Industry insiders predict that the predetermined interest rate may be lowered in the fourth quarter, and some insurance industry insiders also express that there is a certain possibility of a scale delisting of insurance products in the third and fourth quarters. The method for determining the predetermined interest rate research values involves specific reference formulas, taking into account the 5-year LPR, the 5-year fixed deposit rates, and the 10-year government bond yields to be comprehensively determined. According to exclusive information from the industry, the predetermined interest rate research values are determined by integrating market interest rate changes such as the loan market quotation rates (LPR) for loans of over five years, the 5-year fixed deposit rates, and the 10-year government bond yields, as well as the industry’s asset-liability management conditions, and there is a specific formula for determining the predetermined interest rate research values. (Cailian Press)
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预定利率研究值调整逻辑揭秘 4月公布值引关注
The logic behind the adjustment of the predetermined interest rate research values has been revealed, and the published values in April have attracted attention.
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