巨灾保险证券化SPRV法律问题研究

发布时间：2019-03-14 12:26

【摘要】：近年来，巨灾保险证券化在保险学和经济学界引起了学者们的热烈讨论，但是却没有引起法学界的过多关注。巨灾保险证券化作为一种新兴的巨灾风险分散机制，是巨灾保险在规避风险路径上的一个延伸，其主要通过独立的特殊目的再保险机构（简称SPRV）作为核心，实施负债的证券化并进而将保险市场和资本市场进行对接，达到分散风险目的。在这一过程中SPRV可以说发挥着至关重要的作用，巨灾保险证券化成败的关键就在于对SPRV这一主要主体进行科学的定性和合规性的管理。本文写作的目的即在于从法学的角度来研究和剖析巨灾保险证券化中SPRV自身设立以及所引起的合同法律关系问题，利用法律关系分析方法以及比较分析法对SPRV法律制度中的主体法律形态设定、合同的权利义务关系内容以及客体进行分析，厘清它们之间的法律关系，进而为对其的监管和法律规制提供法理上的依据。全文一共分为四个部分，第一部分是巨灾保险证券化SPRV制度概述，这一部分的写作目的是对巨灾保险证券化SPRV基本制度有一个清晰的了解，从巨灾保险证券化整体概念入手，同时对主体SPRV进行定性和必要性分析，达到熟悉、了解SPRV法律制度的目的。第二部分是对巨灾保险证券化主体SPRV的法律形态进行分析，同时也结合美国、欧洲、日本、台湾等国家和地区的先进立法和司法实践对上述问题进行比较法研究，找到各种法律形态的优劣势。第三部分是对巨灾保险证券化SPRV合同的法理分析，，这部分是整篇文章的重点和难点，该部分的主要内容为巨灾保险证券化中SPRV再保险合同和证券买卖合同中的权利义务内容分析以及对发起人资产“真实销售”和巨灾保险证券法律性质的法律关系客体分析。这一部分的写作目的也在于通过对SPRV重点法律问题的剖析，为法律规制找到法理依据。第四部分为我国巨灾保险证券化SPRV法律制度立法完善的构想，具体从立法原则、法律障碍分析以及具体立法建议三个小方面加以阐述。
[Abstract]:In recent years, catastrophe insurance securitization has aroused heated discussion among scholars in the field of insurance and economics, but it has not attracted much attention in the field of law. Catastrophe insurance securitization, as a new mechanism of dispersion of catastrophe risk, is an extension of catastrophe insurance in the way of avoiding risk. It is mainly through the independent special purpose reinsurance organization (SPRV) as the core. Implement the securitization of liabilities and then connect the insurance market and capital market to achieve the goal of diversification of risk. In this process, SPRV can be said to play a vital role. The key to the success or failure of catastrophe insurance securitization lies in the scientific qualitative and regulatory management of SPRV, the main subject. The purpose of this paper is to study and analyze the establishment of SPRV in catastrophe insurance securitization from the angle of law and the legal relationship of contract caused by catastrophe insurance securitization. By using the method of legal relationship analysis and comparative analysis, this paper analyzes the legal form of subject in SPRV legal system, the content and object of contractual rights and obligations, and clarifies the legal relationship between them. Then it provides legal basis for its supervision and legal regulation. The full text is divided into four parts, the first part is a summary of catastrophe insurance securitization SPRV system, the purpose of this part of writing is to have a clear understanding of the catastrophe insurance securitization SPRV basic system, starting with the overall concept of catastrophe insurance securitization. At the same time, the main body of SPRV qualitative and necessary analysis, to be familiar with, understand the legal system of SPRV purpose. The second part is to analyze the legal form of the main body of catastrophe insurance securitization, SPRV. At the same time, it makes a comparative study on the above-mentioned issues in the light of the advanced legislation and judicial practice of the United States, Europe, Japan, Taiwan and other countries and regions. Find out the advantages and disadvantages of various legal forms. The third part is the legal analysis of catastrophe insurance securitization SPRV contract. This part is the focus and difficulty of the whole article. The main content of this part is the analysis of the rights and obligations of SPRV reinsurance contract and securities sale contract in catastrophe insurance securitization, and the analysis of the legal relation object of "real sale" of sponsors' assets and the legal nature of catastrophe insurance securities. The purpose of this part of writing is to find the legal basis for the legal regulation through the analysis of the key legal issues of SPRV. The fourth part is the conception of perfecting the legislation of catastrophe insurance securitization SPRV from three aspects: the legislative principle, the analysis of the legal obstacles and the specific legislative suggestions.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.284;D922.287

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