本文關(guān)鍵詞： 人壽保險信托 保險金請求權(quán) 信托財產(chǎn)　出處：《華東政法大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：保險因其分散風(fēng)險、保障危險發(fā)生后得以正常生活而被人民所廣泛接受，而信托作為一個相對較為年輕的金融行業(yè)，其靈活、高效的投資理財能力也逐漸受到廣泛的關(guān)注。人壽保險信托作為一種保險業(yè)和信托業(yè)結(jié)合的產(chǎn)物，在西方發(fā)達(dá)國家已經(jīng)具有十分成熟的規(guī)模，但在我國，由于混業(yè)經(jīng)營的限制，以及保險業(yè)與信托業(yè)起步與發(fā)展相對較為緩慢，人壽保險信托在我國仍然處于萌芽狀態(tài)。筆者將在本文中分六個章節(jié)，對人壽保險信托制度以及其在我國發(fā)展的問題做詳細(xì)闡述。 第一章，筆者對人壽保險信托進(jìn)行了初步的介紹。從壽險信托的定義入手，并且就人壽保險信托及人壽保險金信托兩類相似概念作比較分析。并且進(jìn)一步闡述推行人壽人壽保險信托對各方當(dāng)事人的意義、功能及在我國推行此項(xiàng)業(yè)務(wù)的必要性分析。 本文的第二章，筆者從國內(nèi)外人壽保險信托的起源、發(fā)展與現(xiàn)狀著手，分別介紹了美國、英國、日本、臺灣等國家和地區(qū)壽險信托業(yè)務(wù)的發(fā)展情況以及對其優(yōu)缺點(diǎn)進(jìn)行分析。并且就以上幾個國家和地區(qū)的人壽保險信托進(jìn)行比較分析，以期可以得出我國能夠借鑒之處。 本文的第三章，筆者著力于從我國現(xiàn)有理論研究的角度，對兩類人壽保險信托進(jìn)行法律性質(zhì)分析，優(yōu)劣對比，尋求合適在國內(nèi)發(fā)展人壽保險信托的種類。筆者從內(nèi)部與外部兩方面分析人壽保險信托在我國推行的可行性。從行業(yè)關(guān)系、市場需求、法律背景、理論基礎(chǔ)等方面入手，希望能夠在分析中，得出人壽保險信托能夠在我國合法合理發(fā)展的依據(jù)，抑或是找到阻礙其發(fā)展的原因。 本文的第五章，筆者依據(jù)前文討論，得出了人壽保險信托在各國及地區(qū)的兩種模式，即“保險中介”模式以及保險公司擔(dān)任受托人的模式。然根據(jù)我國現(xiàn)有法律，兩種模式并不是可以完全適用。因而，筆者將在本章做詳細(xì)分析，為我國推行人壽保險信托業(yè)務(wù)的道路選擇提出一些自己的意見。 在本文的最后一章，筆者將從理論、實(shí)務(wù)以及監(jiān)管三方面入手，分別討論我國意欲推行人壽保險信托已經(jīng)或即將面臨的障礙與困境，并結(jié)合前文的討論，以期能通過自己的學(xué)習(xí)研究，提出一些可行有效的解決意見，，為人壽保險信托能夠在我國的發(fā)展出一些綿薄之力。
[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.

【學(xué)位授予單位】：華東政法大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：D922.282;D922.284

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本文編號：1484988