最新公布，预定利率研究值1.90%！

Core Viewpoint - The current predetermined interest rate for ordinary life insurance products is set at 1.90%, a decrease of 0.09 percentage points from the previous rate of 1.99%, indicating that no adjustments will be made to the predetermined interest rates for the remainder of the year [2][3]. Group 1: Current Interest Rate Situation - The predetermined interest rate for ordinary life insurance products has been assessed at 1.90%, which is below the upper limit of 2.0% and does not trigger any adjustments for the current year [2]. - The last recorded rates were 2.34% and 2.13% earlier this year, with a significant drop noted in July when the rate was adjusted to 1.99% [3]. - The new maximum rates for various insurance products are set at 2.0% for ordinary products, 1.75% for participating products, and 1.0% for universal products, effective from September 1 [3]. Group 2: Future Projections - A life insurance company executive predicts that the predetermined interest rate will remain stable, with an expected range of 1.79% to 2.02% until July next year, indicating no adjustments will be triggered [4]. - The low interest rate environment is expected to become the "new normal," shifting competition from pricing to risk selection, medical cost control, and health service provision capabilities [4].