1. Insurance Rate __
Insurance Rate = Insurance Amount Loss Rate + Stabilization Factor. __
Loss ratio of the insured amount = total insurance claims/total insured amount x 100%. __
2. Surcharge rate __
Surcharge rate = (all costs of operating the insurance business + appropriate profit)/total net insurance income.
I. Take the personal consumption loan of the Construction Bank as an example:
There is no handling fee for bank loans, only the interest rate of the loan.
1, short-term loans: within one year (including one year), the annual interest rate is 4.35%.
2, medium and long-term loans: one year to five years (including five years), the annual interest rate of 4.75%.
Two, stock fund rates
The average annual return of stock funds is about 18 percent to 20 percent, and the average annual return of bond funds is 7 percent to 10 percent. Handling fees are generally 1.0% for subscription, 1.5% for subscription and 0.5% for redemption.
Three, POS card rates
Card processing fees are different according to the industry point is also different, the general industry are 1%, catering/entertainment/jewelry/tickets are 2%, large warehouses supermarkets/airline ticket industry 0.5%, automotive/real estate 50 yuan/pen, some wholesale category 20 yuan/pen.
Four, Jingdong white bar rates
Rates, Jingdong white bar rules are:
1, if you do not installment, you can extend the payment after 30 days, will not incur rates.
2. The standard rate for installment is 0.5%/month. That is, the user chooses to install 3 installments of the rate is 1.5%, 12 installments will be 6%;
3, if the Jingdong repeatedly remind the user is due to repayment, the default fee will be 0.03% per day.
Fifth, social security rates
To the unit to buy full social security shall prevail, the calculation is shown as follows:
Medical insurance: individuals bear 2%, the unit bears 8%;
Pension insurance: individuals for 8%, the unit bears 20%;
Unemployment insurance: individuals 1%, the unit bears 2%;
Worker's compensation insurance: individuals no, the unit 1%;
Worker's compensation insurance: individuals no, the unit 1%;
Workers compensation insurance: individuals no, the unit 1%;
Workers compensation insurance: individuals no. 1% for individuals;
Maternity insurance: none for individuals, 1% for units;
Provident fund: 3.5% for individuals, 3.5% for units.
And the cost of work injury and maternity insurance are borne by the unit
VI. Calculation of rate bidding letting rate
1. Weighting of bonds = 50/200 = 0.25 Weighting of equities = 150/200 = 0.75
2. Cost of bonds = 10%*(1-30%) = 7% Cost of equities = 1/10+5% = 15% 3, Weighted cost of capital = 0.25*7% + 0.75*15% = 13%