Research On The Risk Of Endowment Insurance Investment In Rural Cooperative Finance

China's aging population is showing a trend of accelerated development,the development of social pension model has become an inevitable way,pension real estate is gradually emerging,followed by a variety of investment subjects and paths.It is of great theoretical value to study the risk of insurance fund investing in endowment real estate under the mode of rural cooperative finance for improving the efficiency of insurance fund investment and promoting the development of rural cooperative finance,as well as for alleviating the imbalance between supply and demand of Chinese endowment institutions and solving the financing demand of endowment real estate.This paper studies the risk and its influencing factors of endowment real estate of insurance investment which is under the mode of rural cooperative finance,which is Based on the related concepts of rural cooperative finance and the risk of endowment real estate of insurance investment and the theory of value chain,and uses the fuzzy AHP method to evaluate the investment risk.At the same time,compared with the existing investment strategies,most of them focus on building a high-end elderly care community located in the first tier cities.In this paper,combined with the current supply and demand situation of elderly care institutions,we study the elderly care real estate in line with the consumption level of underdeveloped areas,and it is also an innovation in the research perspective.Thus,the background and significance of the research on the risk of endowment real estate investment under the mode of rural cooperative finance are first introduced,makes a brief overview of the content,framework,innovation and shortcomings of the research,and makes a brief review and feasibility analysis on the relevant research on the risk of endowment real estate investment.Then according to the above theory,the paper analyzes the risk and influencing factors of the investment of insurance capital in the pension real estate under the rural cooperative financial model.Finally,using the method of Fuzzy AHP,the paper constructs the index system of investment risk of pension real estate,select indicators such as policy risk,market and operation risk,project planning risk and financial risk to evaluate investment path risk,and puts forward relevant policy suggestions according to the empirical results.The empirical research shows that there are high risks in the investment of insurance capital in the rural cooperative finance mode,especially in the market and operation of the old-age real estate,which shows that under this investment mode,insurance companies should strengthen the ability to integrate the rural cooperative finance and other resources,and the insurance market supervision policies should be refined and perfected by regions.Although there are high risks in this investment mode,it is more diversified than the existing investment mode,which is of great significance to promote the development of rural cooperative finance,regulate the imbalance between supply and demand of pension real estate,and play the social functions of insurance companies to relieve the pressure of pension.