1, insurance rate _ _
Insurance rate = loss rate of insurance amount+stability factor. __
Loss rate of insurance amount = total insurance indemnity/total insurance amount × 100%. __
2. Additional rate _ _
Additional rate = (insurance business expenses+appropriate profit)/total pure insurance income.
Take the personal consumption loan of China Construction Bank as an example:
There is no handling fee for bank loans, only the loan interest rate.
1. Short-term loan: within one year (including one year), with annual interest rate of 4.35%.
2. Medium and long-term loans: one to five years (including five years), with an annual interest rate of 4.75%.
Second, the stock fund rate.
The average annual return of stock funds is about 18%~20%, and that of bond funds is 7%~ 10%. The handling fee is generally 0.0% for subscription/kloc-0, 0.5% for subscription/kloc-0 and 0.5% for redemption.
Third, POS credit card rate
The charge for credit card is different according to different industries. General industry 1%, catering/entertainment/jewelry/ticketing 2%, large warehouse supermarket/airline ticketing 0.5%, automobile/real estate 50 yuan/pen, and some wholesale 20 yuan/pen.
Four, JD.COM white rate.
As far as interest rates are concerned, the rules of JD.COM IOUs are:
1. If the payment is not by installment, the payment can be postponed after 30 days, and no rate will be generated.
2. The installment rate standard is 0.5%/ month. That is to say, the third phase selected by the user is 1.5%, and 12 phase is 6%;
3. If JD.COM reminds users of overdue payment for many times, a penalty of 0.03% will be charged every day.
Verb (abbreviation of verb) social security rate
Based on the company's purchase of full social insurance, the calculation is as follows:
Medical insurance: 2% for individuals and 8% for units;
Endowment insurance: 8% for individuals and 20% for units;
Unemployment insurance: individual 1%, unit 2%;
Industrial injury insurance: no individual, unit1%;
Maternity insurance: no individual, unit1%;
Provident fund: 3.5% for individuals and 3.5% for units.
Work injury and maternity insurance expenses shall be borne by the unit.
VI. Interest Rate Calculation of Bid Interest Rate
1, bond ratio =50/200=0.25, stock ratio = 150/200=0.75.
2. Bond cost = 10%*( 1-30%)=7% Stock cost =110+5% =15% 3. Weighted cost of capital = 0.25 * 7%+0.77.