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击。在当前的财富管理市场中,投资者越来越表现出强烈的“求稳”心态。相比之下,尽管保险产品的预定利率也在下行通道中,但其特有的保本保息、复利增值以及身故保障等附加属性,在长期的资产锁定上提供了银行理财无法比拟的“刚性兑付”心理暗示。 特别是在当前的环境下,增额终身寿险、年金险等产品在营销端被包装成了“完美替代品”,直接精准打击了银行理财的受众群体。从产业替代的逻辑来看,当理财产品的波动属性让位于保
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ssed and resolved by members of the family themselves. Our compatriots on both sides have sufficient wisdom and ability to properly handle their own issues, Zhu Fenglian, a spokesperson for the State
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