《大行報告》里昂:內地將停售預定利率3.5%壽險產品 轉型令銷售存下行風險
里昂發表中國保險行業報告表示,並以「今年下半年透明度有限」作為報告的標題,該行指近日參與了中國太保(02601.HK)及中國太平(00966.HK)投資者日,與兩家公司管理層進行溝通。就報道指內地多家險企反映,此前接到通知做好6月30日停售預定利率3.5%的壽險產品;而該行引述中國太保和中國太平均指已完成大部分新核心產品的開發,將分階段替代現有3.5%壽險產品價位產品。
該行引述中國太平表示,尚不確定消費者是否會喜歡3%定價的新產品或可變回報的參與產品,而中國太保壽險首席執行官蔡強認為分紅產品會更有吸引力。該行指兩公司管理層都意識到產品轉型將在短期內產生不利影響,但均相信銷售額不會持續下降。
里昂表示該行較中國太保及中國太平管理層更加謹慎,指消費者心態和保險經紀培訓的改變,可能需要比預期更長的時間(至少兩個季度)。與非常高的2023年上半年基數相比,料2024年上半年的增長面臨壓力。該行認為,總體銷售將帶來下行風險。
Follow us
Find us on
Facebook,
Twitter ,
Instagram, and
YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the
uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!

Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements. Any calculations or images in the article are for illustrative purposes only.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance. Please carefully consider your personal risk tolerance, and consult independent professional advice if necessary.