证☕(zheng)券✖(quan)时👋(shi)报🏛(bao)记💢(ji)者🛍(zhe) 邓🆑(deng)雄🕸(xiong)鹰🐇(ying) 刘🧟(liu)敬🚛(jing)元👤(yuan)作📞(zuo)为🖌(wei)管🕺(guan)理🕗(li)长😜(chang)期🎿(qi)风🐪(feng)险👩(xian)的🐰(de)行🐕(xing)业🅿(ye)，长🍛(chang)期✍(qi)低👁(di)利😹(li)率🌭(lv)对🚨(dui)于⚾(yu)保✝(bao)险🔁(xian)公📆(gong)司🎺(si)来🥚(lai)说🎦(shuo)是🈹(shi)个🔺(ge)巨🏪(ju)大🆕(da)的📞(de)挑🏦(tiao)战🚱(zhan)
继❔(ji)前❌(qian)一📜(yi)轮🎏(lun)下🕸(xia)调❎(tiao)后💇(hou)不🏤(bu)到🍟(dao)一➡(yi)年🥩(nian)，寿🌑(shou)险🚀(xian)产🆚(chan)品🌵(pin)的🎵(de)预🕰(yu)定💝(ding)利🆗(li)率🌗(lv)再🕴(zai)度🤳(du)触🥢(chu)碰✔(peng)下🚛(xia)调🈴(tiao)的🤾(de)窗🔣(chuang)口🚘(kou)期🛑(qi)。今👹(jin)年🎻(nian)以⛽(yi)来🗃(lai)，虽🐺(sui)然🦊(ran)权👑(quan)益😥(yi)市💊(shi)场🚚(chang)震🎠(zhen)荡👄(dang)上🕊(shang)升🤕(sheng)，但💖(dan)长🏴(chang)端💁(duan)利🥛(li)率☔(lv)下👢(xia)行🐷(xing)曲❔(qu)线🌋(xian)更🔈(geng)加🐓(jia)陡🚺(dou)峭😜(qiao)，人⏩(ren)身👗(shen)险🆗(xian)公🌃(gong)司🔉(si)利🏰(li)差👞(cha)损😺(sun)压🌷(ya)力🤔(li)进🚳(jin)一♐(yi)步💽(bu)加🏧(jia)剧✉(ju)。作😏(zuo)为🏥(wei)金📋(jin)融🥘(rong)市🎒(shi)场⬅(chang)“无👳(wu)风🥝(feng)险🧐(xian)收🕵(shou)益👨(yi)率👲(lv)”的💓(de)主🎞(zhu)要🚞(yao)参🚨(can)考🐱(kao)指⛄(zhi)标🗼(biao)，10年🈂(nian)期📍(qi)国🏛(guo)债🍥(zhai)收🔹(shou)益🤭(yi)率🌜(lv)是🐊(shi)衡🧛(heng)量⏸(liang)各🚱(ge)类☔(lei)资👵(zi)产🚑(chan)收📋(shou)益🔏(yi)率📥(lv)的🤘(de)锚⏲(mao)。目🧡(mu)前📬(qian)，10年🚹(nian)期🔬(qi)国🏉(guo)债🏈(zhai)收♍(shou)益🐻(yi)率🔋(lv)已💉(yi)下✈(xia)行🥡(xing)至😕(zhi)2.26%附🚐(fu)近😍(jin)。利🌙(li)率🦒(lv)下💪(xia)行🔵(xing)对🐼(dui)保💨(bao)险🍰(xian)公😳(gong)司🌨(si)经🕸(jing)营🥑(ying)的👄(de)影👖(ying)响💲(xiang)重🕍(zhong)大😥(da)且⛅(qie)深👧(shen)远🚱(yuan)。近📚(jin)年🔚(nian)来🎀(lai)，寿🥒(shou)险💣(xian)公⚽(gong)司🥀(si)盈📇(ying)利📼(li)普🐖(pu)遍🐵(bian)依🧤(yi)赖🍓(lai)于🐳(yu)利🆓(li)差🦒(cha)，主🥤(zhu)营🤧(ying)产🗼(chan)品😣(pin)中🐃(zhong)多🤸(duo)为🧕(wei)利🗜(li)率🕣(lv)敏📠(min)感🕗(gan)度🥖(du)高💔(gao)的🎱(de)传😮(chuan)统🌳(tong)年❤(nian)金🏖(jin)险🎐(xian)、终⛅(zhong)身😞(shen)寿🐧(shou)险💢(xian)等🕦(deng)产🍺(chan)品🥎(pin)。目🎍(mu)前🎈(qian)，不😤(bu)仅🎺(jin)是⬆(shi)当🆕(dang)期🍃(qi)新🚧(xin)保🗳(bao)单🥗(dan)面🚡(mian)临🖖(lin)利👈(li)差🌈(cha)损📖(sun)问💝(wen)题🏍(ti)，2013年🚬(nian)费🌄(fei)率🚷(lv)市🆗(shi)场🔬(chang)化⚽(hua)改🧠(gai)革💺(ge)以🍸(yi)来🌭(lai)，大🛒(da)量🍥(liang)预💬(yu)定🌵(ding)利🐕(li)率🌟(lv)4.025%、3.5%的🌭(de)保🔷(bao)单👱(dan)续🚀(xu)期🌻(qi)保🥥(bao)费🆑(fei)也💳(ye)承🐡(cheng)担🏎(dan)着♿(zhe)利🛡(li)差📂(cha)压🚙(ya)力😖(li)。大🏥(da)型🛬(xing)保🐑(bao)险💋(xian)公👽(gong)司🛐(si)由🧘(you)于📏(yu)经🎚(jing)营😴(ying)时🤞(shi)间👇(jian)长✂(chang)，总🕓(zong)体🏬(ti)负🅾(fu)债👥(zhai)成🗞(cheng)本🛎(ben)相🐦(xiang)对🧟(dui)较🕷(jiao)低㊙(di)，抗✈(kang)风⬅(feng)险🐵(xian)能🗡(neng)力🦅(li)更🕳(geng)强🐷(qiang)。对🙆(dui)于⛲(yu)中👧(zhong)小🐇(xiao)险❣(xian)企📼(qi)来💛(lai)说🎁(shuo)，所📎(suo)面🎯(mian)临🐻(lin)的🌽(de)问🛶(wen)题🥐(ti)和👄(he)挑🕡(tiao)战💘(zhan)更♉(geng)加😕(jia)严👘(yan)峻🛅(jun)。据👱(ju)记🕸(ji)者🗽(zhe)从🍣(cong)业💌(ye)内🔁(nei)了📟(le)解🐣(jie)，中🍕(zhong)小⛏(xiao)型📐(xing)人🐆(ren)身🅱(shen)险🐶(xian)公㊗(gong)司🎏(si)的🔕(de)负🔓(fu)债🍗(zhai)成🏰(cheng)本💿(ben)普🌿(pu)遍💃(bian)高👎(gao)于🆖(yu)3%mou 🦂(mou)shou 🍹(shou)xian 🔅(xian)gong 🕉(gong)si 🖤(si)fu 🚢(fu)ze 🛎(ze)ren 🥥(ren)jin 🎽(jin)nian 🐟(nian)zai 🍚(zai)ye 🎽(ye)nei 💋(nei)jiao 🌅(jiao)liu 🙎(liu)shi 🎠(shi)，yong 🤪(yong)“wei 🆖(wei)ji 🐭(ji)”er 🌨(er)zi 🎮(zi)lai 🏩(lai)xing ✂(xing)rong 😲(rong)zhong ⛳(zhong)xiao ♐(xiao)xing 😂(xing)ren 🚀(ren)shen 🛂(shen)xian 👐(xian)gong ✂(gong)si 😕(si)mian 🚑(mian)lin ⏬(lin)de 📶(de)chu 🕷(chu)jing 😥(jing)。gai 😱(gai)fu 🎓(fu)ze ✌(ze)ren 🦆(ren)biao 🖥(biao)shi 🥨(shi)，wo 🌲(wo)guo 🤤(guo)shou ⛱(shou)xian 💆(xian)ye 🐵(ye)jin ⏩(jin)ru 💠(ru)le 🅾(le)di 💷(di)li ⏰(li)lv 🥖(lv)、di 😓(di)shou 📪(shou)yi 🧑(yi)、di 🗽(di)chang 🔼(chang)fu 😑(fu)neng 🌥(neng)li 🛫(li)de ♊(de)“san 🔒(san)di 🛹(di)”jie 📡(jie)duan 🔡(duan)，jiang ✊(jiang)di 🔊(di)fu 😟(fu)zhai 🈚(zhai)cheng 📲(cheng)ben 🐊(ben)、kong 🙆(kong)zhi 🤽(zhi)li 🎭(li)lv 🏙(lv)min 📲(min)gan 🚀(gan)xing ⏳(xing)chan 🍂(chan)pin 🔅(pin)gui 🏣(gui)mo 🅾(mo)，yi 😲(yi)cheng 🐍(cheng)xian 🙂(xian)qi 🔹(qi)zi 🎆(zi)jiu 🏰(jiu)de 🚥(de)bi 🎻(bi)ran 💿(ran)xuan 🖖(xuan)ze 🤮(ze)。2023nian 🚜(nian)yi 🦓(yi)lai 🕞(lai)，jian 💝(jian)guan 🕹(guan)bu 🚻(bu)men 🎿(men)yi ☔(yi)wei 🐑(wei)tui 💤(tui)dong 🐎(dong)shou 🕒(shou)xian 📄(xian)ye 🍊(ye)fu 😠(fu)zhai 🌈(zhai)cheng 🏰(cheng)ben 💨(ben)xia 👖(xia)jiang 🗡(jiang)zuo ⛺(zuo)le 😬(le)zhu 🤙(zhu)duo 💢(duo)gong 😷(gong)zuo 🧕(zuo)。qu 👍(qu)nian 🍁(nian)8yue ➰(yue)qi 🍎(qi)，bao ☕(bao)xian 📼(xian)gong ⚾(gong)si ❎(si)an 🕷(an)jian 🎆(jian)guan 🍻(guan)yao 🎲(yao)qiu 🎫(qiu)ting 🚀(ting)shou 🔕(shou)suo 🚃(suo)you 🥟(you)yu 🚺(yu)ding ✔(ding)li ✒(li)lv 😿(lv)gao 🕕(gao)yu 🚯(yu)3%de 🐺(de)chuan 👃(chuan)tong 🥊(tong)shou 🙅(shou)xian 👟(xian)、yu 🛀(yu)ding 🏺(ding)li 📗(li)lv 🅿(lv)gao 🏑(gao)yu 🥗(yu)2.5%de 🐺(de)fen 💭(fen)hong 🕗(hong)bao 🏎(bao)xian 🔣(xian)he 📲(he)zui 📫(zui)di 📹(di)bao ⏪(bao)zheng 🕯(zheng)li 🏃(li)lv 🥤(lv)gao 🔺(gao)yu 🔎(yu)2%de 💢(de)wan 🖌(wan)neng 🥥(neng)bao 🏩(bao)xian 🐙(xian)。jin 🚎(jin)nian 🛡(nian)nian 👡(nian)chu 🔪(chu)，jian ♎(jian)guan 🍷(guan)jin 🔪(jin)yi 📦(yi)bu 🏛(bu)yao 😀(yao)qiu 🐄(qiu)tiao 🚟(tiao)di 🛍(di)wan 🕹(wan)neng 👺(neng)xian 🙄(xian)jie 💙(jie)suan 🖖(suan)li 🍄(li)lv 🎻(lv)。ci ✡(ci)wai 🌊(wai)，jian 🐨(jian)guan 🐪(guan)bu 🍤(bu)men 🈷(men)hai 👗(hai)ji 🈁(ji)ji 🤦(ji)tui 👫(tui)dong 💒(dong)xing 🛃(xing)ye ♟(ye)jiang 👷(jiang)di 🍛(di)fei 🍅(fei)yong 🎤(yong)cheng ✝(cheng)ben 🖐(ben)，tong ✔(tong)guo 🤝(guo)zai 🏍(zai)quan 😖(quan)qu 🔲(qu)dao 🌴(dao)shi 🍞(shi)xing 🛴(xing)“bao 🤓(bao)xing ♊(xing)he 🐃(he)yi ❓(yi)”yin 🦍(yin)dao 🗣(dao)bao 👩(bao)xian 🤽(xian)gong 🐇(gong)si 🌪(si)suan 😿(suan)zhang 🔙(zhang)jing 🔤(jing)ying 🎒(ying)，jiang 🌺(jiang)di 😩(di)jing 🏏(jing)ying 🎌(ying)cheng 💰(cheng)ben 🙆(ben)。yi 🤶(yi)xie 🐡(xie)bao 🍴(bao)xian 🚜(xian)gong 🙆(gong)si 🏯(si)yi 🤢(yi)zai 💵(zai)ji 🚙(ji)ji ♍(ji)xing 🎋(xing)dong 🥤(dong)，bao 💅(bao)kuo ⏯(kuo)kai 🏪(kai)fa 👊(fa)li 🦗(li)lv 🍆(lv)min 🚕(min)gan 😔(gan)du 🌿(du)xiang 🔘(xiang)dui 🏘(dui)jiao 💾(jiao)di 📖(di)de 🕉(de)fen 🍱(fen)hong 🍇(hong)xian 🥗(xian)，tong 💈(tong)guo 🌨(guo)“bao 🏆(bao)xian 🥉(xian)+fu 🗻(fu)wu 🏪(wu)”lian 🍪(lian)jie 😹(jie)yang 👖(yang)lao 🏎(lao)jian 🥟(jian)kang 😿(kang)sheng ⭐(sheng)tai 💷(tai)quan ❄(quan)，geng 🕯(geng)hao 😸(hao)di 🦐(di)man 🌍(man)zu 📖(zu)ke 🤼(ke)hu 💘(hu)ge 👑(ge)xing 🚖(xing)hua 🤡(hua)xu 😽(xu)qiu 🔄(qiu)，yi 📚(yi)ji 🐿(ji)zai 📜(zai)zi 🧖(zi)chan 🚇(chan)duan 😿(duan)jia 🚥(jia)qiang 🚩(qiang)yu 🌅(yu)fu 🤗(fu)zhai 🧠(zhai)duan 👣(duan)lian 👰(lian)dong ✅(dong)，wan 🏘(wan)shan 🎏(shan)zi 🕜(zi)chan 📁(chan)fu 🦃(fu)zhai 🚱(zhai)pi 🚐(pi)pei 📓(pei)lian 🍢(lian)dong ❄(dong)ji 👞(ji)kao 🚊(kao)he 🔄(he)ji 🎞(ji)zhi 🌷(zhi)，jin 😕(jin)yi 🛃(yi)bu 🍼(bu)ti ⛔(ti)sheng 🚧(sheng)tou 🛀(tou)yan ✍(yan)neng 🙊(neng)li 👖(li)。zai 🏻(zai)quan 🍕(quan)qiu 🍁(qiu)bao 🎒(bao)xian 🕟(xian)ye 🖌(ye)，li 👭(li)cha 🌍(cha)sun 🏤(sun)zeng 🐏(zeng)shu 👇(shu)ci 🚋(ci)xian 🌮(xian)lu 🚻(lu)“liao 🌽(liao)ya 🌃(ya)”。cong 🏪(cong)bao ⛄(bao)xian 🌸(xian)gong 🛋(gong)si 🖼(si)jiao 🌭(jiao)du 👵(du)lai 🛡(lai)kan 🏦(kan)，ying 🍿(ying)dui 🤟(dui)li 🚧(li)cha 📪(cha)sun 🤔(sun)de 📲(de)guan 🔦(guan)jian 🔕(jian)shi 🙁(shi)fu 🎽(fu)zhai 💪(zhai)he 🙌(he)tou 🧑(tou)zi 💜(zi)liang 👂(liang)duan 🎨(duan)fa 😴(fa)li 🧠(li)，jin 😲(jin)yi 🏔(yi)bu 🥪(bu)jing 🌗(jing)xi 😲(xi)hua 🛬(hua)、zhuan 🍠(zhuan)ye 🥌(ye)hua ❎(hua)jing 🤟(jing)ying 🧠(ying)，bing 🥨(bing)zuo 🌅(zuo)hao 💋(hao)zi 🤸(zi)chan 🐘(chan)he 🥑(he)fu 👶(fu)zhai 🏙(zhai)lian 🦀(lian)dong 💼(dong)――zi 👶(zi)chan ➰(chan)duan 🤴(duan)jin 💺(jin)yi 🦕(yi)bu ⛰(bu)wan 🐯(wan)shan ㊙(shan)zi 🔮(zi)chan 💮(chan)pei 📑(pei)zhi ♏(zhi)，hang 💦(hang)shi ⏰(shi)tou 🔊(tou)zi 🛵(zi)neng 📦(neng)li 🥖(li)；fu 🚖(fu)zhai 🌙(zhai)duan 🏃(duan)duo 🤳(duo)yuan 🔹(yuan)hua 🤶(hua)li 💊(li)yuan 🏚(yuan)jie 🤥(jie)gou 💃(gou)，you 🔸(you)hua 👇(hua)fu 🔣(fu)zhai 🍮(zhai)cheng 📁(cheng)ben 🤙(ben)。zhi 😁(zhi)you 🎷(you)duo 🚅(duo)cuo 🚵(cuo)bing 📹(bing)ju ⏸(ju)、wen 💌(wen)jian 👢(jian)jing 🗽(jing)ying 🕍(ying)，fang ♟(fang)neng 🥫(neng)chuan 🎄(chuan)yue 💨(yue)zhou 🦖(zhou)qi ➿(qi)mi 📛(mi)wu 🖍(wu)，zhu 🦃(zhu)jiu 🌲(jiu)chang 📩(chang)jiu 🕘(jiu)ji 🔊(ji)ye 🌺(ye)。