EPISODE · Mar 12, 2025 · 13 MIN
保险主力类型，正在发生变化？
from 虎嗅·商业有味道
今年以来，多数保险公司开始以分红险来挑大梁；但开年保费收入增长情况并不明朗，分红险能否撬动行业增长，还需要继续观察。当前，保险客户需求仍然偏向于确定性收益；而分红险收益由固定收益与浮动收益构成，相较于其它投资品，竞争力并不突出。即使如此，为何从监管到业界，都在力推浮动利率保险成为主流？分红险历史上的辉煌，在当下能否复现？对于客户和保险市场的格局而言，分红险上位又会造成哪些影响？【时间轴】00:28 年末年初的数百款新保险，分红险占比达到近四成03:20 为什么分红险这种浮动利率保险必须成为主流？06:11 对于客户而言，分红险上位又意味着什么？08:58 从监管层到保险业界，都在想办法化解利差损风险
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保险主力类型，正在发生变化？
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