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 and 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.
Deposits
are 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, urban and rural savings deposits, rural deposits,
entrust and other deposits. Deposits are major sources of credit funds of
banks.
Loans
are 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 industry loans, agriculture loans, commerce loans, construction loans,
loans to private and individuals, township enterprises loans, medium & long
term loans, entrust 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.
Claim
is the compensation paid by the insurer to 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
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.
Insurance
Density
refers to per capita premiums which is based on permanent resident
population.
Insurance
Depth
refers to the proportion of premiums to gross domestic product.