排列三组选279前后关系

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2020年“开门红”即将揭幕 各家险企策略呈现分化态势

2018-11-13 14:30:18    来源:金融时报-中国金融新闻网

排列三组选279前后关系SUIZHESHIJIANBURU11YUEFEN,SHANGSHIXIANQI2020NIAN“KAIMENHONG”BEIZHANQINGKUANGCHENGWEISHICHANGGUANZHUDEJIAODIAN。SUIRANJINJINIANBAOXIANGONGSIDOUZAIFANSIGUIMOHEXIAOSHOUDAOXIANGDEZHONGZHONGBIDUAN,ZAIJINGYINGCELVESHANGJINXINGDIAOZHENG,DAOZHI2018NIAN“KAIMENBUHONG”, 2019NIANBUFENGONGSIKAISHIDANHUA“KAIMENHONG”,DANBAOXIANYE“KAIMENHONG”CUJINNIANDUYEJIZENGZHANGQUESHIXIAOGUOXIANZHU,KELEIBIGANGGANGGUOQUDEDIANSHANGYE“SHUANG11”,YINCI2020NIANDABUFENXIANQIDE“KAIMENHONG”XIAOSHOUCHUANTONGRENGJIANGJIXU。

SHUJUZILIAO

JINNIAN,XINGYELONGTOUDE“KAIMENHONG”LAIDEGEWAIZAO。ZHONGGUORENSHOUZAI10YUE8RIJIUFABULEZHUDACHANPIN——GUOSHOUXINXIANGZHIZUNNIANJINBAOXIAN(QINGDIANBAN),BIQUNIANZHENGZHENGTIQIANYIGEYUE。XINHUABAOXIANYEZAI10YUEFENQIDONGLECHANPINYUSHOU。DANLINGLIANGJIASHANGSHIXIANQIPINGANSHOUXIANHETAIBAOSHOUXIANXUANZE“ANBINGBUDONG”,WEICHIZHEQUNIANDEXIAOSHOUJIEZOU。YENEIZHUANJIABIAOSHI,“KAIMENHONG”CELVECHAYIYUGONGSINEIBURENSHIBIANDONG、ZHANLVEDIAOZHENGYIJIGUDONGSUQIUYOUGUAN。SUIZHEXINGYEMANMANZOUXIANGCHENGSHU,HUIYOUYUELAIYUEDUODEXIANQIDANHUADUANQIJILIXINGYINGXIAO。

SHUJUZILIAO

策略呈现分化态势

排列三组选279前后关系BEIZHAN2020NIAN“KAIMENHONG”,SHANGSHIXIANQIYOUZHECHAYIHUADECELVE。ZHONGGUORENSHOULVXIANKAISHICHANPINYUSHOU;ZHONGGUOPINGANJIXUBAOCHIDANRAN,LICUQUANNIANBAOFEISHOURUPINGHENG;TAIBAOSHOUXIANCHANPINZAIYUANYOUJICHUSHANGZUOCHUSHENGJI;XINHUABAOXIANYINIANJINXIANYUBAOZHANGXINGCHANPINBINGJU;TAIPINGRENSHOURENGYIDANGNIANYEJIWEIZHU;RENBAOSHOUXIANMUQIANZHENGZAIJINXING“KAIMENHONG”DEZHUNBEIGONGZUO。

排列三组选279前后关系JUJIZHELEJIE,TIZAOBEIZHAN“KAIMENHONG”DEXIANQIZHUYAOKAOLVDAO,ZAICHONGZUDERENLICHUBEIYUZHENGCEJILIXIA,NENGGOUJIAOHAODISHIXIANYEWUTUIJIN,YOUXIAOYINGDUIMINGNIANYIJIDUDEGAOJISHUYALI。DANHUA“KAIMENHONG”DEXIANQI,BIRUPINGANRENSHOUDONGSHIZHANGDINGDANGJIUGONGKAIBIAOSHI:“BAOXIANYEKAIZHANLEHENDUONIANDE‘KAIMENHONG’,PINGANSHIZUIXIANZUOQILAIDE,DANJINNIANWOMENMEIYOUGAO‘KAIMENHONG’,ZHEISHUNYINGLE‘BAOXIANHUIGUIBAOZHANG’DEYAOQIUHESILU。”TONGSHI,《JINRONGSHIBAO》JIZHEYECONGYIXIEHEZIXIANQIDECHANPINJINGLICHULEJIEDAO,ZHEIXIEGONGSIDADUOMEIYOUZHUANMENZUO“KAIMENHONG”CHANPINDECHUANTONG。

“WOGUOBAOXIANYEYIJINGFAZHANDAOYIGEYIYEWUJIAZHIYUKEHUFUWUWEIZHONGXINDEJIEDUAN,GUOWANGGUIMOHUADAOXIANGDEJINGYINGFANGSHIZHENGZAIZHUJIANTUIBIAN,ZHEIYESHIWEIHEBUFENDAXINGXIANQIDUIYUKAIMENHONGZHEIZHONGJIEDUANXINGDEJILIYINGXIAOBIAOXIANDEYUELAIYUEDANDING。” GUOWUYUANFAZHANYANJIUZHONGXINBAOXIANYANJIUSHIFUZHURENZHUJUNSHENGDUI《JINRONGSHIBAO》JIZHEBIAOSHI,MUQIANZHONGXIAOXIANQIDEYEJIYALIHAISHIBIJIAODA,ZANSHIWUFABAITUODUI“KAIMENHONG”XIAOSHOUDEYILAI。DANYEBUPAICHUYOUDEGONGSICHUYULIANGNANXUANZE,BENXIANGBAOCHIDANDING,QUEDANXINQITAGONGSIDEJILIYINGXIAODUIZISHENYEJIZAOCHENGWEIXIE。

JIU2020NIAN“KAIMENHONG”CHANPINDEPUBIANCELVELAIKAN,JIANGSHIYICHUXUXINGCHANPINWENDINGBAOFEIGUIMO,YIBAOZHANGXINGCHANPINTISHENGYEWUJIAZHI。BAOZHANGXINGCHANPINXINYEWUJIAZHIGAO,CHUYUBUTONGFAZHANJIEDUANDEXIANQIHUIXUANZEBUTONGDETOUFANGSHIDIAN,RU“KAIMENHONG”QIJIANHUOJINNIANXIABANNIAN。

排列三组选279前后关系“NIANJIN+FUJIAWANNENG”DESHUANGZHUXIANZUHERENGWEIZHULICHANPIN。CONGBAOXIANQIJIANLAIKAN,2020NIAN“KAIMENHONG”CHANPINHAISHIYI“15NIAN”WEIZHU,DANYEYOUBAOXIANQIJIANSUODUANDEQINGKUANG,ZHONGGUORENSHOUDE“XINXIANGZHIZUN”JIUSHIYIKUAN10NIANQICHANPIN。YIWEIBAOXIANGONGSICHANPINBUFUZERENFENXI:“ZHEISHICHUYUZICHANFUZHAIPIPEIDEXUYAO,CHANPINQIXIANYUEDUAN,BAOXIANGONGSIYUERONGYIZHAODAOQIXIANPIPEIDEZICHAN。” QIXIANCUOPEIYALISHIDECHUXUXINGCHANPINQIXIANSUODUANSHIXINGYEGONGSHI。

ZHAOSHANGZHENGQUANZHICHU,CONGMUQIANGEJIAGONGSIDUI2020NIAN“KAIMENHONG”DECHUBUGUIHUALAIKAN,QIDONGSHIJIANYOUSUOTIQIAN、TOURULIDUYOUSUOTISHENG,YUJISHANGSHIXIANQI2020NIAN“KAIMENHONG”DEXINDANBAOFEIZENGSUJIANGJINYIBUHUIFU,MINGNIANYIJIDUDEXINYEWUJIAZHIZENGSUXIANGHAO,DIANDINGQUANNIANWENJIANZENGZHANGQUSHI。

3.5%预定利率产品成主流

排列三组选279前后关系“KAIMENHONG”BAOXIANCHANPINZUHEYIRUGUANCHANG,DANYUDINGLILVBIANHUAZHIDEGUANZHU。CONG2019NIANSHANGBANNIANKAISHI,JIANGUANBUMENYIQUANMIANZANTINGBEIANYUDINGLILV4.025%DENIANJINXIANCHANPIN,DAO8YUE30RIYOUZHENGSHIFABU《GUANYUWANSHANRENSHENBAOXIANYEZERENZHUNBEIJINPINGGULILVXINGCHENGJIZHIJIDIAOZHENGZERENZHUNBEIJINPINGGULILVYOUGUANSHIXIANGDETONGZHI》,XUANBU“2013NIAN8YUE5RIJIYIHOUQIANFADEPUTONGXINGYANGLAONIANJINHUO10NIANYISHANGDEPUTONGXINGZHANGQINIANJIN,JIANGZERENZHUNBEIJINPINGGULILVSHANGXIANYOUNIANFULI4.025%HEYUDINGLILVDEXIAOZHEDIAOZHENGWEINIANFULI3.5%HEYUDINGLILVDEXIAOZHE”。

ZHUJUNSHENGRENWEI,“YINWEIPINGGULILVHUIYINGXIANGDAOXIANQICHANPINDINGJIA,CHANPINDINGJIAJIANGDIHOUXIAOFEIZHETOUZIHUIBAOSHOUYILVJIUXIAJIANGLE,DUIXIAOFEIZHEDEXIYINLIKENENGHUISHAOYOUXIAJIANG。”

排列三组选279前后关系CONG2019NIANSHOUXIAN“KAIMENHONG”CHANPINLAIKAN,ZHUXIANDINGJIALILVPUBIANZAI2.5%ZUOYOU,ZUOWEIFUJIAXIANDEWANNENGXIANYUDINGLILVZAI1.75%ZHI3%ZHIJIAN,YUTONGQIYINXINGLICAICHANPINXIANGBIKANSIYOUSHIBUDA,DANMEIYUESHIJILILVZAI4%ZHI5%QUJIAN,JUYOUYIDINGXIYINLI。ZAI2020NIAN“KAIMENHONG”CHANPINZHONG,ZHONGGUORENSHOU、TAIBAOSHOUXIANDENGTUICHUDEZHULINIANJINXIANCHANPINDEYUDINGLILVJIBENDOUSHI3.5%。XINHUABAOXIANDECHANPINYUDINGLILVRENGYANYONGBISHIDE4.025%,ZAITONGQISHANGSHIXIANQIZHONGPOYOUJINGZHENGLI。

YOUYANBAOFENXI,SHICHANGHUANJINGJIANGYOULIYUSHANGSHIXIANQI“KAIMENHONG”NIANJINCHANPINDEXIAOSHOU。CONGJINGZHENGCHANPINDESHOUYILVLAIKAN,ZAIDANGQIANWOGUOSHICHANGLIUDONGXINGHELICHONGYUDEDABEIJINGXIA,JUMINDUIHOUXUGELEIZICHANSHOUYILVDEXIAXINGYUQIJIAOWEIMINGXIAN,SHIDENIANJINCHANPINDEXIYINLIZENGQIANG。TONGSHI,DANGQIANYINXINGLICAICHANPINSHOUYILVYICONG2018NIANTONGQIDE4.5%JIANGZHI3.9%ZUOYOU,ZHEIYUDANGQIANWANNENGZHANGHU(KAIMENHONGNIANJINJUNYUWANNENGZHANGHUDAPEI)YUQIJIESUANLILV5%ZUOYOUXIANGBI,XIYINLIYEJINYIBUXIAHUA。LINGWAI,YOUYU4.025%YUDINGLILVCHANPINDEXIANZHI,YUJISHANGSHIXIANQISHOUDAOZHONGXIAOXIANQIDEFENLIUHUITONGBIJIANSHAO。

HAITONGZHENGQUANFEIYINSUNTINGTUANDUIRENWEI:“4.025%NIANJINXIANCHANPINDUANQIHUONENGCUJINCHUXULEICHANPINXIAOSHOU,DANJIAGEZHANDAOZHILIRUNLVDAFUXIAJIANG,QIELICHASUNFENGXIANJIADA。WEILAIYUDINGLILVCHAOGUO3.5%DEZHANGQINIANJINXIANCHANPINXUYAOBAOJIANGUANSHENPI,XINGUIYINDAOXINGYEZHONGHUILIXING,JINYIBUZHUANXINGJIANKANG、YANGLAO、YIWAIDENGBAOZHANGLEICHANPIN。”

消费者需谨防被“套路”

2020NIANBAOXIAN“KAIMENHONG”DAXIJIANGZHI,YIJINGYOUXIAOFEIZHELUXUJIEDAOBAOXIANDAILIRENDEDIANHUA、WEIXINSHENZHISHANGMENBAIFANG。MIANDUISHICHANGSHANGLINLANGMANMUDERENSHENXIANCHANPIN,XIAOFEIZHEGAIRUHESHOUHAOZIJIDE“BAOXIANLANZI”?

JIZHELEJIEDAO,DUIYUNIANJINCHANPINDELILVGAIBIAN,YOUBUSHAOXIAOFEIZHECHANSHENGLEYIHUO:BAOXIANCHANPINYUDINGLILVXIAJIANGHAIYAOKAOLVGOUMAIMA?SHISHISHANG,MAIBAOXIANYAOZHONGBAOZHANG,XIANGBIBAOXIANCHANPINDESHOUYILV,CHANPINDEBAOZHANGFANWEIHEGONGSIDEFUWUSHUIPINGGENGZHONGYAO。SUIRAN“KAIMENHONG”QIJIANDECHANPINXIANGJIAOPINGSHIDECHANPINXINGJIABIGAOXIE,DANPUBIANWUFAMANZUXIAOFEIZHEDUI“GAOSHOUYI”DEHUANXIANG。

YIWEIZHONGXIAOSHOUXIANGONGSIDEJINGSUANSHIGAOSU《JINRONGSHIBAO》JIZHE,GENJU“134HAOWEN”YAOQIU,NIANJINZHUXIANYAOMAN5NIANHOUCAIKAISHIFANHAI,QIEMEICIFANHAIBILIBUDECHAOGUOYIFUBAOFEIDE20%。SUOYIHENDUOCHANPINDOUHUIZUOCHENG3NIAN、5NIANJIAOFEIDEXINGSHI,RANHOUCONGDI6NIANKAISHILINGQU。RUGUOBUKAOLVFENHONGYINSU,JIBIANANZHAOZUIKUAIDELINGQUSUDU(MEINIANLINGHUIZONGBAOFEIDE20%),JINKANNIANJINZHUXIAN,QINEIBUSHOUYILV(IRR)SHUIPINGBINGBUGAO。YOUYUNIANJINXIANBAOFEIXIANGDUIJIAOGAO,SHIJIANKUADUJIAOZHANG,YINCIBIJIAOSHIHEBUKANZHONGDUANQISHOUYI、YOUYIDINGJIXUDEZHONGGAODUANSHOURURENQUNGOUMAI。

DUIYUWANNENGZHANGHUDESHOUYILV,XIAOFEIZHEKEYICONGBAOXIANGONGSIGUANWANGCHAKANQIWANGNIANFASHOUDE“KAIMENHONG”CHANPINYIJIQITAWANNENGZHANGHUJIESUANLILVDEZOUSHI,DUICHANPINSUOSHUGONGSIDETOUZISHOUYISHUIPINGYOUYIGEDAZHIDELEJIE,ZAIJIEHEBAODILILVXUANZECHANPINJIUBUHUITAIMANGMU。

BAOXIANZHUANJIAZHICHU,BAOXIANDEBAOZHANGGONGNENGSHIDUYOUDE,MEIYOUQITACHANPINKEYITIDAI。ERBAOXIANDETOUZILICAIGONGNENG,YOUQISHI“KAIMENHONG”ZHEIZHONGKUAIFANXINGTAIDECHANPIN,TIDAIPINBINGBUSHAO。SUOYI,RUGUOHAIMEIMAIZHONGJIXIAN、BAIWANYILIAOXIAN、YIWAIXIANDENGBAOZHANGLEICHANPINHUOZHEBAOEHAIBUGOUGAO,JIUBUYAOYOUXIANKAOLV“KAIMENHONG”CHANPIN。

CIWAI,ZAI“KAIMENHONG”HUODONGQIJIAN,YOUDEBAOXIANXIAOSHOUYUANWEICHONGYEJI,YI“JIJIANGTINGSHOU”“XIANSHIXIANLIANG”“CHANPINDAZHE”DENGGAINIANYOUDAOXIAOFEIZHECHONGDONGXIAOFEI;YEYOUDEXIAOSHOURENYUANWEIHUODEGONGSIGAOEJIANGLI,KUADACHANPINXUANCHUAN。BIRUZAIJIESHAOFENHONGXING、TOUZILIANJIEXING、WANNENGXINGDENGRENSHENXIANCHANPINSHI,YILISHIJIAOGAOSHOUYILVJINXINGPILU、CHENGNUOBAOZHENGSHOUYIDENG,WUDAOXIAOFEIZHETOUBAO。DUICI,XIAOFEIZHEYINGJINFANGFENGXIAN,HELIXUANZEBAOXIANCHANPIN。

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