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2009年10月1日,新修订的《保险法》允许保险资金可以投资于不动产,房地产作为不动产内容之一,可以成为保险资金投资渠道之一。REITs作为房地产市场股权投资的一种方式,具有非关联性、高流动性和高回报率的特点,这与保险经营具有的强外部性、成本滞后性、资金运转周期长等特点相吻合,为保险资金投资房地产搭建了难得的操作平台。通过分析保险资金投资REITs存在风险,并给出相关建议,对我国保险资金投资REITs发展起到一定的指导作用。
October 1, 2009, the newly revised “Insurance Law” allows insurance funds can invest in real estate, real estate as one of the real estate content, insurance funds can be one of the investment channels. As a way of real estate market equity investment, REITs are characterized by non-relatedness, high liquidity and high rate of return. This is in line with the characteristics of insurance management such as strong externality, cost lag, long capital operation period, etc. Real estate investment in insurance funds set up a rare platform. By analyzing the risk of REITs investment in insurance funds and giving relevant suggestions, it plays a guiding role in the development of REITs in China’s insurance funds investment.