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The Research of Insurance Funds Investment in Real Estate

Author: WuYongGang
Tutor: LiuZuo
School: Nankai University
Course: Insurance
Keywords: Insurance Funds Real Estate Real Estate Investment Trusts (REITs)
CLC: F832.48
Type: PhD thesis
Year: 2013
Downloads: 138
Quote: 0
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Abstract


The annual yield of insurance funds in2012is only3.39%, while the bank one-year deposit interest rate is3.0%in the same year, which requires insurance companies to improve the efficiency of fund utilization. The significance of this study is to systematically analyze the existing real estate investment method, combine with the status of the development of China’s insurance industry and propose a new model for the investment of insurance funds. The introduction of the new model can alleviate the problem of insurance fund utilization, like the single investment channel, high concentration, the relatively low yields and the ability of resisting inflation is not strong, and can provide a new impetus and path to develop healthily and steadily for the insurance companies.This paper is divided into seven parts. The first section is the outline of thesis and raises questions. The second part to sixth part analyzed respectively from the status quo of China’s insurance fund utilization, the ways of insurance funds direct and indirect investment in real estate, the new business models as well as the analysis of the new business model with the insurance company’s overall strategy. The last part concludes the paper, summarizes and stresses the strategic value and social significance of this investment behavior, and analyzes the effect of insurane development for economic development and social progress.This paper is on the point of view of insurance companies’ development strategy, from the perspective of the insurance funds and real estate securitization product match, and makes comprehensive comparative analysis of the risks and benefits of the various asset securitization products.It is because of the long period, strong externalities, cost-lag, and fortunately shot of insurance funds and the characteristics of both liquidity and long-term, a high dividend, and the counter-cyclical feature in the economic crisis of the REITs, they mutually adapt. This paper lists the existing real estate investment method, combine with the status of the development of China’s insurance industry and propose a new model, and does qualitative research of the possible risks of the investment process, explores from the system establishment and internal control to guard against risks.This paper argues that: insurance funds firstly invest property enterprises that associat with the main business, and continue operations to get the stable cash flow, then securitize in the form of REITs to get capital premium and continue to control the original property in the form of holding the part of the shares. This mode is more suitable for the investment of insurance funds.According to this model, Insurance funds are not only beneficial to the long-term and healthy development of the insurance companies, and is more conducive to the reasonable allocation of social wealth, benefit the country, the people and the companies, and is a concentrated expression of the Scientific Outlook on Development at the economic level.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Investment
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