負(fù)債端方面(miàn ),根據(jù)保險(xiǎn)產(chǎn)(chǎn )品(pǐn )預(yù)(yù )定利率與動(dòng)態(tài)調(diào)整(zhěng )機(jī)制及研究值(zhí )走勢(shì)來(lái)看,預(yù)計(jì)今年三季度人身險(xiǎn)產(chǎn)(chǎn )品預(yù)(yù )定利(lì )率將(jiāng )進(jìn)一步(bù )下調(diào)(diào ),傳統(tǒng)(tǒng )險(xiǎn)的競(jìng)爭(zhēng)力不斷下降,銷售難度增加(jiā ),將倒(dǎo )逼保險(xiǎn)公司進(jìn)行產(chǎn)品轉(zhuǎn)型,分紅險(xiǎn)可有效防范(fàn )利差損風(fēng)(fēng )險(xiǎn)與未來(lái)可能的利率回(huí )升下的潛在退(tuì )保風(fēng)險(xiǎn)(xiǎn ),成為險(xiǎn)企主(zhǔ )推產(chǎn)品,考慮到(dào )分紅產(chǎn)品客(kè )戶風(fēng)險(xiǎn)偏好更高,且負(fù)債成本約束減弱,為提升產(chǎn)(chǎn )品競(jìng)爭(zhēng)力,險(xiǎn)資有(yǒu )增配權(quán)益獲取超額收益的主動(dòng)訴求(qiú )。
版權(quán)所有 ? 2025 青龍影院 保留所有權(quán)利