警惕“炒停售”抬头

Group 1 - The core viewpoint of the articles highlights the expectation of a decrease in insurance preset rates due to the recent cuts in deposit rates by major banks, leading to potential changes in the pricing and yield of life insurance products [1][2] - The preset rate research value for ordinary life insurance products in Q1 was 2.13%, which is below the maximum preset rate of 2.5%, indicating that if it remains below 2.25% in Q2, new products will see a reduction in preset rates [1][2] - Insurance marketing agents are actively promoting the urgency to purchase insurance products to lock in current rates, a behavior referred to as "炒停售" (speculative purchase before suspension), although the effectiveness of this strategy may be limited [2] Group 2 - The dynamic adjustment mechanism for preset rates allows for timely reductions when preset rate research values exceed certain thresholds, indicating a responsive approach to market conditions [1][2] - Insurance companies are preparing for the transition by developing new products, adjusting systems, and training personnel to ensure a smooth adjustment to the new preset rates [2] - Consumers are advised to consider the alignment of insurance products with their risk management and wealth management needs rather than solely focusing on locking in rates [3]