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财产保险费率的附加费率厘定基础是( )。

发布日期:2020-04-11

财产保险费率的附加费率厘定基础是( )。
A

利率

B

保险金额

C

保额损失概率

D

营业费用率

试题解析

保险费率

保险费率,是保险人按保险金额向投保人或被保险人收取保险费的比例,通常用“‰”或“%”表示。是计算保险费的依据。保险费率由纯费率和附加费率两部分构成。纯费率亦称“净费率”,是保险费率的主要部分,依此计算的保险费用以弥补财产损失和给付保险金。财产保险纯费率的计算依据是保险金额损失率,即一定时期内的赔款金额与保险金额之比;人身保险的纯费率是根据人的生存率、死亡率、资金收益率等因素计算的。

中文名
保险费率
指标公式
等于
指标功能
计算向
费率构成
纯费率、附加费率
指标释义
应缴纳保险费与
指标作用
保险供给和保险需求间的交易价格,是
表示方法
“‰”或“%”

附加费率

附加费率是一定时期内保险人业务经营费用支出和预定利润的总数和保险金额之间的比例。附加费率作为保险费率的组成部分,它是用作经营业务所有开支费用部分的费率。根据保险人在办理保险业务时所需支付的费用的实际数与保险金额之间的比例而制定。保险业务经营支付的费用包括工资开支、业务费用、企业管理费、防灾补助费等。附加费率与纯费率之和构成计收保险费的标准。

中文名
附加费率
所属行业
保险行业
含义
一定时期内保险人业务经营费用支出和预定利润的总数和保险金额之间的比例

财产

财产(Property、Propretie)是指拥有的金钱、物资、房屋、土地等物质财富:国家财产、私人财产,具有金钱价值、并受到法律保护的权利的总称。大体上,财产有三种,即动产、不动产和知识财产(即知识产权)。

中文名
财产
定义
拥有的
类型
有形财产
外文名
Property、Propretie
分类
动产

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