In recent years, with the expansion of insurance investment channels and the growth of insurance fund quotas in my country, the income of insurance funds in my country has also grown steadily. From the beginning of 2001 to the end of 2010, my country's insurance companies realized investment income with an average annual rate of return of more than 5%, and insurance investment income has gradually become the main source of profit for insurance companies. The increase in the income from the use of insurance funds has greatly promoted the innovation of insurance products, among which the rapid development of new life insurance products, universal insurance and investment-linked insurance, is particularly prominent
However, there are also some problems with the investment returns of insurance funds in my country, mainly manifested in the low liechtenstein number level of investment yields and large fluctuations in returns.
From Table 2 we can see that since 2001, except for 2007 when the yield reached a historical high, the insurance investment yield in other years has been relatively low, with an average yield of barely 5%, which is a big gap compared with the more than 10% in developed countries.