一年期定存利率破1，储蓄险成“香饽饽”？这些信息很关键

Core Viewpoint - The recent reduction in deposit rates by major state-owned banks has sparked discussions about the attractiveness of savings-type insurance products, highlighting a potential shift in consumer behavior towards these products due to their relatively higher returns compared to bank deposits [2][5]. Group 1: Impact of Deposit Rate Cuts - On May 20, major state-owned banks lowered their deposit rates, with the one-year deposit rate falling below 1%, leading to increased promotion of savings-type insurance products by insurance sales personnel [3][4]. - The new deposit rates are as follows: 0.05% for demand deposits, 0.65% for 3-month deposits, 0.85% for 6-month deposits, 0.95% for 1-year deposits, 1.05% for 2-year deposits, 1.25% for 3-year deposits, and 1.3% for 5-year deposits [3]. - The maximum pricing rates for various insurance products are: 2.5% for ordinary life insurance, 2.0% for participating insurance, and 1.5% for universal insurance [3]. Group 2: Market Reactions and Sales Dynamics - Some insurance sales representatives believe that the current low deposit rates will drive more conservative investors, particularly older clients, towards savings-type insurance products, especially those with guaranteed returns [4][5]. - However, there are differing opinions within the industry, with some experts cautioning that savings-type insurance products are not a direct substitute for bank deposits due to differences in liquidity and investment horizons [5][6]. Group 3: Long-term Considerations for Insurance Companies - The decline in interest rates compresses the yield space for fixed-income assets, posing challenges for insurance companies that rely on investment income to cover liabilities [6][7]. - Insurance companies may need to adjust their product strategies by lowering the guaranteed rates on new products to align with market interest rates, thereby mitigating future margin pressures [8]. - A diversified investment strategy that includes a higher proportion of equity and alternative investments is recommended to enhance overall portfolio returns [8]. Group 4: Strategic Recommendations - To adapt to the low-interest-rate environment, insurance companies should focus on developing protection-oriented and service-oriented insurance products, reducing reliance on interest rate spreads [8]. - Building an "insurance + health and elderly care" ecosystem is suggested to enhance customer loyalty and product value, which can help mitigate the impacts of interest rate fluctuations [8].