1 . the composite interest rate is a weighted average interest rate of all hong kong dollar interest bearing liabilities , which include deposits from customers , amounts due to banks , negotiable certificates of deposit and other debt instruments , and hong kong dollar non - interest bearing demand deposits on the books of banks 1 .综合利率是指银行帐册上所有港元附息负债的加权平均利率，这些负债包括客户存款银行同业存款可转让存款证及其他债务工具，以及港元不计息活期存款。
The composite interest rate is a weighted average interest rate of all hong kong dollar interest bearing liabilities , which include deposits from customers , amounts due to banks , negotiable certificates of deposit and other debt instruments , and hong kong dollar non - interest bearing demand deposits on the books of banks 综合利率是指银行帐册上所有港元附息负债的加权平均利率，这些负债包括客户存款银行同业存款可转让存款证及其他债务工具，以及港元不计息活期存款。
Policy - holder is old period after life - insurance pay insurance cost , retreat ahead of schedule before insurance expires protect , two kinds are retreated differently maintain pattern , one kind is to arrive two years in retreat the poundage with already handed in insurance cost to deduct certain is pressed when protecting reimburse insurance cost ( the insurance cost that waits to will be received then undertakes returning returning after deducting poundage , not plan breath or do not keep a cost ) ; another kind returns cost of money namely , back down during exceeding particular insurance namely protect , right now insurance company according to previous provision each period cost of money undertakes returning returning to policy - holder , be equal to gold of repayment of capital and interest are returned to already paying insurance cost after deducting certain overhead expenses , the cost of money after arriving 2 years 3 years commonly has exceeded the insurance cost of original pay , will have compound interest rise in value according to fixed interest rate , the cost of money that these can add after clauses gets exact numerical value on the watch 投保人为多年期的人寿保险缴纳保费后，在保险到期之前提前退保，有两种不同的退保方式，一种是一到两年之内退保时按已交保费扣减一定的手续费退还保费（等于是将收到的保费在扣除手续费后进行返还，不计息或不保值） ；另一种就是退还现金价值，也就是在超过一定的保险期间后退保，此时保险公司按照先前规定的各期现金价值对投保人进行返还，等于在扣除一定的治理费用后对已交保费返还本金和利息，一般二年到三年后的现金价值就已经超过原来缴纳的保费，并将按照一定的利率进行复利增值，这些都可在保险条款后所附的现金价值表上得到准确的数值。
The composite interest rate is computed on the basis of the weighted average of all hong kong dollar interest - bearing liabilities of retail banks . these include deposits from customers , amounts due to banks , negotiable certificates of deposit , other debt instruments and hong kong dollar non - interest bearing demand deposits 综合利率的厘定是依据银行帐册上所有港元附息负债的加权平均利率，包括客户存款银行同业存款可转让存款证及其他债务工具，以及港元不计息活期存款。
