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research · [1 source] · · 中文(ZH) 最新人身险产品预定利率研究值首次回升
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China's life insurance product rates see first uptick after four consecutive declines

China's insurance industry has seen its first uptick in the benchmark rate for ordinary life insurance products, reaching 1.93%. This marks a 4-basis-point increase from the previous period, breaking a trend of four consecutive declines since the China Insurance Association began publishing the data in January 2025. Analysts attribute this rise to stabilizing long-term interest rates and counter-cyclical adjustments, with the regulatory cap on life insurance rates expected to remain unchanged in 2026. AI

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RANK_REASON This item reports on a benchmark rate change within the insurance industry, which is a specific policy-related development.

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  1. 36氪 (36Kr) TIER_1 中文(ZH) ·

    Latest research value of life insurance product reservation rate rebounds for the first time

    中国保险行业协会(以下简称“中保协”)近日发布最新一期普通型人身保险产品预定利率研究值(以下简称“预定利率研究值”)。数据显示,该指标为1.93%,较前一期的1.89%回升4个基点。这是自2025年1月份中保协启动该指标发布工作以来,首次实现环比回升,打破了此前四连降的态势。业内人士分析认为,预定利率研究值环比回升,主要是受长端利率企稳以及逆周期调节等因素的影响。根据监管规则,预计2026年人身险预定利率上限不会变动,人身险公司产品整体定价将保持稳定。(证券日报)