超30款专属商业养老保险产品去年结算利率不低于3%

Core Viewpoint - The recent disclosure of settlement interest rates for exclusive commercial pension insurance products indicates a stable investment environment, with average rates of 3.29% for conservative accounts and 3.33% for aggressive accounts, reflecting the insurance companies' ability to balance steady investment and risk control [1][2][3]. Group 1: Settlement Rates - As of January 13, 2023, 40 exclusive commercial pension insurance products have reported their 2025 settlement rates, with conservative accounts showing a maximum rate of 4.35% and a minimum of 2.00%, while aggressive accounts have a maximum of 4.55% and a minimum of 2.50% [2]. - Among the 40 products, 32 conservative accounts and 38 aggressive accounts have settlement rates of 3% or higher, indicating a strong performance in the market [2]. Group 2: Market Trends and Influences - In a comparative analysis of 27 products, 5 conservative accounts saw an increase in settlement rates year-on-year, while 9 experienced a decrease, and 13 remained unchanged; for aggressive accounts, 5 increased, 15 decreased, and 7 stayed the same [3]. - Factors influencing the settlement rates include capital market trends, product design, and changes in the structure of new and old products [3]. Group 3: Product Features and Regulatory Environment - Exclusive commercial pension insurance products are characterized by flexible payment options, safety of funds, and support for long-term annuity withdrawals, playing a crucial role in the pension financial security system [4][5]. - Recent regulatory policies have aimed to optimize the supply of these products, with significant growth in the market, as evidenced by a cumulative premium of 14.5 billion yuan and approximately 900,000 policies by the end of 2024 [4]. Group 4: Future Competitiveness - To enhance competitiveness, companies are advised to optimize product design for different customer segments, strengthen investment capabilities, improve product marketing, and collaborate with banks and third-party platforms to expand sales channels [6].