由于持续地面临不确定的市场风险,保险业普遍寻求将自有资金尽可能多地投向收益率较高的投资工具。在发达国家中,美国寿险公司的资产分配方案比较典型,债券,尤其是公司债券,占保险公司资产总额的比例较高。 Due to the continuous exposure of uncertain market risks, the insurance industry generally seeks to invest its own funds as much as possible into investment vehicles with higher yields. Among the developed countries, life insurance companies in the United States have a more typical asset allocation plan. Bonds, especially corporate bonds, account for a higher proportion of the total assets of insurance companies.