【摘要】：近年來，巨災保險證券化在保險學和經(jīng)濟學界引起了學者們的熱烈討論，但是卻沒有引起法學界的過多關注。巨災保險證券化作為一種新興的巨災風險分散機制，是巨災保險在規(guī)避風險路徑上的一個延伸，其主要通過獨立的特殊目的再保險機構（簡稱SPRV）作為核心，實施負債的證券化并進而將保險市場和資本市場進行對接，達到分散風險目的。在這一過程中SPRV可以說發(fā)揮著至關重要的作用，巨災保險證券化成敗的關鍵就在于對SPRV這一主要主體進行科學的定性和合規(guī)性的管理。本文寫作的目的即在于從法學的角度來研究和剖析巨災保險證券化中SPRV自身設立以及所引起的合同法律關系問題，利用法律關系分析方法以及比較分析法對SPRV法律制度中的主體法律形態(tài)設定、合同的權利義務關系內容以及客體進行分析，厘清它們之間的法律關系，進而為對其的監(jiān)管和法律規(guī)制提供法理上的依據(jù)。 全文一共分為四個部分，第一部分是巨災保險證券化SPRV制度概述，這一部分的寫作目的是對巨災保險證券化SPRV基本制度有一個清晰的了解，從巨災保險證券化整體概念入手，同時對主體SPRV進行定性和必要性分析，達到熟悉、了解SPRV法律制度的目的。第二部分是對巨災保險證券化主體SPRV的法律形態(tài)進行分析，同時也結合美國、歐洲、日本、臺灣等國家和地區(qū)的先進立法和司法實踐對上述問題進行比較法研究，找到各種法律形態(tài)的優(yōu)劣勢。第三部分是對巨災保險證券化SPRV合同的法理分析，，這部分是整篇文章的重點和難點，該部分的主要內容為巨災保險證券化中SPRV再保險合同和證券買賣合同中的權利義務內容分析以及對發(fā)起人資產“真實銷售”和巨災保險證券法律性質的法律關系客體分析。這一部分的寫作目的也在于通過對SPRV重點法律問題的剖析，為法律規(guī)制找到法理依據(jù)。第四部分為我國巨災保險證券化SPRV法律制度立法完善的構想，具體從立法原則、法律障礙分析以及具體立法建議三個小方面加以闡述。
[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.
【學位授予單位】：西南政法大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：D922.284;D922.287

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