我国推行人寿保险信托的法律初探

发布时间：2018-02-02 16:45

本文关键词： 人寿保险信托保险金请求权信托财产　出处：《华东政法大学》2014年硕士论文　论文类型：学位论文

【摘要】：保险因其分散风险、保障危险发生后得以正常生活而被人民所广泛接受，而信托作为一个相对较为年轻的金融行业，其灵活、高效的投资理财能力也逐渐受到广泛的关注。人寿保险信托作为一种保险业和信托业结合的产物，在西方发达国家已经具有十分成熟的规模，但在我国，由于混业经营的限制，以及保险业与信托业起步与发展相对较为缓慢，人寿保险信托在我国仍然处于萌芽状态。笔者将在本文中分六个章节，对人寿保险信托制度以及其在我国发展的问题做详细阐述。第一章，笔者对人寿保险信托进行了初步的介绍。从寿险信托的定义入手，并且就人寿保险信托及人寿保险金信托两类相似概念作比较分析。并且进一步阐述推行人寿人寿保险信托对各方当事人的意义、功能及在我国推行此项业务的必要性分析。本文的第二章，笔者从国内外人寿保险信托的起源、发展与现状着手，分别介绍了美国、英国、日本、台湾等国家和地区寿险信托业务的发展情况以及对其优缺点进行分析。并且就以上几个国家和地区的人寿保险信托进行比较分析，以期可以得出我国能够借鉴之处。本文的第三章，笔者着力于从我国现有理论研究的角度，对两类人寿保险信托进行法律性质分析，优劣对比，寻求合适在国内发展人寿保险信托的种类。笔者从内部与外部两方面分析人寿保险信托在我国推行的可行性。从行业关系、市场需求、法律背景、理论基础等方面入手，希望能够在分析中，得出人寿保险信托能够在我国合法合理发展的依据，抑或是找到阻碍其发展的原因。本文的第五章，笔者依据前文讨论，得出了人寿保险信托在各国及地区的两种模式，即“保险中介”模式以及保险公司担任受托人的模式。然根据我国现有法律，两种模式并不是可以完全适用。因而，笔者将在本章做详细分析，为我国推行人寿保险信托业务的道路选择提出一些自己的意见。在本文的最后一章，笔者将从理论、实务以及监管三方面入手，分别讨论我国意欲推行人寿保险信托已经或即将面临的障碍与困境，并结合前文的讨论，以期能通过自己的学习研究，提出一些可行有效的解决意见，，为人寿保险信托能够在我国的发展出一些绵薄之力。
[Abstract]:Because of the insurance risk diversification, security risk of the normal life and are widely accepted by people, and trust as a relatively young financial industry, its flexible, efficient investment ability has received extensive attention. Life insurance trust is a kind of insurance industry and trust industry combination, in the west developed countries have a very mature, but in China, due to mixed operation restrictions, and the insurance industry and trust industry started with the development is relatively slow, the life insurance trust in our country is still in its infancy. It will be divided into six chapters in this paper, the life insurance trust system in our country and the the development of the problem in detail.
The first chapter, the author makes a preliminary introduction to the life insurance trust. Starting from the definition of life insurance trust, and makes a comparative analysis on life insurance trust and life insurance trust two similar concepts. And further elaborated the implementation of life insurance trust of the parties, analysis the function and the necessity to implement this in my business country.
In the second chapter, the author from the origin of the domestic and foreign life insurance trust, started the development and current situation, introduced the United States, Britain, Japan, the development of life insurance trust business in Taiwan and other countries and regions, and analyses its advantages and disadvantages. And then compares the above several countries and regions in the life insurance trust. Can come to our country to draw lessons from.
In the third chapter, the author focuses on the existing theoretical research of our country's point of view, analysis, comparison of the legal nature of the two types of life insurance trust, seeking in the domestic development of life insurance trust types. Two aspects from the internal and external analysis of life insurance trust in the feasibility of China's implementation of industrial relations from. And the market demand, legal background, the theoretical basis of hope in the analysis, the life insurance trust in China legal and reasonable development basis, or to find the reasons which hinder the development.
In the fifth chapter, the author discussed on the basis of the above, the life insurance trust in two countries and regions, namely "insurance intermediary" mode and the insurance company as trustee mode. According to the existing law of our country, two models can not fully applicable. Therefore, the author will make a detailed analysis on the in this chapter, choose to put forward some opinions for the implementation of the life insurance trust business of our country road.
In the last chapter, the author from the theory, practice and supervision of the three aspects were discussed in our country to carry out life insurance trust has been or is about to face obstacles and difficulties, combined with the foregoing discussion, in order to study by themselves, and put forward some feasible and effective solutions for the life insurance. To trust in the development of our country some modest.

【学位授予单位】：华东政法大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.282;D922.284

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