保险资金投资土地储备项目法律问题探析

On Insurance Funds Investment in Land Reserve Project

随着保险业日益发展,保险业聚集资金的功能更好地体现出来,截至2010年12月底,中国保险业总资产突破5万亿元,保险资金可用余额达到4.6万亿元,这使得保险资金的投资渠道进一步拓宽。2009年修改的《保险法》①和2010年9月1日出台的《保险资金投资不动产暂行办法》②都规定了保险资金可以投资不动产领域或政府土地储备领域。尤其在2010年《保险资金投资不动产暂行办法》出台后,更是明确了保险资金可以通过债权方式投资包括政府土地储备项目在内的各种不动产。促使保险资金更好地投资于政府土地储备项目,更符合保险监督管理委员会对于保险资金投资不动产的监管要求,更有利于保险资金规避投资风险达到保值增值的目的,是关键问题。

Insurance industry gathered funds function was better to play,2010 the total assets of the insurance industry in China exceeded,which makes the investment of insurance funds to further broaden the channels.The 2009 amendments to the 'insurance law' and in September 1,2010 the introduction of the 'insurance funds investing in immovable Interim Measures' provisions that insurance funds can be immovable property or government land reserve investment.Especially in 2010,'insurance funds investing in immovable Interim Measures' after the introduction,is even clearer the insurance fund investment by way of creditor's rights can,including the government land reserve project of immovable property.How to make insurance funds to better investment in land reserve project government,more in line with the Insurance Regulatory Commission for insurance funds investment property regulatory requirements,more conducive to evade the risk of investment of insurance funds to preserve and increase the value of the objective is the key problem.