主要统计指标解释

信贷资金   指金融机构以信用方式积聚和分配的货币资金。金融机构信贷资金的来源有各项存款、金融债券、对国际金融机构负债、流通中现金、其他项目等；信贷资金的运用有各项贷款、有价证券及投资、金银占款、外汇占款、财政借款及在国际金融机构中的资产等。

存款   指企业、机关、团体或居民根据资金必须收回的原则，把货币资金存入银行或其他信贷机构保管并取得一定利息的一种信用活动形式。根据存款对象或性质的不同可划分为企业存款、财政存款、机关团体存款、城乡储蓄存款、农业存款、信托及委托类存款、其他存款等科目。它是银行信贷资金的主要来源。

贷款   指银行或其他信贷机构根据资金必须归还的原则，按一定利率，为企业、个人等提供资金的一种信用活动形式。我国银行贷款分为短期贷款、委托及信托类贷款、其他类贷款等。

保险公司   在中国境内的、经过保险监督管理部门批准设立，并依法登记注册的各类商业保险公司。

保险金额   指保险人承担赔偿或者给付保险金责任的最高限额。

保费   指投保人为取得保险人在约定范围内所承担赔偿责任而支付给保险人的费用。

赔款   指保险人根据保险合同的规定，向被保险人支付的赔偿保险责任损失的金额。

给付   包括死伤医疗给付和满期给付。死伤医疗给付是指保险人根据人寿保险及长期健康保险合同的规定，因被保险人在保险期内发生保险责任范围内的保险事故支付给被保险人(或受益人)的金额。满期给付是指被保险人生存期满，保险人按人寿保险合同规定支付给被保险人的满期保险金额。

机构单位   指有权拥有资产和承担负债，能够独立地从事经济活动并与其他实体进行交易的经济实体。

机构部门   将相同性质的机构单位归并在一起，就形成机构部门。资金流量核算将常住机构单位划分为以下四个机构部门：非金融企业部门、金融机构部门、政府部门、住户部门。与常住单位发生经济往来关系的非常住单位组成国外部门，在资金流量核算中也视同机构部门。

非金融企业与非金融企业部门   非金融企业指主要从事市场货物生产和提供非金融市场服务的常住企业，它主要包括从事上述活动的各类法人企业。所有非金融企业归并在一起，就形成非金融企业部门。

金融机构与金融机构部门   金融机构指主要从事金融媒介以及与金融媒介密切相关的辅助金融活动的常住单位，它主要包括中央银行、商业银行和政策性银行、非银行信贷机构和保险公司。所有金融机构归并在一起，就形成金融机构部门。

政府单位与政府部门   政府单位指在我国境内通过政治程序建立的、在一特定区域内对其他机构单位拥有立法、司法和行政权的法律实体及其附属单位。政府单位的主要职能是利用征税和其他方式获得的资金向社会和公众提供公共服务。通过转移支付，对社会收入和财产进行再分配。它主要包括各种行政单位和非营利性事业单位。所有政府单位归并在一起，就形成政府部门。

住户与住户部门   住户指共享同一生活设施、部分或全部收入和财产集中使用、共同消费住房、食品和其他消费品与消费服务的常住个人或个人群体。

初次分配总收入   初次分配是生产活动形成的净成果在参与生产活动的生产要素的所有者及政府之间的分配。生产活动的净成果是增加值。生产要素包括劳动力、土地、资本。劳动力所有者因提供劳动而获得劳动报酬；土地所有者因出租土地而获得地租；资本的所有者因资本的形态不同而获得不同形式的收入：借贷资本所有者获得利息收入；股权所有者获得红利或未分配利润；政府因直接或间接介入生产过程而获得生产税或支付补贴。初次分配的结果形成各个机构部门的初次分配总收入。各部门的初次分配总收入之和就等于国民总收入，亦即国民生产总值。

经常转移   转移是一个机构单位向另一个机构单位提供货物、服务或资产，而同时并没有从后一机构单位获得任何货物、服务或资产作为回报的一种交易。经常转移包括扣除资本转移外的所有转移。其形式有收入税、社会保险付款、社会补助和其他经常转移。

可支配总收入   在初次分配总收入的基础上，通过经常转移的形式对初次分配总收入进行再次分配。再分配的结果形成各个机构部门的可支配总收入。各部门的可支配总收入之和称为国民可支配总收入。

总储蓄   指可支配总收入用于最终消费后的余额。各部门的总储蓄之和称为国民总储蓄。

资本转移   指一个部门无偿地向另一个部门支付用于非金融投资的资金，是一种不从对方获取任何对应物作为回报的交易。资本转移具有不同于经常转移的两个特征，一是转移的目的是用于投资，而不是用于消费；二是资本转移其实物形式往往涉及除存货和现金以外资产所有权的转移；其现金形式往往涉及除存货以外的资产的处置。资本转移包括投资性补助和其他资本转移。

Explanatory Notes on Main Statistical Indicators

Credit Funds  refer to the monetary funds accumulated and distributed in the means of credit by the financial institutions. The sources of credit funds include various deposits, financial bonds, liabilities to international financial institutions, currency in circulation, other items. The uses of credit funds include loans, securities and investment, position for bullion and silver purchase, position for foreign exchange purchase, advances to treasury, and assets with international financial institutions.

Deposit   is a form of credit by which enterprises, institutions, organizations or households can put money into banks and other credit institutions for safekeeping and interest earning under the principle of free withdrawal. According to different depositors, deposits are divided into enterprise deposits, fiscal deposits, deposits of government agencies and organizations, savings deposits of rural and urban households, agricultural savings deposits, entrusted deposits and other deposits. Deposits are major sources of the credit funds of banks.

Insurance Companies  refer to commercial insurance companies of various forms registered by law and established in China with the approval of insurance regulatory agencies.

Amount Insured   refers to the maximum that the insurant will get for the claim of the case insured.

Premium   is the fee paid by the insurant to the insurer to obtain the obligation of compensation from the insurance within the agreed terms.

Settled Claim   is the compensation paid by the insurer to the insurant in accordance with the insurance contract.

Payment   includes payment for death, injury or medical treatment and payment at maturity. Payment for death, injury or medical treatment refers to the money paid to the insurant (or the beneficiary) in accordance with the life or health insurance contract when the insurant encounters accidents within the insured period covered in the contract. Payment at maturity refers to the payment to the insurant in accordance with the life insurance contract at the end of the insured period.

Institutions Unit  refer to economic entity which have the right to own assets and liabilities, to be able to engage in economic activities independently and to engage in transactions with other entities.

Institutional departments    refer to the consolidated institutional units with the same nature. Capital flow accounting will be permanent institutional units divided into the following four institutional sectors: non-financial corporate sector, financial institutions, government departments, household sector. The foreign departments composed by the non-resident units which occurred economic relations with resident units  shall be deemed as departments and agencies in the flow of funds accounts .

Non-financial Enterprises and Non-financial Enterprises Departments  Non - financial enterprises refer to the resident enterprises which mainly engaged in the production of market goods and providing non - financial market services, mainly including all kinds of business corporations engaged in the activities mentioned above. All of non-financial companies form non-financial enterprise sector together.

Government units and government departments    government units refer to legal entity and its subsidiary units established by the political process within the territory of China, having legislative, judicial and administrative powers within a specific area to other institutional units. The main function of the government units is to provide public services to the community and the public with the funds obtained by taxation and other means. It redistributes the social income and property through transfer payments. It mainly includes a variety of administrative units and non-profit institutions. All government units merged together to form government departments.

Households and Household Sector    households refer to resident individuals or groups of individuals who share the same living facilities, part or all of their money and property from, common consumption of housing, food and other consumer goods and consumer services.

Initial Distribution of Income    initial distribution refer to the distribution between the owner of production factors the production activities and government in the net result of production activities. Net result of production activities is an added value. Production factors including labor, land, capital. Ownership of labor obtain labor remuneration for labor, while land owners obtain rent because of the leased land, owner of capital obtain different forms of income because of different forms of capital: loan capital owner obtain the interest income, equity holders receive dividends or undistributed profit and government obtained production tax or the payment of subsidies because of directly or indirectly involving in the production process. The initial distribution of the various institutional sectors form their total revenue. The total income of the initial distribution of the various institutional sector is equal to the gross national income, which is the gross national product.

Current Transfers    Transfer refers to transaction that an institutional unit supply goods and services or assets to another unit, while does not obtain any goods, services or assets as a returns. Current transfers include all transfers excluding capital transfers. It is formed by income tax, social insurance payments, social assistance and other current transfer.

Total Disposable Income    On the basis of initial distribution, the total income is allocated again by the form of the current transfer. The result of the redistribution forms the disposable income of the various institutional sectors. The total income of the various institutional sectors is the national disposable total income.

Total Savings    refers to the balance of disposable income after final consumption. The total savings of the various institutional sectors is the national total savings.

Capital Transfers    Refers to the funds a department pays gratis to another department for the payment of non-financial investment. The transaction isn't obtain any correspondence as a return .There are two capital characteristics that make the capital transfer different from the current transfer: one is that the transfer shifted to invest, but not for consumption and the other is capital transfer the kind often involve ownership transfer except for stock and cash assets and the form of cash often involves the disposal of assets except for stocks. Capital transfers include investment grants and other capital transfers.