Explanatory Notes on Main Statistical Indicators

Credit Funds refer to the funds issued as loans by state banks．The sources of credit funds of the Peoples Bank of China included deposits，liabilities to international financial institutions，currency in circulation，self-owned funds and current retained profits, etc．The credit funds can be used in forms of loans，gold，foreign exchange，government debt and assets in the international financial institutions．

Deposit is a form of credit by which enterprises，institutions，organizations or households can put money into banks and other credit institutions for safekeeping and interest earning under the principle of free withdrawal．According to different depositors，deposits are divided into enterprise deposits，treasury deposits，deposits of government agencies and organizations，capital construction deposits，urban savings deposits，rural deposits and other deposits．Deposits are major sources of the credit funds of banks．

Loan is a form of credit by which banks and other credit institutions provide funds at certain interest rate to enterprises and individuals in the light of the principle of unconditional repayment．Loans from Chinese banks include circulating capital loans，fixed assets loans, loans to urban and rural individuals engaged in industrial and commercial business and agricultural loans．

Premium is the fee paid by the insurant based on a proportion of the benefit he or she may get from the insurance plus the insurance value．It includes the income from the deposit of property insurance and personal insurance．

Insurance Companies Funded with Chinese Capital refer to insurance companies established with capitals from Chinese citizens, corporate institutions or other organizations (including companies with shares from foreign capital)

Amount Insured refers to the maximum that the insurant will get for the claim of the case insured.

Settled Claim is the compensation paid by the insurer to the insurant in accordance with the insurance contract.

Payment includes payment for death, injury or medical treatment and mature payment. Payment for death, injury or medical treatment refers to the money paid to the insurant (or the beneficiary) in accordance with the life or health insurance contract when the insurant encounters accidents within the insured period covered in the contract. Mature payment refers to the mature payment to the insurant in accordance with the life insurance contract at the end of the insured period for the loss which has been checked and found to be in the range of liability of the insurance after an accident has happened to the insured property or to a person who has insured his life．It is further divided into settled and unsettled claim．