1, different influencing factors
Operating income is an important factor that directly affects the market capacity. On the one hand, the premium earned is influenced by the macroeconomic situation, on the other hand, by the national income distribution policy and consumption policy, and the premium earned directly determines the purchasing power level of consumers.
2. Different coverage areas
Operating income: generally refers to the total amount of personal production, including the inventory value that has not been sold and has not yet formed income;
The premium earned is the sum of main business income, operating income and other business income, and the total income of some circulating residents is the difference income, that is, gross profit.
3. Different calculation methods
The calculation formula of operating income is:
Net operating income = operating income-operating expenses-depreciation of productive fixed assets-product tax+
Net rental income, net rental income of other assets and net rental income of converted self-owned housing, etc. The net income of property does not include the premium income from the transfer of ownership of assets.
The calculation formula of earned premium is: actual growth rate of per capita disposable income = (per capita disposable income in the reporting period/per capita disposable income in the base period)/consumer price index-100%.
4. Different characteristics
Operating income was born in economically developed countries such as North America and Europe in the late 1990s. Because its business development does not rely on physical outlets and physical counters, it has the remarkable characteristics of few institutions, good personnel and low cost.
Earning insurance premium has the characteristics of high deposit interest, real-time, convenient, fast, low cost and full-featured 24-hour service, which is loved by more and more customers, and its number will increase rapidly, becoming a very important part of the banking industry in the future.
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