Social insurance must calculate a certain proportion of the insured's burden according to the probability of various risk accidents and the total amount of payment fees estimated in advance according to the payment standard, as the standard for determining the insurance rate. Different from commercial insurance, the calculation of social insurance rate needs to consider more social and economic factors besides risk factors in order to obtain a fair and reasonable rate.
Extended data
The advantages of credit cards are as follows:
1. You can spend money without overdraft, and you can enjoy an interest-free period of 20-56 days. You don't charge any fees for repayment on time (most banks will charge 0.5% interest on the day of withdrawal, and there is a 2% handling fee, but ICBC only charges interest).
2. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.
3. Special merchants who hold cards in banks can enjoy preferential treatment.
4. Accumulate personal credit, and add credit records to users' credit files to benefit users for life.
5. National access is barrier-free, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.
6. Credit card spending, some credit cards get existing points, various discounts and lottery activities throughout the year, so that users can always have surprises as long as they use their cards.
7. Mail the statement free of charge every month, so that users can grasp every consumption expenditure transparently.
8. Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenditure.
9. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.
10.400 telephone or 5-digit short number with prefix of 9 provides 24-hour service, and loss reporting takes effect immediately, with zero risk of card loss.
1 1. Use the third-party platform for business cooperation and provide preferential services for cardholders.
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