Invest Research Of The Insurance Based On China's Real Estate Industry

The insurance industry as a modern financial sector, one of the three pillars of economic development and social stability plays an important role. Since 1979, China's insurance industry developed rapidly since the resumption of business, insurance and capital continues to grow. By the end of 2008, despite influence by the financial crisis, China's premium income is still reached a record 978.41 billion yuan, total assets of the insurance industry attains .3 trillion yuan and may use the fund attains 2.2 trillion yuan, a record since 2000 all-time high. However, unlike the relatively large amount of insurance funds should be is that China's investment channels for insurance funds is very limited, the Government's investment of insurance funds strict regulation, insurance funds are mainly invested in bank deposits, treasury bonds, corporate bonds, securities investment funds and stock. This has seriously affected our rate of return on investment of insurance funds, so that the pressure and increasing the value of insurance funds increasing, to a certain extent, this has hampered the further development of China's insurance industry. Therefore, how to expand insurance investment channels, improve the rate of return on investment of insurance funds with an impact on the insurance industry continues to improve the development of key issues.February 28, 2009, National People's Congress adopted the newly revised "Insurance Law", October 1, 2009 formally implemented. The revised Insurance Act to broaden investment channels for insurance, an increase of "investment property" one. Although the date, the CIRC has not yet invest in real estate on the details of insurance funds to make clearly defined. It was foreseeable that allow insurance funds to invest in real estate is bound to China's insurance industry, real estate and the resulting economic and social implications.In this context, the article is based on the insurance funds to invest in real estate industry has been studied by comparing the analysis and discriminant analysis, dynamic analysis and static analysis, quantitative analysis and qualitative analysis, theory and practice of combining method to analyze the investment of insurance capital real estate assets and liabilities of insurance companies and investment portfolio impact on the real estate industry investment and financing and real estate prices, and try to put a specific mode of operation and risk prevention mechanism to prevent the risk of possible accidents, and increase China's insurance funds investment income, thus contributing to China's insurance industry.