最新数据出炉！保险产品年内或不“降息”

Core Viewpoint - The latest research value for the standard life insurance product's preset interest rate is 1.89%, which does not trigger the adjustment condition for the maximum preset interest rate of 2.0% [1] Group 1: Current Interest Rate Situation - The preset interest rate research value of 1.89% has not reached the adjustment condition of being 25 basis points above the maximum preset interest rate for two consecutive quarters [1] - The insurance industry is expected to maintain the current preset interest rate level throughout the year, with no anticipated "rate cuts" [1] Group 2: Regulatory Framework - According to the notice issued by the Financial Regulatory Bureau in January 2025, the maximum preset interest rate is set at whole multiples of 0.25% [2] - If the maximum preset interest rate exceeds the research value by 25 basis points for two consecutive quarters, insurance companies must lower the new product's preset interest rate within two months [2] Group 3: Historical Data and Trends - The preset interest rate research values for January, April, July, and October 2025 were 2.34%, 2.13%, 1.99%, and 1.90%, respectively [2] - The maximum preset interest rate was reduced from 2.5% to 2.0% in July 2025 due to triggering conditions [2] Group 4: Future Projections - If the current levels of government bond yields, 5-year fixed deposit rates, and 5-year LPR remain stable, the simulated preset interest rate research value for the end of 2026 is projected to be 2.0% [3] - The likelihood of adjusting the maximum preset interest rate for new products in the medium term is low, although regulatory considerations may change based on market fluctuations [3] - A life insurance company executive predicted that the preset interest rate research value would remain between 1.79% and 2.02% until July 2026, indicating no adjustments will be triggered [3]