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分红险学习笔记14—分红险的红利类型

  • 2026-02-10 22:10:32
分红险学习笔记14—分红险的红利类型
根据中国原保监会2015年发布的《分红保险精算规定》，分红保险产品的盈余分配方式有现金分红、保额分红。
现金分红提供一种红利，也就是现金红利，每年派发，这部分红利可以直接领取，也可以抵交保费、累积生息、或者购买交清保额等。
现金红利跟我们手里的钱是一样的，给到之后，就可以当钱来花。
保额分红提供两种红利：增额红利、终了红利。
增额红利是每年以增加保额的方式分配红利，增加的保额作为红利一旦公布，则不得取消。
终了红利是在合同终止时以现金方式给付。

本文为个人分红险学习笔记，仅用于知识梳理与交流，不构成任何保险购买建议、投资引导或法律意见。分红险的收益具有不确定性，具体产品条款及责任请以保险公司官方说明为准。

本文来自网友投稿或网络内容，如有侵犯您的权益请联系我们删除，联系邮箱：wyl860211@qq.com 。

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  1. CONNECT:[ UseTime:0.000427s ] mysql:host=127.0.0.1;port=3306;dbname=no_67808;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000728s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000274s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000368s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000632s ]
  6. SELECT * FROM `set` [ RunTime:0.000216s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000692s ]
  8. SELECT * FROM `article` WHERE `id` = 461792 LIMIT 1 [ RunTime:0.000417s ]
  9. UPDATE `article` SET `lasttime` = 1770907084 WHERE `id` = 461792 [ RunTime:0.008736s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 65 LIMIT 1 [ RunTime:0.000269s ]
  11. SELECT * FROM `article` WHERE `id` < 461792 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000660s ]
  12. SELECT * FROM `article` WHERE `id` > 461792 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000565s ]
  13. SELECT * FROM `article` WHERE `id` < 461792 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.003343s ]
  14. SELECT * FROM `article` WHERE `id` < 461792 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.002046s ]
  15. SELECT * FROM `article` WHERE `id` < 461792 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.004563s ]
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