即将生效的《精算规定》对新型产品的许多方面进行了约束 ,其中的诸多条文都起到了维护消费者利益的作用。《分红保险精算规定》中明确规定了不同保险期限保单的最低现金价值的计算基础和计算方法 ,要求红利的分配应当满足公平性原则和可持续性原则 ,对红利分配方式和红利的计 The forthcoming “Actuarial Provisions” regulate many aspects of new products, many of which serve to safeguard the interests of consumers. Dividend Insurance Actuarial Provisions stipulates clearly the calculation basis and calculation method of the minimum cash value for different insurance policies. It requires that dividend distribution should meet the principle of fairness and sustainability, and the dividend distribution method and bonus