智通财经APP获悉，内险股午前走低，截至发稿，新华保险(01336)跌4.95%，报21.1港元；中国人寿(02628)跌3.94%，报13.16港元；中国太保(02601)跌3.74%，报21.9港元；中国人保(01339)跌1.63%，报3.61港元。
消息面上，近日市场有传闻称，险企研究在3月底再次调整预定利率。据悉，继2023年人身险产品预定利率上限从3.5%降至3.0%后，24年又进行了调降。24年10月以来，人身险预定利率上限正式进入“2.0时代”。
东海证券指出，上周板块回调主要源于市场对投资端股债双重承压的担忧，一方面长端利率走低导致再配置收益承压，但分阶段下调的预定利率结合险企开门红主推的分红型产品，已大幅降低负债成本，利差损风险整体可控；另一方面新年伊始的交易日表现低迷，但该行对创新货币政策工具的落地和积极的监管政策引导较为乐观，坚信监管提升市场长期活力的方向不改，板块回调已充分释放资本市场的调整预期，向上弹性有望加速显现，应重视估值低位下的配置机遇。
Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.