中国推出人寿保险信托产品研究

发布时间：2019-05-18 16:32

【摘要】：人寿保险信托作为一种新型的金融产品，在生活理财规划中扮演了重要的角色，自其推出以来在世界上几个发达国家和地区得到了良好的发展。由于人寿保险是在被保险人去世后才能给付保险金，因此保险金是否实际用于照顾自己的子女生活是无法确定的。人寿保险信托产品作为一种保险与信托相互结合的产品，在被保险人去世后是由信托受托人管理保险金，这就可以有效防止受益人挥霍保险金或是监护人觊觎保险金的问题，最大限度实现投保人的意愿。除了此项功能，人寿保险信托还具有节税以及保护投保人资产的功能，这就使其具有其他金融产品所不具有的优势。我国目前还没有推出此种产品，但随着我国经济、社会的发展以及广大居民保险意识的提高，对人寿保险信托产品的需求已初见端倪。为了我国人寿保险信托产品可以顺利推出，有必要对人寿保险信托产品进行多方面的了解。 本文在第一部分从信托制度的基本理论出发，详细介绍了人寿保险信托的涵义、起源、分类，在这一部分重点对比了“保险金信托”和“保险信托”这两个概念的异同，，并将保险信托同相似的保险产品进行了比较。文章的第二部分探讨了我国推出人寿保险信托产品的必要性和可行性，其详细阐述了我国是否需要人寿保险信托产品以及能否推出人寿保险信托产品的问题。通过宏观和微观方面的分析，我国已具备了推出寿险信托产品的可行性，并且寿险信托产品对保险业、信托业以及消费者都大有益处。文章的第三部分，对国内外主要国家地区人寿保险信托进行了比较研究。通过对比美国、日本、英国以及我国台湾地区的人寿保险信托的信托当事人、运行模式等，对我国人寿保险信托的设计思路起到了启示作用。文章的第四部分是在前文的基础上，设计了我国人寿保险信托的运行模式、经营方式、信托合同等。同时这一部分还从宏观环境到微观主体讨论了在推出人寿保险信托产品时可能出现的问题，并给出了解决这些问题的一些建议。
[Abstract]:As a new type of financial product, life insurance trust has played an important role in life financial planning, and has been well developed in several developed countries and regions in the world since its launch. Since life insurance can only be paid after the insured dies, it is uncertain whether the insurance will actually be used to take care of his children. As a combination of insurance and trust, the life insurance trust product is managed by the trust trustee after the insured dies, which can effectively prevent the beneficiary from squandering the insurance money or the guardian coveting the insurance money. Maximize the will of the applicant. In addition to this function, life insurance trust also has the function of saving taxes and protecting the assets of policy holders, which makes it have advantages that other financial products do not have. At present, this kind of product has not been introduced in our country, but with the development of economy and society and the improvement of insurance consciousness of the majority of residents, the demand for life insurance trust products has begun to emerge. In order to launch life insurance trust products smoothly, it is necessary to understand life insurance trust products in many aspects. In the first part, starting from the basic theory of trust system, this paper introduces in detail the meaning, origin and classification of life insurance trust, and focuses on comparing the similarities and differences between the two concepts of "insurance trust" and "insurance trust". The insurance trust is compared with similar insurance products. The second part of the article discusses the necessity and feasibility of introducing life insurance trust products in our country, and expounds in detail whether we need life insurance trust products and whether we can launch life insurance trust products. Through macro and micro analysis, China has the feasibility of launching life insurance trust products, and life insurance trust products are of great benefit to insurance industry, trust industry and consumers. The third part of the article makes a comparative study of life insurance trust in major countries and regions at home and abroad. By comparing the trust parties and operation modes of life insurance trust in the United States, Japan, Britain and Taiwan, it plays an enlightening role in the design of life insurance trust in China. On the basis of the above, the fourth part of the article designs the operation mode, management mode, trust contract and so on of the life insurance trust in our country. At the same time, this part also discusses the possible problems in the introduction of life insurance trust products from the macro environment to the micro subject, and gives some suggestions to solve these problems.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.49


本文编号：2480157