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大型险企的参战,表明寿险“死水一潭”的市场现状正在改变,价格战也已打响。8月5日,保监会正式实行普通型人身保险费率改革,开放人身保险2.5%的预定利率上限,产品由保险公司按照审慎原则自行决定。此次改革方案一经公布,立刻在市场引起了连锁反应。先是各中小险企纷纷试水,推出各种产品吸引客户,这一趋势正在向大型险企扩散,预定利率随之从最初普遍瞄准的3.5%走高到4%。
The participation of large-scale insurance companies in the war shows that the market conditions for life insurance “stagnant water” are changing and the price war has started. On August 5, China Insurance Regulatory Commission formally implemented the reform of general-purpose personal premium rates and set a ceiling of 2.5% on life insurance premiums. The products are determined by the insurance companies according to the prudent principle. The reform program once announced immediately caused a chain reaction in the market. First, small and medium-sized insurance companies have tested the water and introduced various products to attract customers. This trend is spreading to large-scale insurance companies, and the interest rate is expected to rise from 3.5% initially targeted to 4%.