每經AI快(kuai)訊，國泰君安表(biao)示，開(kai)(kai)門(men)(men)(men)紅(hong)(hong)啟(qi)動(dong)在即，看(kan)好(hao)更長籌備期和(he)低基數(shu)下(xia)的(de)(de)NBV超預(yu)期。從客(ke)戶需(xu)(xu)求角度看(kan)，當前(qian)(qian)銀行(xing)存款利(li)率(lv)下(xia)行(xing)背景下(xia)保險(xian)3.0%定(ding)價利(li)率(lv)的(de)(de)儲蓄險(xian)仍(reng)(reng)然(ran)具(ju)備市場競爭(zheng)力，預(yu)計2024年(nian)開(kai)(kai)門(men)(men)(men)紅(hong)(hong)的(de)(de)客(ke)戶需(xu)(xu)求仍(reng)(reng)然(ran)可持續。從保險(xian)公(gong)(gong)司供(gong)給(gei)看(kan)，當前(qian)(qian)大部分公(gong)(gong)司已經基本完成2023年(nian)的(de)(de)業績目標，進(jin)入(ru)開(kai)(kai)門(men)(men)(men)紅(hong)(hong)的(de)(de)籌備期，包(bao)括代理人增員(yuan)、培(pei)訓、獲客(ke)等，較2023年(nian)啟(qi)動(dong)時間有所提(ti)前(qian)(qian)；此外2023年(nian)的(de)(de)開(kai)(kai)門(men)(men)(men)紅(hong)(hong)受(shou)2022年(nian)末疫情放開(kai)(kai)影(ying)響銷(xiao)售低基數(shu)，為2024年(nian)開(kai)(kai)門(men)(men)(men)紅(hong)(hong)奠定(ding)了(le)低基數(shu)下(xia)的(de)(de)增長空間。預(yu)計穩(wen)定(ding)的(de)(de)客(ke)戶需(xu)(xu)求匹(pi)配更加積極的(de)(de)供(gong)給(gei)動(dong)能(neng)將推(tui)動(dong)2024年(nian)開(kai)(kai)門(men)(men)(men)紅(hong)(hong)NBV超預(yu)期。