保险市场退出语境下的保单持有人权益保护探析

发布时间：2018-06-04 16:10

本文选题：保险市场退出 + 人寿保险　；参考：《北京联合大学学报(人文社会科学版)》2015年03期

【摘要】：对寿险保单持有人的保护是世界各国问题保险公司或经营失败保险公司处置中的保障重点。保险市场退出对保单持有人权益的影响包括权利受到侵害、保障额度降低、保险范围变化、清算程序带来不利影响、所享待遇降低等。保险市场退出环境下完善保单持有人权益保护的对策包括:在保险人失去清偿能力前,应采用动态的偿付能力监管措施,引导大众对风险有所了解,事先树立债权人的正确意识;在保险人失去清偿能力后,应强化保险保障基金的正确管理,完善破产后的告知义务,给予寿险消费者更多的权利,对清偿的第一顺序人应设置限额。
[Abstract]:The protection of life insurance policy holders is the key point in the disposal of problem insurance companies or failure insurance companies all over the world. The impact of insurance market withdrawal on the rights and interests of policy holders includes the infringement of rights, the reduction of the amount of protection, the change of insurance coverage, the adverse effects of liquidation procedures, and the reduction of benefits enjoyed by policy holders. The countermeasures to improve the protection of the rights and interests of policy holders under the environment of withdrawal from the insurance market include: before the insurer loses its solvency, it should adopt dynamic solvency supervision measures to guide the public to understand the risks. After the insurer loses its ability to pay off, it is necessary to strengthen the correct management of the insurance protection fund, perfect the obligation of informing after bankruptcy, and give more rights to the life insurance consumers. A limit shall be set for the first order person to pay off.
【作者单位】：对外经济贸易大学法学院;
【基金】：中国保险监督管理委员会2009-2010年度部级研究课题“保险市场退出机制及风险处置研究”
【分类号】：F842.3

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