1.89%！人身险预定利率研究值“五连降”

Core Viewpoint - The China Insurance Industry Association (CIIA) has announced that the predetermined interest rate for ordinary life insurance products is currently set at 1.89%, marking the fifth consecutive publication of this research value since the establishment of the dynamic adjustment mechanism [1][3]. Group 1: Interest Rate Research Values - The predetermined interest rate research values for the first four quarters of 2025 were published as follows: 2.34% in January, 2.13% in April, 1.99% in July, and 1.90% in October [3]. - The current research value of 1.89% reflects a downward trend in the interest rates for ordinary life insurance products [1][3]. Group 2: Regulatory Framework - In January 2025, the Financial Regulatory Administration issued a notice regarding the establishment of a mechanism linking predetermined interest rates to market rates, requiring quarterly publication of the research values to provide a core basis for adjustments [5]. - The notice mandates that life insurance companies dynamically adjust the maximum values for predetermined interest rates of ordinary and participating life insurance, as well as the minimum guaranteed interest rates for universal life insurance [5].