每經AI快訊(xun)，繼9月1日(ri)(ri)普通型保(bao)險(xian)(xian)(xian)產品(pin)(pin)預(yu)定利(li)率上(shang)限下(xia)(xia)調至2.5%之(zhi)后，10月1日(ri)(ri)起(qi)，分(fen)(fen)(fen)紅(hong)型保(bao)險(xian)(xian)(xian)產品(pin)(pin)預(yu)定利(li)率上(shang)限、萬能(neng)型保(bao)險(xian)(xian)(xian)產品(pin)(pin)最低保(bao)證利(li)率上(shang)限分(fen)(fen)(fen)別下(xia)(xia)調至2.0%、1.5%。中國(guo)證券報記者調研(yan)了解到(dao)，部(bu)(bu)分(fen)(fen)(fen)保(bao)險(xian)(xian)(xian)公(gong)司已陸續(xu)上(shang)線預(yu)定利(li)率2.0%的(de)分(fen)(fen)(fen)紅(hong)險(xian)(xian)(xian)產品(pin)(pin)。 在市場利(li)率不斷下(xia)(xia)行背景下(xia)(xia)，“保(bao)底+浮(fu)動”特性的(de)分(fen)(fen)(fen)紅(hong)險(xian)(xian)(xian)產品(pin)(pin)受到(dao)關注(zhu)。監管(guan)部(bu)(bu)門發文鼓勵險(xian)(xian)(xian)企發展分(fen)(fen)(fen)紅(hong)險(xian)(xian)(xian)產品(pin)(pin)，部(bu)(bu)分(fen)(fen)(fen)險(xian)(xian)(xian)企也表示將(jiang)提高(gao)分(fen)(fen)(fen)紅(hong)險(xian)(xian)(xian)銷售占比。業內人士認為(wei)，無論是渠道(dao)適應分(fen)(fen)(fen)紅(hong)險(xian)(xian)(xian)銷售，還(huan)是客戶消費傾向的(de)轉變，都需要(yao)(yao)一段(duan)時間。為(wei)了更好推廣分(fen)(fen)(fen)紅(hong)險(xian)(xian)(xian)產品(pin)(pin)，還(huan)需要(yao)(yao)保(bao)險(xian)(xian)(xian)公(gong)司加強對銷售人員的(de)培訓，提高(gao)投資管(guan)理水平等。（中國(guo)證券報）