1.99%，此次研究值触发了人身险产品预定利率下调机制，多家保险公司宣布在8月底前进一步下调利率。此次调整符合市场预期。预定利率的再次调整，有益于保险行业负债成本的改善和利差损风险的降低。考虑到保险板块当前估值较低，基本面呈边际修复态势，叠加资金面公募基金回归基准的预期，对保险下半年的相对收益表现展望更加乐观。根据金监总局...

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href=http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN2025073022054394c40525&s=b><strong>金证研</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>7月25日，中国保险行业协会发布最新一期普通型人身保险产品预定利率研究值，为1.99%，此次研究值触发了人身险产品预定利率下调机制，多家保险公司宣布在8月底前进一步下调利率。此次调整符合市场预期。预定利率的再次调整，有益于保险行业负债成本的改善和利差损风险的降低。考虑到保险板块当前估值较低，基本面呈边际修复态势，叠加资金面公募基金回归基准的预期，对保险下半年的相对收益表现展望更加乐观。根据金监总局...</p>\n\n<a href=\"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN2025073022054394c40525&s=b\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU1146622755.USD","symbol_name":"安本中国A股股票基金A 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预定利率调整落地 险企成本端压力有望减轻

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预定利率调整落地险企成本端压力有望减轻