, the proportion of bank deposits is decreasing year by year, the proportion of bonds and securities investment funds is increasing, and the proportion of stock investment is fluctuating. Generally speaking, due to the imperfection of my country's financial market and the imperfect capital market system, the investment structure of my country's insurance funds is not very reasonable. For many years, my country's insurance funds have been mainly bank deposits with low yields, while bond investment and other channels have accounted for a relatively small proportion.
As can be seen from Table 1, in 2007, when the stock market was booming, a large amount of insurance funds entered the stock market, and the proportion of insurance funds in stock investment quickly climbed to the highest level in history, with an liechtenstein number investment ratio of as high as 17.65%. However, the arrival of the bull market in 2008 caused various insurance companies to significantly reduce their stock investment ratios and transfer most of the funds to assets with relatively stable yields such as bank deposits and bonds, so the investment ratio of the two quickly rebounded.