| Population aging is a social problem of our country that our country is bound to experience, the traditional models of family pension are under increasing pressure, and young couples to support four elderly people will become the norm of our country’s family endowment. With the development of our country’s economy and people’s income level is increasing day by day, people’s pension requirements are becoming higher and higher. At present, the traditional pension models have been unable to meet the demand of the elderly endowment; interest in high-end old-age homes is becoming stronger and stronger. Under this background, endowment real estate gradually rise, all kinds of investment subject appear in the nascent field of endowment real estate, among them, the investment potential of insurance companies attracts more people’s attention. Endowment real estate construction and operation need huge capital support, the investment recovery of endowment real estate is10to15years, these requirements are in conformity with the capital characteristic of insurance company especially life insurance company. Life insurance funds have the characteristics of large scale and long term, and the use situation of life insurance funds in our country at present is not very ideal, regardless of the source and the terms of the life insurance funds, its investment projects are basically short-term, the cause of this result is lack of long-term investment projects witch have stable rate of return on the market. It is not conducive to form a virtuous circle of insurance funds if the source of the funds does not match with the funds investment, and it is also not to meet the effect of the use of insurance funds. The emergence of the endowment real estate just solves the predicament of life insurance funds investment; therefore it is very suitable for life insurance company to participate in the endowment real estate investment and construction. This paper first introduces the concept of China’s endowment real estate, distinguishes between the endowment property and general real estate project and on the basis of analysis of the three basic endowment patterns of our country, the rise of China’s endowment property are introduced. In the second chapter, firstly it analyzes the necessity of life insurance companies to invest in endowment real estate, on the one hand, it is because the elderly population is growing rapidly and the pressing needs of institutional pension, on the other hand, the life insurance company needs investment channels to match the long-term capital. The third chapter mainly introduces the foreign endowment real estate development and investment patterns. The last few chapters mainly study the suitable investment patterns and strategies of our country’s life insurance company. |
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