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燕  一、分红保险发展背景  近年来,金融市场利率下行趋势显著,为规范保险市场秩序,减轻寿险公司在负债端的压力,监管要求下调寿险市场的预定利率上限,短短三年时间,人身保险产品预定利率上限经历了“4.025%—3.5%—3.0%—2.5%”的三次调整,2024年9月1日起,人身保险产品预定利率正式进入“2%时代”。低预定利率时期,传统的增额终身寿险、两全保险、养老年金等固定收益类产品难以吸引消费者,

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