退役女兵在硕士毕业典礼上换军装

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明：所有会议实录均为现场速记整理，未经演讲者审阅，新浪网登载此文出于传递更多信息之目的，并不意味着赞同其观点或证实其描述。责任编辑：梁斌 SF055

，保费收入增速疲软。在此背景下，以上市险企为代表的机构持续加大多元产品供给，增加分红险等浮动收益型产品，业务结构转型取得突破性进展。从产品逻辑来看，分红险具有“低保底+高浮动”的特点，对险企而言，通过与被保险人共担投资风险的方式降低刚性兑付成本。在“资产荒”的背景下，降低负债端刚性成本及资产负债匹配压力，从而为险资资产配置提供一定的灵活性。在新准则下，因分红险采用浮动收费法计量，资产端的波动会被合

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