在葉(yè )鵬程看來(lái),若預(yù)定利(lì )率9月份下調(diào),短(duǎn )期內(nèi)將(jiāng )快速拉動(dòng)新單保費(fèi)(fèi )上升,市場(chǎng)(chǎng )上儲(chǔ)蓄需求會(huì)被迅速釋放,短期內(nèi)傳(chuán )統(tǒng)型產(chǎn)品占比(bǐ )將會(huì)上(shàng )升(shēng )。同時(shí)分紅(hóng )險(xiǎn)預(yù)定(dìng )利率也將迎來(lái)(lái )下(xià )調(diào),現(xiàn)有預(yù)定利率2.0%的分紅險(xiǎn)(xiǎn )業(yè)務(wù)也(yě )將(jiāng )迎來(lái)業(yè)務(wù)(wù )迅速增長(zhǎng)(zhǎng ),增額壽、年金、分紅(hóng )、重疾等與預(yù)定利率定價(jià)密切相關(guān)的長(zhǎng)期險(xiǎn)均會(huì)受到較大影響,新(xīn )單保費(fèi)均會(huì)(huì )迎來(lái)快速上升,短(duǎn )期內(nèi)傳統(tǒng)險(xiǎn)業(yè)務(wù)占比可能提升。
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