人寿保险信托法律制度研究

发布时间：2018-11-05 10:16

【摘要】：人寿保险信托问题在国内还属于一个崭新的研究领域,我国人寿保险信托法律制度还未真正发展起来,对人寿保险信托本身的含义也还没有一个相对明确的界定。一般认为,人寿保险信托是指委托人以保险金请求权为信托财产与受托人订立信托,并将保险金请求权移转予受托人,由受托人依照信托合同的约定为受益人的利益或特定目的管理和收益信托财产。目前,国外人寿保险信托制度相当发达,尤其是以美国为代表的不可撤销型人寿保险信托,不仅具有先进的理论做支持,更有丰富的实践经验做证明。基于我国社会经济发展水平及具体相关法律制度与美、日等地存在很大的差异,所以在借鉴上应特别注意其适用的模式及范围。因此,文章共分成四个部分来具体论述人寿保险信托制度的法律问题：第一部分是人寿保险信托的一般理论,主要以界定人寿保险信托的概念及性质为主,并在此基础上探讨人寿保险信托的类型及与相关概念的比较。第二部分是域外人寿保险信托法律制度的借鉴,笔者采用比较法学的研究方法,选取美国、日本及我国台湾地区的人寿保险信托法律制度,分析他们的经营模式与监管体制,以此探寻我国建立人寿保险信托制度的发展模式及方向,并对此提出一些可以借鉴美、日及台湾地区在人寿保险信托制度方面值得借鉴的先进经验。第三部分是我国引入人寿保险信托制度的必要性和可行性,笔者分别分析了我国发展人寿保险信托制度的必要性与可行性,以证明我国应当建立人寿保险信托法律制度。第四部分是我国人寿保险信托法律制度的构建,笔者从具体法律制度与社会现实发展的角度出发,对我国如何适用人寿保险信托制度提出一些具体的可操作性建议。
[Abstract]:Life insurance trust is still a new research field in China. The legal system of life insurance trust has not really developed in China, and the meaning of life insurance trust itself has not been defined clearly. It is generally believed that a life insurance trust means that the principal enters into a trust with the trustee for the trust property with the right of claim for the insurance premium and transfers the claim for the insurance money to the trustee. The trustee shall administer and receive the trust property for the benefit of the beneficiary or for a specific purpose as agreed in the trust contract. At present, the foreign life insurance trust system is quite developed, especially the irrevocable life insurance trust represented by the United States, which not only has advanced theory to support, but also has rich practical experience to prove it. Because there are great differences between China's social and economic development level and the specific relevant legal system, such as the United States, Japan and other places, we should pay special attention to its applicable mode and scope in reference. Therefore, the article is divided into four parts to discuss the legal problems of life insurance trust system: the first part is the general theory of life insurance trust, mainly to define the concept and nature of life insurance trust. On this basis, the types of life insurance trust and the comparison with related concepts are discussed. The second part is the reference of the extraterritorial life insurance trust legal system. The author adopts the comparative law research method, selects the life insurance trust legal system of the United States, Japan and Taiwan area of our country, analyzes their management mode and supervision system. In order to explore the development mode and direction of establishing life insurance trust system in our country, this paper puts forward some advanced experiences in life insurance trust system of the United States, Japan and Taiwan that can be used for reference. The third part is the necessity and feasibility of introducing the life insurance trust system into our country. The author analyzes the necessity and feasibility of developing the life insurance trust system in China, in order to prove that our country should establish the life insurance trust law system. The fourth part is the construction of the legal system of life insurance trust in our country. From the angle of the specific legal system and the development of social reality, the author puts forward some practical suggestions on how to apply the life insurance trust system in our country.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.284;D922.282

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