But the insurance premium that is sure as a result of person contains deposit element, policy-holder pays insurance premium for a long time the cost of money that rise is gathered on the foundation ought to vest in is other the beneficiary beneficiary that enjoys the right. 但是由于人身保险的保险费带有储蓄因素,投保人长期支付保险费基础上积累起来的现金价值应当归属于其他享有权利的受益人。
Based on other countries'experience, this article points out that membership, the kind of accepted deposit, the quantity of accepted deposit and premium are key factors relate to the moral hazard. 本文以此为出发点,参照各国建立存款保险制度的经验,认为机构成员资格、承保存款种类、承保额、保险费这四个方面是同道德风险相联系的关键因素。
By solving partial differential equation, this paper found that regulatory forbearance can reduce the deposit insurance premium. 结果表明,适度的监管宽容可以降低存款保险的费率水平。
On The Deposit Insurance Pricing Models: A Comparative Analysis of Regimes of Single Premium Rate and Differential Premium Rate 存款保险费定价模式选择:单一费率制和差别费率制的比较分析
This article puts forward some legislative suggestions in the aspects of deposit insurance system, establishment and function of the deposit safety unit, insurance coverage and deposit insurance premium rate, etc. 该文从存款保险体制、存款保险机构的设置、存款保险机构的职能、存款保险的参保方式和保险范围、存款保险费率、理赔标准等多方面为我国建立存款保险制度提出了立法建议。
Deposit Insurance System and the Model of It's Premium 存款保险及其定价模型
Based on the analysis of the two methods, The author applies the methodology of expected loss pricing of deposit insurance to China's bank credit ratings and designs reasonable deposit insurance premium range and structure. 在介绍这两种方法的基础上,应用我国适用的预期损失定价的评级分析方法设计了我国的存款保险定价体系,最终得出了较为合理的存款保险费率结构与区间。
This paper first studies deposit insurance involving moral hazard, and then applies the Put-Option model of Merton ( 1977) and Ronn& Verma ( 1986) to calculate the deposit insurance premium of listed commercial banks in China. 本文首先分析存款保险制度所隐含的道德风险问题,然后运用期权定价模型对我国银行上市公司的存款保险费率进行了实证分析。
The deposit insurance system consists of many elements such as objective of DIS, administrative organization, premium and compensation limit etc. 构成存款保险制度的要素包括制度目标、行政管理组织方式及法律结构、存款保险对象与范围、投保机构及投保要求、存款保险最高理赔限额及保险费率管理等项目。
Lots of items such as objectives of DIS, sources of deposit insurance fund and expenditure, coverage, assessment of premium, qualification of insured institutions and how to be insured etc. 而存款保险制度目标、保险基金来源与运用、存款保险范围、投保资格与参保方式等制度要素,构成了存款保险制度理论的具体内容。
Lack of a series of bank credit ranking system. Therefore, we shall establish a deposit insurance system from the perspectives of legislative format and purpose, deposit insurance institutions, insurance financial institutions, deposit insurance funds and deposit premium rate. 我们应从立法体例和目标、存款保险机构、投保金融机构、存款保险资金以及存款保险费率等五个方面来构建我国的存款保险制度。
Accumulating deposit is a way of individual premium collection in new rural CMS created in Ganyu County, Jiangsu province, which means farmers pay advance premiums voluntarily for the next year when they get their medical compensations. 滚存式筹资是江苏省赣榆县创造的一种新的新型农村合作医疗农民个人筹资方式,它是在农民自愿的前提下,从补偿金中直接扣除次年参合资金。
The results show that: 1. usage behavior can be manipulated by usage frequency and usage variety; relationship stability can be used as continuous use intention and switch intention, and relationship growth can be took as intention for increasing deposit and price premium. 研究结果表明:1.使用行为可以区分为使用频率和使用多样性;关系的稳定可以分为持续使用意愿和转换意愿;关系的发展可以分为存款金额的增加和溢价支付意愿。
The deposit and loan interest rate control, exchange rate floating range limit, the capital flow control, transaction cost, risk premium and other factors all have an effect on the normal operation of the conduction mechanism between exchange rate and interest rate. 我国目前对存贷款利率的管制、汇率浮动幅度限制、对资本自由流动的管制、现实中存在的交易成本和风险补偿等因素都影响了利率汇率传导机制的正常运行。
Specialized deposit insurance agency ( usually the Deposit Insurance Corporation) raises insurance fund by collecting premiums, and reasonable deposit insurance premium is the important guarantee for deposit insurance system to be operated steadily. 专门的保险机构(通常为存款保险公司)通过收集保费作为保险基金的主要积累,而合理的保险费率水平是存款保险制度稳健执行的重要前提。
The conclusion indicates that the more the regulatory forbearance or the longer the capital extension, the higher the deposit insurance premium. 结论表明,监管越宽容&资本展期越长,存款保险费率应该越高。
This article analyzes the establishment of the explicit deposit insurance system in China, and obtained the premium rates of some of the commercial banks in China by empirical research. 文章通过上述几章对显性存款保险制度在我国的建立进行了探讨,实证得到了我国部分商业银行的存款保险费率。