Explanatory Notes on Main Statistical Indicators
Credit Funds refer to the funds issued as loans by banking institutions.
The sources of credit funds of the banking institutions included deposits,
issue of financial bonds, account-payable and temporary gathering, liabilities
to international financial institutions, currency in circulation, various
reserves, owners’ rights and interests and other items. The credit funds can be
used in forms of loans, securities and investment, account receivable and advance
payment, entrusted investment, gold, foreign exchange, cash on hand, 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, savings deposits,
rural saving deposits, entrusted 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.
Insurance Companies refer to commercial insurance companies of
various forms registered by law and established in
Amount Insured
refers to the maximum that the insurant will get for the claim of the
case insured.
Premium is the fee paid by the insurant to
the insurer to obtain the obligation of compensation from the insurance within
the agreed terms.
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.