As the capital markets fell sharply, with close ties to vote even dangerous products sales experience "cold", the bank sales channel will start to focus on dividend-insurance products. Experts said that consumers buy insurance products or to focus on security functions in the current market environment, not the pursuit of high-yield, but pay attention to risk control.
Universal insurance rates under downward pressure
Western reporters yesterday came to the door of the Industrial and Commercial Bank of the Office business, the display counter of the two materials are dividends products. When a reporter's question whether the right insurance products recommended, the network of financial planning room staff recommendation to buy insurance dividends, "the product of a stable income, in addition to recover after the expiry of the principal, but also to enjoy a certain proportion of Dividends. "
In the financial management of insurance products, investment and even risk being dragged down the stock market's weak performance, and universal insurance settlement rate is also facing constant downward pressure by a relatively small impact on the stock market, robust income dividend risk gradually attracted the attention of consumers.
The so-called risk sharing, refers to the insurance company in each fiscal year after the end of the fiscal year dividend of such insurance could be allocated surplus, according to a certain portion of the cash dividend or a dividend value-added approach to the allocation of a client's life Insurance. Dividends is a function of life insurance.
It is understood that the current risk of a dividend distribution of dividends are mainly in two ways, by the amount of cash dividends and bonus. The former is in the form of direct cash surplus will be allocated to policy holders. At present, most domestic insurance companies to take this approach. The dividend increase is the whole insurance period each year in order to increase the amount of insurance the way dividend distribution.
It is necessary to remind the public that despite the steady dividend income insurance, but the product does not promise at the end of insurance proceeds, the level of dividends depends entirely on the state of operations, a loss if the company is likely to lower the level of dividends or even stop the dividend. Therefore, sales staff can not undertake the level of dividends, or else they would belong to the misleading sales.
Due to the recent central bank rate cut in a row, and many worry that its dividend policy holders will be affected by interest rates, dividends and time deposit products with the bank or bonds were compared. Sun Yat-sen University Risk Management and Insurance Department of dawn, Professor Shen told reporters that the above-mentioned products between each other can not be replaced, nor have comparable insurance is to protect the core.
Emphasis should be placed on security functions
This reporter has learned that dividend risk is to invest our money in bonds, deposits, funds and large-scale infrastructure construction projects, such as relatively stable, with bank deposits accounted for the bulk agreement is very important proportion. Therefore, the interest rate will be reduced to a certain extent, investment income of insurance companies. But analysts said that despite the rate cut into the channel, but because of large deposits in the agreement to cut interest rates before the lock, the insurance companies the impact is difficult to say.
Shen Shuguang, a professor said that insurance products, consumers should focus on security features, do not just look at short-term return on their investment.
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