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 unit deposits, personal deposits,
fiscal deposits, temporary 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, financial lease, bill financing, various money
advanced, foreign 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.
Social
Financing refers to the total funds raised by real economy from the financial system
in a certain period of time. It's an increment. It includes: RMB Loans, Foreign
Currency Loans(RMB), credit loans, entrusted loans, undiscounted
banker’s acceptances, corporate bonds, domestic equity financing of
non-financial enterprises, investment real estate, premium of insurance, etc.