普通型人身保险产品预定利率研究值调整至1.89%

Core Viewpoint - The China Insurance Industry Association has established a dynamic adjustment mechanism for the predetermined interest rates of ordinary life insurance products, with the current research value set at 1.89% as of January 20, 2023 [1]. Group 1: Predetermined Interest Rates - The research values for the predetermined interest rates for ordinary life insurance products are projected to be 2.34% in January 2025, 2.13% in April 2025, 1.99% in July 2025, and 1.90% in October 2025 [1]. - The dynamic adjustment mechanism for life insurance predetermined interest rates will be implemented starting January 2025, as mandated by the National Financial Regulatory Administration [1]. Group 2: Regulatory Framework - The notification issued by the National Financial Regulatory Administration outlines the requirement for quarterly publication of the predetermined interest rate research values [1]. - Insurance companies are required to dynamically adjust the maximum values for the predetermined interest rates of ordinary and participating life insurance products, as well as the minimum guaranteed interest rates for universal life insurance products [1].