预定利率研究值2.13% 保险产品暂不“降息”

Core Viewpoint - The China Insurance Industry Association held a quarterly meeting regarding the assessment interest rate for life insurance liability reserves, revealing that the current preset interest rate for ordinary life insurance products has dropped to 2.13% [1][2]. Group 1: Current Interest Rate Trends - The preset interest rate research value has decreased below 2.25% for the first time, while the upper limit for traditional insurance products remains at 2.5% and does not require adjustment yet [1][2]. - The preset interest rate research value was initially announced at 2.34% in January, and the latest value of 2.13% exceeds the 25 basis points threshold compared to the previous value [2]. Group 2: Mechanism for Adjusting Interest Rates - The insurance industry is optimizing liability costs in response to declining interest rates, implementing a mechanism that links preset interest rates to market rates for dynamic adjustments [1]. - If the highest preset interest rate for ordinary life insurance products exceeds the preset interest rate research value by 25 basis points for two consecutive quarters, the new product's preset interest rate must be adjusted downwards within two months [1]. Group 3: Future Outlook - If the preset interest rate research value remains below 2.25% in the next quarter, the upper limit for insurance product preset interest rates will be reduced by at least 25 basis points [2]. - Insurance companies are closely monitoring macroeconomic conditions and the trend of preset interest rate research values to adjust product pricing and improve liability quality [2].