港股异动 | 中国太保(02601)跌超4%领跌内险股 险企面临较大利差损压力 寿险预定利率或再度下调
内险股早盘普跌，截至发稿，中国太保(02601)跌4.22%，报19.3港元；新华保险(01336)跌1.65%，报14.34港元；中国人寿(02628)跌1.68%，报10.54港元。
消息面上，有媒体报道称，人身险产品预定利率将迎来再度“降档”。传统型人身险产品的预定利率或将从3%下调至2.5%，调整期为1个月。投资型产品中，分红险的保证利率上限或调整为2%，万能险调整至1.75%，调整期为2个月。业内人士表示，综合来看，当前保险公司负债成本调降节奏明显慢于投资收益率下行速度，面临较大利差损压力，预计后续传统寿险预定利率有进一步下调空间。
海通证券指出，上市险企披露6月保费数据，高基数下Q2寿险新单承压，产险增速环比改善。该行指出，保险行业2024年负债端中长期看好康养产业发展；十年期国债收益率仍在低位，如果后续经济预期改善、长端利率上行，保险公司投资端压力将显著缓解。
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