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 China with the approval of insurance regulatory agencies.

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.