承保业务和资金运用是保险发展的“两个轮子”。受益于近年来保险业务的持续显著增长,保险资金运用也随之快速发展,保险资金运用投资渠道不断拓宽,投资风险得以进一步分散。截至今年6月末,保险公司资金运用余额达到5.2万亿元规模,较年初增长了12.6%。2011年上半年平均收益率为2.1%,保险资 Underwriting insurance and capital utilization are the two wheels of insurance development. Benefiting from the sustained and remarkable growth of insurance business in recent years, the use of insurance funds has also rapidly developed. The investment channels for the use of insurance funds continue to broaden and investment risks are further dispersed. As of the end of June this year, the balance of funds used by insurance companies reached 5.2 trillion yuan, an increase of 12.6% over the beginning of the year. The average yield for the first half of 2011 was 2.1%, insurance premiums