Briefly describe the similarities and differences between insurance protection fund and insurance deposit.

Answer: Similarities: Both of them have the same function and are set up to ensure the solvency of insurance companies.

Difference:

(1) They come from different sources. The insurance guarantee fund is drawn from the annual profit of the insurance company, and the insurance deposit is drawn from the registered capital of the insurance company when it is established.

(2) Their exit times are different. The withdrawal time of the insurance protection fund is long-term, and the insurance deposit is withdrawn when the insurance company is established.

(3) Different deposit and withdrawal methods. The insurance protection fund shall be withdrawn according to 65,438+0% of the insurance income of the current year, and the withdrawal shall be stopped when the withdrawal amount reaches 65,438+00% of the total assets of the insurance company. The deposit ratio of insurance deposit is 20% of the registered capital.

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