報道指內地預定利率3.5%壽險產品將退市 若本季初完成切換 料NBV短期承壓
據《證券日報》報道,雖然內地多家險企反映,此前接到通知須於6月30日停售預定利率3.5%的壽險產品,但目前內地監管部門尚未正式發布相關通知,截至7月4日,仍有多款預定利率3.5%的壽險產品在售。與此同時,也有預定利率低於3.5%的人身險產品在市場推廣。與原有產品形式相比,預定利率有所下調,保單責任增加了分紅。
業內分析人士認為,預定利率3.5%的產品退出市場只是時間問題,壽險業必須防範利差損風險。
在預定利率3.5%的壽險產品即將停售的預期下,西部證券發布研報稱,第三季度業績表現與產品切換時點相關性強,如果在三季度初期完成產品全面切換,預計新業務價值(NBV)或短期承壓;如果在三季度後期完成產品全面切換,則有望延續正增長態勢。
在業內人士看來,儘管預定利率3.5%的產品並未在6月30日統一退出市場,但全部退出只是時間問題。
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