中保协：普通型人身保险产品预定利率研究值为1.90%

Core Insights - The meeting organized by the China Insurance Industry Association highlighted a stable economic growth trend, with GDP increasing by 5.2% year-on-year and 1.1% quarter-on-quarter, providing a solid foundation for the high-quality development of the insurance industry [1] - The predetermined interest rate for ordinary life insurance products has decreased to 1.90%, down from 1.99% in the second quarter, indicating a downward trend in expected returns for consumers [1] - The regulatory framework has been established to link predetermined interest rates with market interest rates, aiming for dynamic adjustments to enhance asset-liability management and pricing strategies [1][2] Group 1 - The insurance industry experts noted that the life insurance sector is actively responding to challenges, optimizing its business structure, and making progress in transforming floating income products [2] - The mechanism for linking predetermined interest rates with market rates is being continuously advanced, leading to significant cost reduction and efficiency improvements [2] - The insurance industry is expected to maintain steady growth and enhance service quality, driven by internal development momentum [2]