保险行业协会公布26年1月人身险预定利率研究值点评：预定利率研究值下调趋缓利率企稳利好利差损改善

海通证券股份有...01-26

本报告导读：新一期人身险预定利率研究值维持相对稳定，预计长端利率稳定利好保险公司利差空间改善，维持行业“增持”。投资要点：事件：1月20 日，保险行业协会组织召开人身保险业责任准备金评估利率专家咨询委员会2025 年四季度例会，研究认为当前普通型人身保险产品预定利率研究值为1.89%。监管引导人身险产品预定利率随市场利率调整，25Q3 已引导传统险预定利率调至2.0%。根据金融监管总局《关于建立...

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保险行业协会公布26年1月人身险预定利率研究值点评：预定利率研究值下调趋缓 利率企稳利好利差损改善

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保险行业协会公布26年1月人身险预定利率研究值点评：预定利率研究值下调趋缓利率企稳利好利差损改善