Yield = income/principal * 100%, settlement interest rate = insurance premium/insurance amount. For the company, the rate of return refers to the net profit, and the calculation method is rate of return = income/principal * 100%. The guaranteed interest rate is the promised minimum settlement interest rate, and the settlement interest rate is the actually implemented interest rate. The calculation method is settlement interest rate = insurance premium/insurance amount. The insurance interest rate is the quota for the insurer to deduct the insurance premium from the insured according to the insurance amount of the enterprise.