{"id":948,"date":"2026-07-22T12:51:22","date_gmt":"2026-07-22T04:51:22","guid":{"rendered":"https:\/\/shiyao.ltd\/yanglao\/insurance-research-rate-194-2026\/"},"modified":"2026-09-30T17:11:58","modified_gmt":"2026-09-30T09:11:58","slug":"insurance-research-rate-194-2026","status":"publish","type":"post","link":"https:\/\/shiyao.ltd\/yanglao\/insurance-research-rate-194-2026\/","title":{"rendered":"\u9884\u5b9a\u5229\u7387\u7814\u7a76\u503c\u8fde\u6da8\u4e24\u5b63\u81f31.94%\uff0c\u903c\u5355\u8bdd\u672f\u5931\u6548"},"content":{"rendered":"<p>\u4e0d\u662f\u3002\u7814\u7a76\u503c1.94%\u4ecd\u8fdc\u4f4e\u4e8e\u5f53\u524d2.0%\u4e0a\u9650\uff0c\u8fde\u7eed\u4e24\u5b63\u56de\u5347\u4ec5\u7f29\u5c0f\u5dee\u8ddd\uff0c\u672a\u89e6\u53d1\u4e0b\u8c03\u6761\u4ef6\u3002\u5f53\u524d\u4f20\u7edf\u9669\u9884\u5b9a\u5229\u7387\u4e0a\u96502.0%\u7ef4\u6301\u4e0d\u53d8\uff0c\u8ddd\u89e6\u53d1\u4e0b\u8c03\u4ecd\u6709\u5b89\u5168\u8fb9\u9645\u3002<\/p>\n<p>\u9884\u5b9a\u5229\u7387\u7814\u7a76\u503c\u56de\u5347\uff0c\u5bf9\u5df2\u4e70\u7684\u4fdd\u5355\u6709\u5f71\u54cd\u5417\uff1f\u6ca1\u6709\u3002\u7814\u7a76\u503c\u662f\u884c\u4e1a\u7528\u6765\u5224\u65ad\u662f\u5426\u8c03\u6574\u65b0\u4fdd\u5355\u9884\u5b9a\u5229\u7387\u4e0a\u9650\u7684\u53c2\u8003\u6307\u6807\uff0c\u4e0d\u5f71\u54cd\u5df2\u751f\u6548\u5408\u540c\u3002\u4f60\u624b\u91cc\u4fdd\u5355\u7684\u6536\u76ca\u5199\u8fdb\u5408\u540c\uff0c\u767d\u7eb8\u9ed1\u5b57\uff0c\u4e0d\u4f1a\u56e0\u4e3a\u7814\u7a76\u503c\u6ce2\u52a8\u800c\u6539\u53d8\u3002<\/p>\n<p>1.94%\u8fd9\u4e2a\u6570\u5b57\u600e\u4e48\u7b97\u51fa\u6765\u7684\uff1f\u6839\u636e\u4e2d\u56fd\u4fdd\u9669\u884c\u4e1a\u534f\u4f1a2026\u5e74\u4e8c\u5b63\u5ea6\u4f8b\u4f1a\uff0c\u4e13\u5bb6\u7efc\u5408\u5b8f\u89c2\u7ecf\u6d4e\u3001\u56fd\u503a\u5e02\u573a\u8d70\u52bf\u7b49\u56e0\u7d20\u540e\u63d0\u51fa\u3002\u8fd9\u662f\u8be5\u6307\u6807\u81ea2025\u5e741\u6708\u9996\u6b21\u53d1\u5e03\u4ee5\u6765\u7684\u7b2c\u4e03\u6b21\u516c\u5e03\u2014\u2014\u5b8c\u6574\u5386\u53f2\u5e8f\u5217\u4e3a\uff1a2.34%\u21922.13%\u21921.99%\u21921.90%\u21921.89%\u21921.93%\u21921.94%\u30022026\u5e741\u6708\u89e6\u5e951.89%\u540e\uff0c\u5df2\u8fde\u7eed\u4e24\u6b21\u5c0f\u5e45\u8d70\u9ad8\u3002<\/p>\n<blockquote><p>\n<strong>\u6ce8\uff1a<\/strong>2025\u5e741\u6708\uff0c\u4eba\u8eab\u9669\u9884\u5b9a\u5229\u7387\u52a8\u6001\u8c03\u6574\u673a\u5236\u843d\u5730\u3002\u56fd\u5bb6\u91d1\u878d\u76d1\u7763\u7ba1\u7406\u603b\u5c40\u8981\u6c42\u6bcf\u5b63\u5ea6\u53d1\u5e03\u9884\u5b9a\u5229\u7387\u7814\u7a76\u503c\uff0c\u5404\u516c\u53f8\u636e\u6b64\u52a8\u6001\u8c03\u6574\u666e\u901a\u578b\u3001\u5206\u7ea2\u578b\u53ca\u4e07\u80fd\u578b\u4ea7\u54c1\u5229\u7387\u4e0a\u9650\u3002\n<\/p><\/blockquote>\n<p>\u7814\u7a76\u503c\u8fde\u7eed\u56de\u5347\uff0c\u662f\u4e0d\u662f\u5229\u7387\u8981\u53cd\u8f6c\u4e86\uff1f\u522b\u6025\u7740\u4e0b\u7ed3\u8bba\u3002\u7814\u7a76\u503c1.94%\u4ecd\u6bd42.0%\u4e0a\u9650\u4f4e6\u4e2a\u57fa\u70b9\u3002\u6839\u636e\u89c4\u5219\uff0c\u7814\u7a76\u503c\u9700\u8fde\u7eed2\u4e2a\u5b63\u5ea6\u9ad8\u4e8e\u4e0a\u965025\u4e2a\u57fa\u70b9\u4ee5\u4e0a\uff0c\u624d\u89e6\u53d1\u4e0b\u8c03\u7a97\u53e3\u3002\u5f53\u524d\u5dee\u8ddd\u8fdc\u4e0d\u8fbe\u6807\uff0c\u884c\u4e1a\u77ed\u671f\u5185\u4e0d\u5b58\u5728\u56e0\u7814\u7a76\u503c\u56de\u5347\u800c\u5fc5\u987b\u8c03\u964d\u4e0a\u9650\u7684\u538b\u529b\u30022025\u5e747\u6708\u4f20\u7edf\u9669\u4e0a\u9650\u5df2\u4ece2.5%\u964d\u81f32.0%\u5e76\u7ef4\u6301\u81f3\u4eca\uff0c\u8fd9\u624d\u662f\u8fd1\u4e24\u5e74\u6700\u5927\u7684\u5b9a\u4ef7\u53d8\u52a8\u3002<\/p>\n<p>\u73b0\u5728\u4e70\u517b\u8001\u91d1\uff0c\u662f\u7b49\u8fd8\u662f\u8d76\u7d27\u4e0a\u8f66\uff1f\u53d6\u51b3\u4e8e\u4f60\uff0c\u4f46\u4e0d\u7528\u88ab\u201c\u7814\u7a76\u503c\u56de\u5347\u3001\u9a6c\u4e0a\u6da8\u4ef7\u201d\u7684\u8bdd\u672f\u50ac\u7740\u8d70\u3002\u7814\u7a76\u503c\u56de\u5347\u4ec5\u8bf4\u660e\u5229\u7387\u4e0b\u884c\u7684\u659c\u7387\u653e\u7f13\uff0c\u5e76\u975e\u8d8b\u52bf\u53cd\u8f6c\u3002\u5f53\u524d2.0%\u7684\u4e0a\u9650\u5728\u5386\u53f2\u4e0a\u4ecd\u5c5e\u4f4e\u4f4d\uff0c\u5982\u679c\u4f60\u5df2\u505a\u597d\u517b\u8001\u89c4\u5212\u3001\u9009\u5b9a\u4e86\u4ea7\u54c1\uff0c\u4e0d\u5fc5\u7b49\u4e00\u4e2a\u4e0d\u786e\u5b9a\u7684\u201c\u66f4\u4f4e\u70b9\u201d\uff1b\u5982\u679c\u4f60\u8fd8\u5728\u72b9\u8c6b\uff0c\u4e5f\u65e0\u9700\u56e0\u4e3a\u7814\u7a76\u503c\u53d8\u5316\u800c\u4ed3\u4fc3\u51b3\u7b56\u3002\u771f\u95ee\u9898\u5728\u4e8e\uff1a\u4f60\u9700\u8981\u7684\u517b\u8001\u73b0\u91d1\u6d41\u4ec0\u4e48\u65f6\u5019\u542f\u52a8\u3001\u6301\u7eed\u591a\u4e45\u3001\u8986\u76d6\u54ea\u4e9b\u98ce\u9669\u2014\u2014\u8fd9\u4e9b\u6bd4\u76ef\u4f4f\u51e0\u4e2a\u57fa\u70b9\u7684\u6ce2\u52a8\u91cd\u8981\u5f97\u591a\u3002<\/p>\n<p><strong>\u503c\u5f97\u5173\u6ce8\u7684\u662f<\/strong>\uff0c\u7814\u7a76\u503c\u8fde\u7eed\u4e24\u5b63\u56de\u5347\uff0c\u786e\u5b9e\u8ba92026\u5e74\u5404\u7c7b\u4ea7\u54c1\u4e0a\u9650\u7ef4\u6301\u4e0d\u53d8\u7684\u6982\u7387\u53d8\u5927\u3002\u8fd9\u5bf9\u4fdd\u9669\u516c\u53f8\u7a33\u5b9a\u4e1a\u52a1\u9884\u671f\u662f\u597d\u4e8b\uff0c\u4f46\u5bf9\u6d88\u8d39\u8005\u6765\u8bf4\uff0c\u91cd\u70b9\u4e0d\u662f\u731c\u4e0b\u4e00\u4e2a\u6570\u5b57\uff0c\u800c\u662f\u5339\u914d\u81ea\u5df1\u7684\u9000\u4f11\u65f6\u95f4\u8868\u548c\u98ce\u9669\u627f\u53d7\u529b\u3002<\/p>\n<p>\u7ed9\u613f\u610f\u6df1\u8bfb\u7684\u4eba\uff1a\u52a8\u6001\u8c03\u6574\u673a\u5236\u7684\u6838\u5fc3\u903b\u8f91\u662f\u201c\u7814\u7a76\u503c+\u7f13\u51b2\u5e26\u201d\u2014\u2014\u7814\u7a76\u503c\u8fde\u7eed2\u4e2a\u5b63\u5ea6\u9ad8\u4e8e\u4e0a\u965025bp\u4ee5\u4e0a\u624d\u9700\u4e0b\u8c03\uff0c\u5f53\u524d\u5dee6bp\uff1b\u53cd\u8fc7\u6765\uff0c\u7814\u7a76\u503c\u5982\u679c\u6301\u7eed\u4f4e\u4e8e\u4e0a\u9650\uff0c\u4e5f\u65e0\u9700\u4e0a\u8c03\u3002\u8fd9\u5957\u673a\u5236\u7684\u8bbe\u8ba1\u521d\u8877\u662f\u907f\u514d\u5229\u7387\u9891\u7e41\u8c03\u6574\u6253\u4e71\u5e02\u573a\u9884\u671f\uff0c\u800c\u4e0d\u662f\u6bcf\u5929\u8ffd\u7740\u6570\u5b57\u8dd1\u3002<\/p>\n<p><!-- shiyao-sources-START --><\/p>\n<div class=\"shiyao-sources\" style=\"margin:40px 0 20px;padding:20px 24px;background:#f7f4ed;border-left:3px solid #8B7355;border-radius:4px;font-size:14px;line-height:1.8\">\n<h3 style=\"margin:0 0 12px;font-size:16px;font-weight:600;color:#3A352F;letter-spacing:.05em\">\u4fe1\u606f\u6765\u6e90<\/h3>\n<p style=\"margin:0 0 10px;color:#666;font-size:13px\">\u672c\u6587\u6574\u7406\u81ea\u4ee5\u4e0b\u516c\u5f00\u6750\u6599\uff1a<\/p>\n<ul style=\"margin:0 0 14px;padding-left:20px;color:#3A352F\">\n<li><a href=\"https:\/\/m.sohu.com\/a\/1052898479_313745?scm=10001.325_13-325_13.0.0-0-0-0-0.5_1334\" target=\"_blank\" rel=\"noopener nofollow\">\u4e2d\u56fd\u4fdd\u9669\u884c\u4e1a\u534f\u4f1a\uff1a\u5f53\u524d\u666e\u901a\u578b\u4eba\u8eab\u4fdd\u9669\u4ea7\u54c1\u9884\u5b9a\u5229\u7387\u7814\u7a76\u503c\u4e3a1.94%_\u641c\u72d0\u7f51<\/a><\/li>\n<li><a href=\"https:\/\/www.stcn.com\/article\/detail\/4033171.html\" target=\"_blank\" rel=\"noopener nofollow\">\u4fdd\u9669\u4e1a\u534f\u4f1a\uff1a\u5f53\u524d\u666e\u901a\u578b\u4eba\u8eab\u4fdd\u9669\u4ea7\u54c1\u9884\u5b9a\u5229\u7387\u7814\u7a76\u503c\u4e3a1.94%<\/a><\/li>\n<li><a href=\"https:\/\/finance.sina.com.cn\/roll\/2026-04-25\/doc-inhvsuve4006433.shtml\" target=\"_blank\" rel=\"noopener nofollow\">\u4e2d\u56fd\u4fdd\u9669\u884c\u4e1a\u534f\u4f1a\uff1a\u5f53\u524d\u666e\u901a\u578b\u4eba\u8eab\u4fdd\u9669\u4ea7\u54c1\u9884\u5b9a\u5229\u7387\u7814\u7a76\u503c\u4e3a1.93%|\u5229\u7387_\u65b0\u6d6a\u8d22\u7ecf_\u65b0\u6d6a\u7f51<\/a><\/li>\n<li><a href=\"https:\/\/finance.sina.com.cn\/roll\/2026-04-25\/doc-inhvsuve4006433.shtml?froms=ggmp\" target=\"_blank\" rel=\"noopener nofollow\">\u4e2d\u56fd\u4fdd\u9669\u884c\u4e1a\u534f\u4f1a\uff1a\u5f53\u524d\u666e\u901a\u578b\u4eba\u8eab\u4fdd\u9669\u4ea7\u54c1\u9884\u5b9a\u5229\u7387\u7814\u7a76\u503c\u4e3a1.93%|\u5229\u7387_\u65b0\u6d6a\u8d22\u7ecf_\u65b0\u6d6a\u7f51<\/a><\/li>\n<li><a href=\"https:\/\/www.iachina.cn\/art\/2026\/1\/20\/art_22_108880.html\" target=\"_blank\" rel=\"noopener nofollow\">\u4e2d\u56fd\u4fdd\u9669\u884c\u4e1a\u534f\u4f1a \u534f\u4f1a\u8981\u95fb \u4e2d\u56fd\u4fdd\u9669\u884c\u4e1a\u534f\u4f1a\u7ec4\u7ec7\u53ec\u5f00\u4eba\u8eab\u4fdd\u9669\u4e1a\u5229\u7387\u7814\u7a76\u4e13\u5bb6\u54a8\u8be2\u59d4\u5458\u4f1a\u4f8b\u4f1a<\/a><\/li>\n<li><a href=\"https:\/\/www.sina.cn\/news\/detail\/5291931416662617.html\" target=\"_blank\" rel=\"noopener nofollow\">\u4fdd\u9669\u9884\u5b9a\u5229\u7387\u56de\u5347_\u65b0\u6d6a\u65b0\u95fb<\/a><\/li>\n<li><a href=\"http:\/\/finance.people.com.cn\/n1\/2026\/0721\/c1004-40765245.html\" target=\"_blank\" rel=\"noopener nofollow\">\u666e\u901a\u578b\u4eba\u8eab\u4fdd\u9669\u4ea7\u54c1\u9884\u5b9a\u5229\u7387\u7814\u7a76\u503c\u8c03\u6574\u81f31.94%&#8211;\u7ecf\u6d4e\u00b7\u79d1\u6280&#8211;\u4eba\u6c11\u7f51<\/a><\/li>\n<li><a href=\"https:\/\/www.news.cn\/fortune\/20260721\/d5e5eb88e56c4274b484f1916ea90445\/c.html#:~:text=%E8%AE%B0%E8%80%857%E6%9C%8821%E6%97%A5,%E3%80%811.89%25%E3%80%811.93%25%E3%80%82&#038;text=%E8%BF%BD%E5%85%89%E4%B8%A8%E7%BE%8E%E5%8A%A0%E5%A2%A8%E4%B8%96%E7%95%8C%E6%9D%AF%E4%B9%A6%E5%86%99%E4%BA%86%E5%93%AA%E4%BA%9B%E6%96%B0%E7%BA%AA%E5%BD%95%EF%BC%9F\" target=\"_blank\" rel=\"noopener nofollow\">\u666e\u901a\u578b\u4eba\u8eab\u4fdd\u9669\u4ea7\u54c1\u9884\u5b9a\u5229\u7387\u7814\u7a76\u503c\u8c03\u6574\u81f31.94%-\u65b0\u534e\u7f51<\/a><\/li>\n<\/ul>\n<p style=\"margin:0;color:#777;font-size:12.5px;font-style:italic\">\u672c\u6587\u7531 Dion \u6574\u7406\u4e0e\u64b0\u5199\uff0c\u7ed3\u5408 AI \u5de5\u5177\u8f85\u52a9\u3002\u5982\u6709\u4e8b\u5b9e\u9519\u8bef\uff0c\u8bf7\u901a\u8fc7\u9875\u811a\u8054\u7cfb\u65b9\u5f0f\u53cd\u9988\u3002<\/p>\n<\/div>\n<p><!-- shiyao-sources-END --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u9884\u5b9a\u5229\u7387\u7814\u7a76\u503c\u5347\u81f31.94%\uff0c\u4f46\u5f53\u524d\u4f20\u7edf\u9669\u4e0a\u96502.0%\u4e0d\u53d8\uff0c\u8ddd\u89e6\u53d1\u4e0b\u8c03\u6761\u4ef6\u4ecd\u6709\u5b89\u5168\u8fb9\u9645\u3002\u7814\u7a76\u503c\u8fde\u7eed\u4e24\u5b63\u56de\u5347\u4ec5\u7f29\u5c0f\u5dee\u8ddd\uff0c\u672a\u6539\u53d8\u73b0\u6709\u5b9a\u4ef7\u6846\u67b6\u3002\u5df2\u4e70\u4fdd\u5355\u4e0d\u53d7\u5f71\u54cd\uff0c\u60f3\u4e70\u517b\u8001\u91d1\u7684\u4e0d\u7528\u88ab\u201c\u9a6c\u4e0a\u6da8\u4ef7\u201d\u8bdd\u672f\u50ac\u7740\u4e0a\u8f66\u3002<\/p>\n","protected":false},"author":1,"featured_media":949,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-948","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealth"],"_links":{"self":[{"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/posts\/948","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/comments?post=948"}],"version-history":[{"count":3,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/posts\/948\/revisions"}],"predecessor-version":[{"id":1174,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/posts\/948\/revisions\/1174"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/media\/949"}],"wp:attachment":[{"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/media?parent=948"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/categories?post=948"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/tags?post=948"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}