9月1日起保险产品预定利率下调，保险机构调整经营策略

Core Viewpoint - The adjustment of the predetermined interest rates for personal insurance products in China has led to a reduction in maximum rates for various types of insurance, prompting companies to shift their focus towards dividend insurance products as a strategic response [1][3][7]. Group 1: Rate Adjustments - The predetermined interest rate for ordinary personal insurance products has been set at 1.99%, triggering a downward adjustment mechanism [1]. - Starting from September 1, the maximum predetermined interest rate for ordinary insurance products will decrease from 2.5% to 2.0%, for dividend insurance from 2.0% to 1.75%, and for universal insurance from 1.5% to 1.0% [1]. Group 2: Impact on Products - The impact of the rate adjustment on new products will vary based on product responsibilities and terms, but the effect on dividend insurance is relatively minor [3]. - Companies are increasingly focusing on dividend insurance products, which have become a consensus among insurers [3][5]. Group 3: Strategic Responses - Insurers are expected to enhance market sensitivity and judgment, and to continue promoting cost reduction and product transformation [7]. - The development of floating income products is seen as a common choice among many personal insurance companies [7][10]. Group 4: Future Outlook - Companies are likely to introduce more dividend-type products, with medical and pension insurance also entering this category [8]. - The core strategy of insurance companies remains to ensure asset-liability matching, adjusting pricing in response to changes in capital market yields [10].