定了！这类产品预定利率将下调

Core Viewpoint - The personal insurance product predetermined interest rates will be adjusted downwards for the first time since the establishment of the mechanism linking predetermined rates to market rates and dynamic adjustments [1][3][12]. Group 1: Predetermined Interest Rate Adjustments - The current research value for ordinary personal insurance products' predetermined interest rate is 1.99% [4][5]. - The maximum predetermined interest rates for various insurance products will be adjusted: ordinary insurance products to 2.0%, participating insurance products to 1.75%, and universal insurance products to a minimum guaranteed rate of 1.0% [2][12]. - Multiple insurance companies will stop accepting applications for insurance products with rates exceeding the new maximum predetermined rates starting from August 31 [3][12]. Group 2: Market Expectations and Historical Context - The adjustment of the ordinary personal insurance product predetermined interest rate was anticipated by the market, with several brokerages predicting a value below 2% [6]. - The China Insurance Industry Association previously disclosed that the research values for ordinary personal insurance products were 2.34% in January and 2.13% in April of this year [10]. Group 3: Regulatory Framework - In January, the National Financial Regulatory Administration issued a notice to establish a mechanism linking predetermined interest rates to market rates [7]. - The China Insurance Industry Association is responsible for regularly organizing meetings to assess the predetermined interest rates based on various market interest rates [8][9]. Group 4: Industry Challenges and Responses - Experts indicate that the continuous decline in mid-to-long-term interest rates and the impact of new accounting standards present new challenges for the industry [14]. - Insurance companies are encouraged to enhance market sensitivity, improve operational capabilities, and adapt to economic conditions and industry trends [14].