Explanatory Notes on Main Statistical
Indicators
Credit Funds refer to the monetary funds accumulated and
distributed in the means of credit by the financial institutions. The sources
of credit funds include various deposits, financial bonds, liabilities to
international financial institutions, currency in circulation, other items. The uses of credit funds include loans,
securities and investment, position for bullion and silver purchase, position
for foreign exchange purchase, advances to treasury, and assets with
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, fiscal deposits, deposits of government agencies and
organizations, savings deposits of rural and urban households, agricultural
savings 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 short-term loan, medium- term and long-term loans,
entrusted loans, and other 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 payment at maturity. 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. Payment
at maturity refers to the payment to the insurant in accordance with the life
insurance contract at the end of the insured period.