{"id":444726,"date":"2025-03-14T18:58:58","date_gmt":"2025-03-15T01:58:58","guid":{"rendered":"https:\/\/icitynews.com\/?p=444726"},"modified":"2025-03-14T18:58:58","modified_gmt":"2025-03-15T01:58:58","slug":"%e7%be%8e%e8%82%a1%e5%9b%9e%e8%b0%83%ef%bc%9a%e5%85%b3%e7%a8%8e%e9%98%b4%e5%bd%b1%e4%b8%8b%e7%9a%84%e5%b8%82%e5%9c%ba%e9%9c%87%e8%8d%a1%ef%bc%8c%e6%8c%87%e6%95%b0%e5%9e%8b%e4%bf%9d%e9%99%a9%e4%ba%a7","status":"publish","type":"post","link":"https:\/\/icitynews.com\/?p=444726","title":{"rendered":"\u7f8e\u80a1\u56de\u8c03\uff1a\u5173\u7a0e\u9634\u5f71\u4e0b\u7684\u5e02\u573a\u9707\u8361\uff0c\u6307\u6570\u578b\u4fdd\u9669\u4ea7\u54c1\u53d7\u5f71\u54cd\u5417\uff1f"},"content":{"rendered":"<p>\u8fd1\u671f\uff0c\u7f8e\u56fd\u80a1\u5e02\u7ecf\u5386\u5267\u70c8\u6ce2\u52a8\uff0c\u6807\u666e500\u6307\u6570\u6b63\u5f0f\u8fdb\u5165\u56de\u8c03\u533a\u95f4\uff0c\u79d1\u6280\u80a1\u3001\u84dd\u7b79\u80a1\u666e\u904d\u4e0b\u632b\uff0c\u5f15\u53d1\u5e02\u573a\u5bf9\u672a\u6765\u8d70\u52bf\u7684\u5e7f\u6cdb\u5173\u6ce8\u3002\u7279\u6717\u666e\u7684\u65b0\u4e00\u8f6e\u5173\u7a0e\u5a01\u80c1\u4ee5\u53ca\u5bf9\u7ecf\u6d4e\u589e\u957f\u653e\u7f13\u7684\u62c5\u5fe7\uff0c\u6210\u4e3a\u672c\u8f6e\u5e02\u573a\u9707\u8361\u7684\u6838\u5fc3\u9a71\u52a8\u529b\u3002\u8fd9\u4e00\u6ce2\u5e02\u573a\u56de\u8c03\u4e0d\u4ec5\u5f71\u54cd\u4e86\u80a1\u7968\u6295\u8d44\u8005\uff0c\u4e5f\u8ba9\u4e0d\u5c11\u62e5\u6709\u6307\u6570\u578b\u4eba\u5bff\u4fdd\u9669\uff08IUL\uff09\u6216\u5e74\u91d1\u7684\u5ba2\u6237\u611f\u5230\u62c5\u5fe7\u3002<\/p>\n<p><strong>\u6807\u666e500\u6307\u6570\u8fdb\u5165\u56de\u8c03\u533a\u95f4\uff0c\u5e02\u573a\u907f\u9669\u60c5\u7eea\u5347\u6e29<br \/>\n<\/strong>\u622a\u81f33\u670814\u65e5\u6536\u76d8\uff0c\u6807\u666e500\u6307\u6570\u4e0b\u8dcc1.4%\uff0c\u6536\u4e8e5,521.52\u70b9\uff0c\u8f832\u670819\u65e5\u7684\u5386\u53f2\u9ad8\u70b96,144.15\u70b9\u4e0b\u8dcc\u903e10%\uff0c\u6b63\u5f0f\u8fdb\u5165\u56de\u8c03\u533a\u95f4\u3002\u8fd9\u4e00\u8c03\u6574\u4ec5\u7528\u4e8616\u4e2a\u4ea4\u6613\u65e5\uff0c\u6210\u4e3a\u81ea2020\u5e743\u6708\u65b0\u51a0\u75ab\u60c5\u66b4\u53d1\u4ee5\u6765\u6700\u5feb\u7684\u56de\u8c03\u3002\u540c\u65f6\uff0c\u7eb3\u65af\u8fbe\u514b\u7efc\u5408\u6307\u6570\u4e0b\u8dcc\u8fd12%\uff0c\u9053\u743c\u65af\u6307\u6570\u4e0b\u8dcc1.3%\uff0c\u5e02\u573a\u6574\u4f53\u8fdb\u5165\u907f\u9669\u6a21\u5f0f\u3002<\/p>\n<p>\u5386\u53f2\u6570\u636e\u663e\u793a\uff0c\u81ea2008\u5e74\u4ee5\u6765\uff0c\u6807\u666e500\u6307\u6570\u5728\u8fdb\u5165\u56de\u8c03\u533a\u95f4\u540e\u7684\u7b2c\u4e00\u4e2a\u6708\uff0c\u80a1\u5e02\u5e73\u5747\u4e0b\u8dcc1.7%\uff0c\u4f46\u968f\u540e\u4e09\u4e2a\u6708\u548c\u516d\u4e2a\u6708\u5185\u5f80\u5f80\u4f1a\u53cd\u5f39\uff0c\u5206\u522b\u4e0a\u6da82.1%\u548c\u8fd15%\u3002\u4e00\u5e74\u540e\u5e73\u5747\u6da8\u5e45\u751a\u81f3\u53ef\u8fbe15.3%\u3002\u8fd9\u8868\u660e\u5e02\u573a\u77ed\u671f\u6216\u8bb8\u627f\u538b\uff0c\u4f46\u957f\u671f\u6765\u770b\uff0c\u7f8e\u80a1\u4ecd\u6709\u671b\u4f01\u7a33\u56de\u5347\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-444727\" src=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2025\/03\/\u56fe\u7247-1.png\" alt=\"\" width=\"446\" height=\"336\" \/><\/p>\n<p><u>\u603b\u7edf\u5927\u9009\u524d\u540e\u80a1\u5e02\u8d8b\u52bf\u56fe<\/u><\/p>\n<p><strong>\u6307\u6570\u578b\u4fdd\u9669\u4ea7\u54c1\u662f\u5426\u4f1a\u53d7\u5230\u5f71\u54cd\uff1f<br \/>\n<\/strong>\u672c\u8f6e\u5e02\u573a\u6ce2\u52a8\u8ba9\u4e0d\u5c11\u6301\u6709**\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669\uff08IUL\uff09\u6216\u6307\u6570\u5e74\u91d1\uff08Fixed Index Annuities, FIA\uff09**\u7684\u5ba2\u6237\u5f00\u59cb\u62c5\u5fe7\uff0c\u81ea\u5df1\u7684\u8d26\u6237\u662f\u5426\u4f1a\u53d7\u5230\u5e02\u573a\u56de\u8c03\u7684\u5f71\u54cd\u3002<\/p>\n<p>\u5b9e\u9645\u4e0a\uff0c\u4e0e\u76f4\u63a5\u6295\u8d44\u80a1\u5e02\u4e0d\u540c\uff0cIUL \u548c\u6307\u6570\u5e74\u91d1\u7684\u8bbe\u8ba1\u672c\u8eab\u5c31\u8003\u8651\u5230\u4e86\u5e02\u573a\u6ce2\u52a8\u7684\u98ce\u9669\uff0c\u4e3b\u8981\u6709\u4ee5\u4e0b\u51e0\u70b9\u4fdd\u969c\u673a\u5236\uff1a<\/p>\n<ol>\n<li><strong>\u8bbe\u6709\u5e02\u573a\u4fdd\u62a4\u673a\u5236\uff08Zero Floor Protection\uff09<\/strong><\/li>\n<\/ol>\n<p>IUL \u548c\u6307\u6570\u5e74\u91d1\u901a\u5e38\u4e0d\u4f1a\u56e0\u5e02\u573a\u4e0b\u8dcc\u800c\u4e8f\u635f\uff0c\u5373\u4f7f\u6807\u666e500\u6307\u6570\u51fa\u73b0\u5927\u5e45\u56de\u8c03\uff0c\u60a8\u7684\u8d26\u6237\u6536\u76ca\u4e0d\u4f1a\u53d8\u4e3a\u8d1f\u6570\uff0c\u6700\u574f\u60c5\u51b5\u662f\u6536\u76ca\u4e3a\u96f6\u3002<strong>\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u5373\u4f7f\u67090%\u7684\u4fdd\u5e95\u6536\u76ca\uff0c\u4fdd\u5355\u4ecd\u9700\u627f\u62c5\u5404\u7c7b\u6210\u672c\u8d39\u7528\uff0c\u5982\u679c\u957f\u671f\u6536\u76ca\u8868\u73b0\u4e0d\u4f73\uff0c\u4ecd\u53ef\u80fd\u9762\u4e34\u5931\u6548\u7684\u98ce\u9669\u3002<\/strong><\/p>\n<ol start=\"2\">\n<li><strong>\u6536\u76ca\u589e\u957f\u4ecd\u6709\u4e0a\u9650\uff0c\u4f46\u907f\u514d\u5e02\u573a\u5d29\u76d8\u635f\u5931<\/strong><\/li>\n<\/ol>\n<p>\u5728\u5e02\u573a\u4e0a\u6da8\u65f6\uff0cIUL \u548c\u6307\u6570\u5e74\u91d1\u901a\u5e38\u6709\u6536\u76ca\u4e0a\u9650\uff08Cap Rate\uff09\u6216\u53c2\u4e0e\u7387\uff08Participation Rate\uff09\uff0c\u4f8b\u5982\u5e02\u573a\u4e0a\u6da810%\uff0c\u60a8\u7684\u8d26\u6237\u53ef\u80fd\u83b7\u5f976%-8%\u7684\u6536\u76ca\uff0c\u4f46\u540c\u65f6\u4e5f\u89c4\u907f\u4e86\u5e02\u573a\u5927\u8dcc\u5e26\u6765\u7684\u76f4\u63a5\u635f\u5931\u3002<br \/>\n<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-444728\" src=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2025\/03\/\u56fe\u7247-2.png\" alt=\"\" width=\"624\" height=\"372\" \/><br \/>\n\u6211\u4eec\u4ee5\u67d0\u5bb6\u4fdd\u9669\u516c\u53f8\u7684IUL\u4ea7\u54c1\u53ef\u9009\u62e9\u7684\u7b56\u7565\u4e3a\u4f8b\uff0c\u60a8\u53ef\u4ee5\u9009\u62e9\u8fd9\u5bb6\u4fdd\u9669\u516c\u53f8\u6240\u63d0\u4f9b\u7684\u4efb\u4f55\u4e00\u4e2a\u6307\u6570\u7b56\u7565\uff0c\u6216\u8005\u4fdd\u8bc1\u6536\u76ca\u7b56\u7565\u8d26\u6237\uff0c\u4e5f\u53ef\u4ee5\u9009\u62e9\u591a\u79cd\u4e0d\u540c\u7684\u6307\u6570\u7b56\u7565\uff0c\u81ea\u884c\u51b3\u5b9a\u6bcf\u4e00\u79cd\u7b56\u7565\u7684\u5206\u914d\u6bd4\u4f8b\uff08Allocation\uff09\uff0c\u7075\u6d3b\u7a0b\u5ea6\u5f88\u9ad8\u3002<\/p>\n<ul>\n<li><strong>Index Cap: <\/strong>\u5c01\u9876\u653f\u7b56\u3002\u4e00\u4e2a\u5468\u671f\u5c06\u88ab\u8bb0\u5165\u7684\u6700\u9ad8\u5229\u7387\u3002\u5982\u679c\u6307\u6570\u7684\u8868\u73b0\u5927\u4e8e\u6700\u9ad8\u5229\u7387\u7684\u4e0a\u9650\uff0c\u5219\u4f1a\u6309\u7167\u5229\u7387\u7684\u4e0a\u9650\u6765\u8ba1\u7b97\u3002\u5047\u8bbe\u6211\u4eec\u9009\u62e9\u53c2\u8003\u6807\u666e500\uff0c\u8fc7\u53bb\u4e00\u4e2a\u5468\u671f\u4e0a\u6da8\u4e8610%\uff0c\u800c\u5229\u7387\u4e0a\u9650\u4e3a25%\uff0c\u90a3\u4e48\u6307\u6570\u8d26\u6237\u83b7\u5f97\u7684\u5206\u7ea2\u6700\u591a\u4e3a9.25%\u3002\u4fdd\u9669\u516c\u53f8\u6709\u6743\u66f4\u6539Cap Rate\uff0c\u5982\u679c\u5229\u7387\u4e0a\u9650\u4e0b\u964d\u52306%\uff0c\u5373\u4fbf\u6307\u6570\u4e0a\u6da8\u4e8615%\uff0c\u80fd\u591f\u83b7\u5f97\u7684\u5b9e\u9645\u5229\u7387\u5206\u7ea2\u4e5f\u53ea\u67096%\u3002<\/li>\n<li><strong>Index Floor: <\/strong>\u4fdd\u5e95\u653f\u7b56\u3002\u4e00\u4e2a\u5468\u671f\u5c06\u88ab\u8bb0\u5165\u7684\u6700\u4f4e\u5229\u7387\u3002\u5982\u679c\u6307\u6570\u7684\u8868\u73b0\u5c0f\u4e8e\u6700\u4f4e\u5229\u7387\u7684\u4e0b\u9650\uff0c\u5219\u4f1a\u6309\u7167\u5229\u7387\u7684\u4e0b\u9650\u6765\u8ba1\u7b97\u3002\u5982\u679c\u6307\u6570\u7684\u53d8\u5316\u662f\u8d1f\u6570\uff0c\u7531\u4e8eIUL\u6709\u4fdd\u5e95\u7684\u4fdd\u62a4\u89c4\u5b9a\uff08\u901a\u5e38\u4e3a0%\uff09\uff0c\u56e0\u6b64\u5373\u4f7f\u6307\u6570\u635f\u5931\u4e86\u4ef7\u503c\uff0cIUL\u7684\u7b56\u7565\u4e5f\u4f1a\u6709\u4e00\u4e2a\u4fdd\u5e95\u3002<\/li>\n<li><strong>Index Participation Rate:<\/strong> \u6307\u6570\u7684\u53c2\u4e0e\u7387\u3002\u5f71\u54cd\u6307\u6570\u8d26\u6237\u6536\u76ca\u7684\u9664\u4e86\u5229\u7387\u4e0a\u9650\u4ee5\u5916\u8fd8\u6709\u4e00\u4e2a\u53c2\u4e0e\u7387\u6307\u6807\uff0c\u6307\u6570\u8d26\u6237\u7684\u6536\u76ca\u5229\u7387\u8fd8\u8981\u4e58\u4ee5\u4fdd\u9669\u516c\u53f8\u8bbe\u7f6e\u7684\u53c2\u4e0e\u7387\uff0c\u4fdd\u9669\u516c\u53f8\u6709\u6743\u81ea\u884c\u66f4\u6539\u6307\u6570\u8d26\u6237\u7684\u53c2\u4e0e\u7387\u3002<br \/>\n\u5982\u679c\u53c2\u4e0e\u7387\u662f100% \u6307\u6570\u8d26\u6237\u8fd9\u4e00\u5468\u671f\u7684\u5229\u7387\u4e3aCap 10% X Participation Rate 100% = 10%\uff1b\u5982\u679c\u53c2\u4e0e\u7387\u662f50%\uff0c\u90a3\u4e48\u6307\u6570\u8d26\u6237\u7684\u5229\u7387\u5219\u4e3a5%\u3002<\/li>\n<li><strong>Max Illustrate Rate:<\/strong>\u6700\u5927\u6f14\u793a\u5229\u7387\u3002\u81ea 2023 \u5e74 5 \u6708 1 \u65e5\u8d77\uff0c\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669\u7684\u65b0\u76d1\u7ba1\u6761\u4f8b\u5b9e\u65bd\u3002\u8fd9\u662fActuarial Guideline 49 (AG49) \u7cbe\u7b97\u6307\u5357\u4e2d\u7684\u6700\u65b0\u4e00\u7248\uff0c\u662f\u7f8e\u56fd\u56fd\u5bb6\u4fdd\u9669\u59d4\u5458\u4f1a(NAIC) \u6839\u636e AG49 \u5b9e\u65bd\u7684\u7b2c\u4e09\u6b21IUL\u6f14\u793a\u66f4\u6539\u3002<\/li>\n<\/ul>\n<ol start=\"3\">\n<li><strong>\u957f\u671f\u6765\u770b\uff0c\u5e02\u573a\u56de\u8c03\u53ef\u80fd\u63d0\u4f9b\u672a\u6765\u589e\u957f\u673a\u4f1a<\/strong><\/li>\n<\/ol>\n<p>\u7531\u4e8e\u6307\u6570\u578b\u4fdd\u9669\u4ea7\u54c1\u7684\u5229\u606f\u901a\u5e38\u4f9d\u636e\u524d\u4e00\u5e74\u7684\u5e02\u573a\u8868\u73b0\uff0c\u5f53\u5e02\u573a\u56de\u8c03\u540e\uff0c\u5982\u679c\u540e\u7eed\u51fa\u73b0\u53cd\u5f39\uff0c\u5ba2\u6237\u8d26\u6237\u7684\u589e\u957f\u6f5c\u529b\u4f9d\u7136\u5b58\u5728\u3002\u5386\u53f2\u6570\u636e\u663e\u793a\uff0c\u6807\u666e500\u6307\u6570\u5728\u8fdb\u5165\u56de\u8c03\u533a\u95f4\u540e\u768412\u4e2a\u6708\u5185\uff0c\u5e73\u5747\u6da8\u5e45\u9ad8\u8fbe15.3%\uff0c\u8fd9\u610f\u5473\u7740\u672a\u6765\u5e02\u573a\u590d\u82cf\u540e\uff0c\u60a8\u7684\u8d26\u6237\u4ecd\u6709\u673a\u4f1a\u4eab\u53d7\u957f\u671f\u590d\u5229\u589e\u957f\u3002<\/p>\n<p><strong>\u5e02\u573a\u52a8\u8361\u4e0b\u7684\u8d22\u5bcc\u89c4\u5212\u5efa\u8bae<br \/>\n<\/strong>\u9762\u5bf9\u5f53\u524d\u5e02\u573a\u7684\u4e0d\u786e\u5b9a\u6027\uff0c\u6295\u8d44\u8005\u548c\u4fdd\u9669\u6301\u6709\u4eba\u53ef\u4ee5\u91c7\u53d6\u4ee5\u4e0b\u63aa\u65bd\uff0c\u4ee5\u786e\u4fdd\u8d44\u4ea7\u7a33\u5065\u589e\u957f\uff1a<\/p>\n<ol>\n<li><strong>\u8bc4\u4f30\u624b\u4e2d\u7684\u6307\u6570\u578b\u4fdd\u9669\u4ea7\u54c1\uff0c\u4e86\u89e3\u4ea7\u54c1\u7684\u4fdd\u5e95\u6536\u76ca<\/strong><\/li>\n<\/ol>\n<p>\u6301\u6709IUL \u6216\u6307\u6570\u5e74\u91d1\u7684\u5ba2\u6237\uff0c\u53ef\u4ee5\u54a8\u8be2\u81ea\u5df1\u7684\u4fdd\u9669\u987e\u95ee\uff0c\u786e\u8ba4\u4fdd\u5355\u7684\u6700\u4f4e\u4fdd\u8bc1\u6536\u76ca\u7387\uff0c\u786e\u4fdd\u81ea\u5df1\u4e0d\u4f1a\u56e0\u5e02\u573a\u4e0b\u8dcc\u800c\u906d\u53d7\u635f\u5931\u3002<br 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src=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2025\/03\/\u56fe\u7247-6.png\" alt=\"\" width=\"624\" height=\"88\" \/><\/li>\n<li><strong>\u4e13\u4e1a\u8d22\u52a1\u987e\u95ee\u7684\u5efa\u8bae\uff1a<\/strong>\u8ddf\u8e2aIUL\u7684\u6307\u6570\u8868\u73b0\u662f\u4e00\u4e2a\u6301\u7eed\u7684\u8fc7\u7a0b\u3002\u5b9a\u671f\u8bc4\u4f30\u60a8\u7684\u7406\u8d22\u7b56\u7565\u548c\u76ee\u6807\uff0c\u5e76\u6839\u636e\u5e02\u573a\u6761\u4ef6\u505a\u51fa\u76f8\u5e94\u8c03\u6574\u662f\u81f3\u5173\u91cd\u8981\u7684\u3002\u54a8\u8be2\u4e13\u4e1a\u7684\u8d22\u52a1\u987e\u95ee\u53ef\u4ee5\u6839\u636e\u60a8\u7684\u7406\u8d22\u76ee\u6807\u548c\u98ce\u9669\u627f\u53d7\u80fd\u529b\u63d0\u4f9b\u4e2a\u6027\u5316\u7684\u5efa\u8bae\uff0c\u5e76\u5e2e\u52a9\u60a8\u5236\u5b9a\u9002\u5408\u60a8\u7684\u8ddf\u8e2a\u7b56\u7565\u3002<\/li>\n<\/ul>\n<ol 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loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-444730\" src=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2025\/03\/\u56fe\u7247-4.png\" alt=\"\" width=\"520\" height=\"294\" \/><\/p>\n<p class=\"post-copyright\">\u672a\u7ecf\u5141\u8bb8\u4e0d\u5f97\u8f6c\u8f7d\uff1a<a href=\"https:\/\/icitynews.com\">\u57ce\u5e02\u65b0\u95fb\u7f51icitynews<\/a> &raquo; <a href=\"https:\/\/icitynews.com\/?p=444726\">\u7f8e\u80a1\u56de\u8c03\uff1a\u5173\u7a0e\u9634\u5f71\u4e0b\u7684\u5e02\u573a\u9707\u8361\uff0c\u6307\u6570\u578b\u4fdd\u9669\u4ea7\u54c1\u53d7\u5f71\u54cd\u5417\uff1f<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>\u8fd1\u671f\uff0c\u7f8e\u56fd\u80a1\u5e02\u7ecf\u5386\u5267\u70c8\u6ce2\u52a8\uff0c\u6807\u666e500\u6307\u6570\u6b63\u5f0f\u8fdb\u5165\u56de\u8c03\u533a\u95f4\uff0c\u79d1\u6280\u80a1\u3001\u84dd\u7b79\u80a1\u666e\u904d\u4e0b\u632b\uff0c\u5f15\u53d1\u5e02\u573a\u5bf9\u672a\u6765\u8d70\u52bf\u7684\u5e7f\u6cdb\u5173\u6ce8\u3002\u7279\u6717\u666e\u7684\u65b0\u4e00\u8f6e\u5173\u7a0e\u5a01\u80c1\u4ee5\u53ca\u5bf9\u7ecf\u6d4e\u589e\u957f\u653e\u7f13\u7684\u62c5\u5fe7\uff0c\u6210\u4e3a\u672c\u8f6e\u5e02\u573a\u9707\u8361\u7684\u6838\u5fc3\u9a71\u52a8\u529b\u3002\u8fd9\u4e00\u6ce2\u5e02 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