【摘要】：人壽保險信托作為一種新型的金融產(chǎn)品，在生活理財規(guī)劃中扮演了重要的角色，自其推出以來在世界上幾個發(fā)達(dá)國家和地區(qū)得到了良好的發(fā)展。由于人壽保險是在被保險人去世后才能給付保險金，因此保險金是否實際用于照顧自己的子女生活是無法確定的。人壽保險信托產(chǎn)品作為一種保險與信托相互結(jié)合的產(chǎn)品，在被保險人去世后是由信托受托人管理保險金，這就可以有效防止受益人揮霍保險金或是監(jiān)護(hù)人覬覦保險金的問題，最大限度實現(xiàn)投保人的意愿。除了此項功能，人壽保險信托還具有節(jié)稅以及保護(hù)投保人資產(chǎn)的功能，這就使其具有其他金融產(chǎn)品所不具有的優(yōu)勢。我國目前還沒有推出此種產(chǎn)品，但隨著我國經(jīng)濟、社會的發(fā)展以及廣大居民保險意識的提高，對人壽保險信托產(chǎn)品的需求已初見端倪。為了我國人壽保險信托產(chǎn)品可以順利推出，有必要對人壽保險信托產(chǎn)品進(jìn)行多方面的了解。 本文在第一部分從信托制度的基本理論出發(fā)，詳細(xì)介紹了人壽保險信托的涵義、起源、分類，在這一部分重點對比了“保險金信托”和“保險信托”這兩個概念的異同，，并將保險信托同相似的保險產(chǎn)品進(jìn)行了比較。文章的第二部分探討了我國推出人壽保險信托產(chǎn)品的必要性和可行性，其詳細(xì)闡述了我國是否需要人壽保險信托產(chǎn)品以及能否推出人壽保險信托產(chǎn)品的問題。通過宏觀和微觀方面的分析，我國已具備了推出壽險信托產(chǎn)品的可行性，并且壽險信托產(chǎn)品對保險業(yè)、信托業(yè)以及消費者都大有益處。文章的第三部分，對國內(nèi)外主要國家地區(qū)人壽保險信托進(jìn)行了比較研究。通過對比美國、日本、英國以及我國臺灣地區(qū)的人壽保險信托的信托當(dāng)事人、運行模式等，對我國人壽保險信托的設(shè)計思路起到了啟示作用。文章的第四部分是在前文的基礎(chǔ)上，設(shè)計了我國人壽保險信托的運行模式、經(jīng)營方式、信托合同等。同時這一部分還從宏觀環(huán)境到微觀主體討論了在推出人壽保險信托產(chǎn)品時可能出現(xiàn)的問題，并給出了解決這些問題的一些建議。
[Abstract]:As a new type of financial product, life insurance trust has played an important role in life financial planning, and has been well developed in several developed countries and regions in the world since its launch. Since life insurance can only be paid after the insured dies, it is uncertain whether the insurance will actually be used to take care of his children. As a combination of insurance and trust, the life insurance trust product is managed by the trust trustee after the insured dies, which can effectively prevent the beneficiary from squandering the insurance money or the guardian coveting the insurance money. Maximize the will of the applicant. In addition to this function, life insurance trust also has the function of saving taxes and protecting the assets of policy holders, which makes it have advantages that other financial products do not have. At present, this kind of product has not been introduced in our country, but with the development of economy and society and the improvement of insurance consciousness of the majority of residents, the demand for life insurance trust products has begun to emerge. In order to launch life insurance trust products smoothly, it is necessary to understand life insurance trust products in many aspects. In the first part, starting from the basic theory of trust system, this paper introduces in detail the meaning, origin and classification of life insurance trust, and focuses on comparing the similarities and differences between the two concepts of "insurance trust" and "insurance trust". The insurance trust is compared with similar insurance products. The second part of the article discusses the necessity and feasibility of introducing life insurance trust products in our country, and expounds in detail whether we need life insurance trust products and whether we can launch life insurance trust products. Through macro and micro analysis, China has the feasibility of launching life insurance trust products, and life insurance trust products are of great benefit to insurance industry, trust industry and consumers. The third part of the article makes a comparative study of life insurance trust in major countries and regions at home and abroad. By comparing the trust parties and operation modes of life insurance trust in the United States, Japan, Britain and Taiwan, it plays an enlightening role in the design of life insurance trust in China. On the basis of the above, the fourth part of the article designs the operation mode, management mode, trust contract and so on of the life insurance trust in our country. At the same time, this part also discusses the possible problems in the introduction of life insurance trust products from the macro environment to the micro subject, and gives some suggestions to solve these problems.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.49


本文編號：2480157