关于存款保险费费率的推算问题  

A Formula Deduction for Deposit Insurance Premium Rate

作　　者：张见生[1] 

机构地区：[1]福建金融管理干部学院,福州350007

出　　处：《科技和产业》2008年第8期89-92,共4页Science Technology and Industry

摘　　要：影响存款保险费费率的因素有许多。由于我国的存款保险制度尚在筹划之中,影响存款保险费费率的各种因素均不存在经验值,但是,该费率的性质表现为,它与"期望保费收入"以及"期望赔付成本率"成正比,与"平均每份保单的期望保险金额"成反比,即R=Ep/Tn·(M-G)/n(1-Ep)。通过确定存款保险基金的预期规模,保险基金达到该规模所须年数的预设,存款保险人投入作为保险基金的资本金总额的确定,以及对保单集合期望赔付成本、期望赔付成本率、期望保费收入等的预定就可以测算存款保险费费率的数值。There are many factors which influence the premium rate of deposit insurance. The deposit insurance system in China is still in the womb of time and all empirical data are not available for the decision making of the premium rate. The feature of the rate shows that it is directly proportional to the expected premium income and to the rate of the cost of compensation ＆ other expenses, but inversely proportional to the expected sum per policy insured. Through deciding the pool＇s scale, the duration of the years after which the pool would reach the scale expected, the fund the insurer has collected and will use as insurance pool,the expected rate for the costs of compensation ＆ other expenses and the expected premium income, we can use the formulaR=Ep/Tn·M-G/n（1-Ep）to calculate a value range for deciding the premium rate of deposit insurance.

关 键 词：存款保险 保险费率 测算 

分 类 号：F840.32[经济管理—保险]