研报掘金丨中信证券：保险板块AI机遇大于挑战，看好中国平安并予“买入”评级

格隆汇02-27

中信证券发表研报指，AI叙事导致境内外保险股下跌，主要体现在利率判断和保险公司商业模式可持续两个方面，该行认为AI叙事夸大了潜在负面影响，板块机遇大于挑战，维持保险行业处于重大机遇期的判断。展望未来3-5年，该行认为保险公司总体上将继续受益于严监管、反内卷的竞争环境，老七家市场份额有望继续集中；在低利率环境下，储蓄存款向保险公司迁移，是银行、保险公司、客户共赢的结果，这一趋势有望长期持续，并形成...

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