【摘要】：投資型人身保險在國內(nèi)還屬于一個嶄新的研究領域,其兼具保險保障與投資功能的特征使得其具有優(yōu)勢的競爭地位,但對投資型人身保險本身仍未有明確的法律意義上的界定,相應的法律制度存在缺失與不完善之處。文章首先對投資型人身保險的涵義予以界定;其次,從理論和現(xiàn)實依據(jù)方面,對投資型人身保險法律規(guī)制的必要性進行分析;再次,通過類型化分析與綜合分析,對我國投資型人身保險法律規(guī)制現(xiàn)狀進行闡述,并對實務中存在的主要問題予以歸結,同時通過歷史分析與比較分析,選取美國、英國、及仿效美國發(fā)展但保有特色的臺灣地區(qū)的法律規(guī)制內(nèi)容加以介紹,提出有益的值得借鑒的先進經(jīng)驗,為我國投資型人身保險健康、可持續(xù)發(fā)展保駕護航。
[Abstract]:Investment life insurance still belongs to a new research field in China. It has the characteristics of both insurance protection and investment function, which makes it have an advantageous competitive position, but there is still no clear definition of investment life insurance itself in the legal sense. There are deficiencies and imperfections in the corresponding legal system. This paper first defines the meaning of investment life insurance, secondly, from the theoretical and practical basis, analyzes the necessity of legal regulation of investment life insurance. Thirdly, through typological analysis and comprehensive analysis, this paper expounds the present situation of the legal regulation of investment life insurance in China, and sums up the main problems existing in practice. At the same time, through historical analysis and comparative analysis, the United States and the United Kingdom are selected. This paper introduces the contents of legal regulation in Taiwan, which emulate the development of the United States but retains its characteristics, and puts forward some useful advanced experiences worth drawing lessons from, so as to protect the health and sustainable development of investment-oriented life insurance in China.
【作者單位】： 中央財經(jīng)大學;
【分類號】：D922.284

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