What is the aggregate code rate of China Post Bank?

China Post Bank charges 5% for aggregate code.

first, the rate refers to the rate of paying fees. For example, the insurance premium rate refers to the ratio of the amount that the insured pays to the insurer and the amount that the insurer undertakes to compensate. Also refers to the fee charged by the telephone in a billing unit.

second, pure insurance premium rate: insurance premium loss rate+stability factor: (insurance premium loss rate = total insurance claims/total insurance premium ×1‰) additional premium rate: (insurance business expenses+appropriate profits)/total pure insurance income

third, the insurer should implement the principle of equal rights and obligations when determining the premium rate, specifically, the basic principles for determining the insurance premium rate.

fourth, the principle of sufficiency means that the insurance premium collected is enough to pay the insurance premium, reasonable operating expenses, taxes and the expected profits of the company, and the core of the principle of sufficiency is to ensure that the insurer has sufficient solvency. The principle of fairness means that on the one hand, premium income must be symmetrical with expected payment; On the other hand, the premium borne by the insured should be consistent with the insurance rights he has obtained, and the amount of premium should be symmetrical with the type of insurance, insurance period, insurance amount, age and gender of the insured. The insured with the same risk nature should bear the same insurance rate, while the insured with different risk nature should bear different insurance rates.

fifth, the principle of rationality means that the insurance premium rate should be as reasonable as possible, and the insurer should not get excess profits because the insurance premium rate is too high. The principle of stability and flexibility means that the insurance premium rate should remain stable for a certain period of time to ensure the credibility of the insurance company; At the same time, it should be adjusted with the change of risk, insurance liability and market demand, which has certain flexibility.

Sixth, promote the principle of loss prevention, which means that the formulation of insurance rates is conducive to promoting the insured to strengthen disaster prevention and loss prevention, and the insured who has done a good job in disaster prevention will reduce their rates; Preferential rates shall be implemented for the insured with no damage or less loss; However, the insured who has done a poor job in disaster prevention and loss prevention will be subject to high rates or renewal of insurance and fee increase.