The insurance sector is a net taker of credit risk (through these derivatives), but these net positions form a small part (generally 3 to 4 percent) of their asset portfolios.

保险部门是信贷风险的净承担者（通过这些衍生物），但是这些净财务状况形成了它们一小部分在握的资产有价证券（通常3----4%）。