【摘要】：投資型保險(xiǎn)可溯源至20世紀(jì)50年代的歐洲,并迅速發(fā)展為占據(jù)人壽保險(xiǎn)市場主流的保險(xiǎn)產(chǎn)品。作為人壽保險(xiǎn)的創(chuàng)新性產(chǎn)品,投資型保險(xiǎn)將投資的選擇權(quán)和風(fēng)險(xiǎn)轉(zhuǎn)嫁給顧客,由顧客對保險(xiǎn)公司的投資盈虧承擔(dān)風(fēng)險(xiǎn)。在電子商務(wù)的環(huán)境下,投資型保險(xiǎn)發(fā)展更為迅猛,市場上充盈著各類型的投資型保險(xiǎn),而相應(yīng)的法律規(guī)范卻有些滯后于形勢的發(fā)展,亟須加以完善之。本文以“阿里娛樂寶”的實(shí)例引入,在對投資型保險(xiǎn)、電子商務(wù)、監(jiān)管法律制度的基礎(chǔ)性問題各自梳理后,結(jié)合我國當(dāng)前監(jiān)管中存在的問題和域外的監(jiān)管經(jīng)驗(yàn),提出了一系列提升監(jiān)管水平的措施。包括確立電子商務(wù)環(huán)境下投資型保險(xiǎn)監(jiān)管的基本原則;整理監(jiān)管法律規(guī)范,提升法律層級,完善立法體系;增加監(jiān)管責(zé)任主體,多方位監(jiān)管,完善監(jiān)管的手段和方式;明確電子商務(wù)環(huán)境下投資型保險(xiǎn)法律屬性,強(qiáng)化監(jiān)管手段;明確投資型保險(xiǎn)相關(guān)主體市場行為的具體監(jiān)管標(biāo)準(zhǔn),對具體制度的構(gòu)建提出了一些建議。本文共分為六章:第一章,實(shí)例及其評析�！鞍⒗飱蕵穼殹奔捌湟龅姆蓡栴},本部分主要圍繞阿里娛樂寶這一創(chuàng)新型金融產(chǎn)品,分析了其性質(zhì),提出其與眾籌的差別,研究了娛樂寶中存在的法律關(guān)系,并在此基礎(chǔ)上討論了娛樂寶所引發(fā)的一系列法律問題。本章對于“娛樂寶”性質(zhì)的梳理屬于本文的一大創(chuàng)新點(diǎn),第二章,電子商務(wù)、投資型保險(xiǎn)與投資型保險(xiǎn)監(jiān)管法律制度。本部分從娛樂寶的維度鏈接到投資型保險(xiǎn)、電子商務(wù)、投資型保險(xiǎn)監(jiān)管法律制度三個核心關(guān)鍵詞,首先對電子商務(wù)的內(nèi)涵進(jìn)行界定,包括其概念及類型;然后對投資型保險(xiǎn)的定義、法律屬性、主要類型等基本問題進(jìn)行了闡釋,旨在為全文展開奠定理論和邏輯基礎(chǔ),其中對于投資型保險(xiǎn)的法律屬性分析屬于本文的創(chuàng)新點(diǎn)之一,然后簡要介紹了電子商務(wù)環(huán)境下的投資型保險(xiǎn)經(jīng)營平臺的類型;之后是對投資型保險(xiǎn)監(jiān)管法律制度的解讀,包括其涵義、主要內(nèi)容及意義。第三章選取部分域外國家或地區(qū),對其相關(guān)監(jiān)管經(jīng)驗(yàn)進(jìn)行考察,提煉出了域外對電子商務(wù)環(huán)境下開展投資型保險(xiǎn)監(jiān)管及其完善監(jiān)管法律制度的經(jīng)驗(yàn)及啟示。第四章從當(dāng)前我國投資型保險(xiǎn)的法律監(jiān)管現(xiàn)狀出發(fā),指出我國投資型保險(xiǎn)法律關(guān)系主要由保險(xiǎn)法進(jìn)行調(diào)整,輔之以系列規(guī)章及規(guī)范性文件,并應(yīng)遵守電子商務(wù)法的相關(guān)規(guī)定,然后文章重點(diǎn)探討了監(jiān)管中存在的一些不足,為后文討論我國投資型保險(xiǎn)監(jiān)管法律制度的完善措施提供實(shí)踐基礎(chǔ)。第五章對我國電子商務(wù)環(huán)境下投資型保險(xiǎn)監(jiān)管法律制度進(jìn)一步完善的思考,在前文所提出問題的基礎(chǔ)上提出相應(yīng)解決措施,包括確立電子商務(wù)環(huán)境下投資型保險(xiǎn)監(jiān)管的基本原則,并在借鑒和反思的基礎(chǔ)上,對法律層級、監(jiān)管主體、監(jiān)管手段和方式、對相關(guān)市場主體行為監(jiān)管等方面提出了進(jìn)一步完善的方案。第六章對文章作出總結(jié)。
[Abstract]:Investment insurance can be traced back to Europe in the 1950s and developed rapidly into an insurance product that dominates the life insurance market. As an innovative product of life insurance, investment-type insurance transfers the investment option and risk to the customer, and the customer bears the risk to the profit and loss of the insurance company's investment. In the environment of electronic commerce, investment-type insurance develops more rapidly, and the market is filled with various types of investment-type insurance, but the corresponding legal norms lag behind the development of the situation, which should be improved urgently. This article introduces the example of "Ali Entertainment Treasure", after combing the basic problems of investment insurance, electronic commerce and supervision legal system, combining the problems existing in the current supervision and the overseas supervision experience of our country. Put forward a series of measures to improve the level of supervision. It includes establishing the basic principles of investment insurance supervision under the environment of electronic commerce, sorting out the legal norms of supervision, upgrading the legal hierarchy, perfecting the legislative system, increasing the subject of supervisory responsibility, supervising in all directions, and perfecting the means and methods of supervision. This paper clarifies the legal attributes of investment-type insurance under the environment of electronic commerce, strengthens the means of supervision, clarifies the specific supervision standards of the market behavior of investment-type insurance related subjects, and puts forward some suggestions for the construction of specific systems. This paper is divided into six chapters: the first chapter, examples and their evaluation. "Ali Entertainment Treasure" and its legal problems, this part mainly revolves around Ali Entertainment Bao, an innovative financial product, analyzes its nature, puts forward the difference between it and crowdfunding, and studies the legal relationship in entertainment treasure. On this basis, a series of legal problems caused by entertainment treasure are discussed. This chapter combs the nature of "entertainment treasure" is a major innovation of this article, chapter two, electronic commerce, investment insurance and investment insurance regulatory legal system. This part from the entertainment treasure dimension links to the investment type insurance, the electronic commerce, the investment type insurance supervision legal system three core keywords, first carries on the definition to the electronic commerce connotation, including its concept and the type; Then the definition, legal attribute and main types of investment-type insurance are explained in order to lay a theoretical and logical foundation for the full text, in which the analysis of the legal attributes of investment-type insurance belongs to one of the innovative points of this paper. Then it briefly introduces the types of investment insurance management platform under the environment of electronic commerce, and then explains the legal system of investment insurance supervision, including its meaning, main content and significance. The third chapter selects some foreign countries or regions to investigate their relevant regulatory experience, and extracts the experience and enlightenment of overseas investment insurance supervision and the improvement of regulatory legal system under the environment of electronic commerce. The fourth chapter points out that the legal relationship of investment-type insurance in our country is mainly regulated by insurance law, supplemented by a series of regulations and normative documents, and should abide by the relevant provisions of e-commerce law. Then the paper focuses on some deficiencies in supervision, which provides a practical basis for the discussion of the legal system of investment insurance supervision in China. In the fifth chapter, the author thinks about the further perfection of the legal system of investment insurance supervision in the electronic commerce environment of our country, and puts forward the corresponding solution measures on the basis of the problems raised above. Including the establishment of the basic principles of investment insurance supervision under the environment of electronic commerce, and on the basis of reference and reflection, the legal hierarchy, the main body of supervision, the means and methods of supervision, Put forward the further perfect plan to the related market main body behavior supervision and so on. Chapter six summarizes the article.
【學(xué)位授予單位】：重慶大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：D922.284

【相似文獻(xiàn)】

相關(guān)期刊論文 前6條

1 ;買投資型保險(xiǎn)應(yīng)防三誤區(qū)[J];中國工會財(cái)會;2012年01期

2 郭靂;;投資型保險(xiǎn)及其法律問題[J];金融法苑;2001年04期

3 ;三種投資型保險(xiǎn)哪個更好[J];中國工會財(cái)會;2012年01期

4 張曉波;;加息后四大理財(cái)攻防對策[J];中國工會財(cái)會;2006年11期

5 ;簡單就是理財(cái)[J];中國工會財(cái)會;2007年09期

6 ;[J];;年期

相關(guān)會議論文 前2條

1 齊鳳嬌;;我國投資型保險(xiǎn)現(xiàn)狀分析[A];山東省保險(xiǎn)學(xué)會2010年“轉(zhuǎn)變發(fā)展方式·促進(jìn)保險(xiǎn)強(qiáng)省建設(shè)”征文頒獎儀式暨保險(xiǎn)學(xué)術(shù)報(bào)告會論文集[C];2011年

2 管貽升;程丹;;中國投資型家庭財(cái)產(chǎn)保險(xiǎn)產(chǎn)品保障程度分析[A];中國保險(xiǎn)學(xué)會首屆學(xué)術(shù)年會論文集[C];2009年

相關(guān)重要報(bào)紙文章 前10條

1 陳國力;投資型保險(xiǎn)健康發(fā)展面臨三大挑戰(zhàn)[N];中國保險(xiǎn)報(bào);2007年

2 薄志紅　郭志遠(yuǎn);購買投資型保險(xiǎn)需避免三大誤區(qū)[N];中國證券報(bào);2008年

3 李保華;購買投資型保險(xiǎn)產(chǎn)品有妙招[N];中國財(cái)經(jīng)報(bào);2009年

4 劉智偉;對投資型保險(xiǎn)的幾種認(rèn)識誤區(qū)[N];中國保險(xiǎn)報(bào);2001年

5 薄志紅　張慧蓉;購?fù)顿Y型保險(xiǎn)需摒棄四大錯誤認(rèn)識[N];中國保險(xiǎn)報(bào);2010年

6 記者 辛紅;投資型保險(xiǎn)產(chǎn)品不得在農(nóng)村銷售[N];法制日報(bào);2012年

7 薄志紅;巧買投資型保險(xiǎn)智取最佳“利益”[N];中國保險(xiǎn)報(bào);2013年

8 薄志紅;投保投資型保險(xiǎn)注意四點(diǎn)[N];中國保險(xiǎn)報(bào);2013年

9 江帆;靠投資型保險(xiǎn)“搶”市場不可取[N];經(jīng)濟(jì)日報(bào);2013年

10 本報(bào)記者 張桔;投資型保險(xiǎn)：保障增值兩不誤的選擇[N];中國建材報(bào);2005年

相關(guān)博士學(xué)位論文 前2條

1 吳志軍;非壽險(xiǎn)投資型產(chǎn)品的經(jīng)營研究[D];武漢大學(xué);2009年

2 畢泗鋒;金融資產(chǎn)組合中的投資型壽險(xiǎn)需求：連續(xù)時間動態(tài)模型分析[D];山東大學(xué);2010年

相關(guān)碩士學(xué)位論文 前10條

1 鄒卉;投資型保險(xiǎn)產(chǎn)品的設(shè)計(jì)與定價(jià)策略研究[D];廈門大學(xué);2006年

2 張益瑋;電子商務(wù)環(huán)境下投資型保險(xiǎn)監(jiān)管法律制度研究[D];重慶大學(xué);2016年

3 耿青海;投資型保險(xiǎn)在個人理財(cái)中的作用研究[D];同濟(jì)大學(xué);2007年

4 李健煒;我國投資型保險(xiǎn)的發(fā)展問題研究[D];湖南農(nóng)業(yè)大學(xué);2012年

5 董德賢;投資型保險(xiǎn)之法律研究[D];外交學(xué)院;2011年

6 高玲;借鑒西方國家經(jīng)驗(yàn)發(fā)展我國投資型壽險(xiǎn)[D];對外經(jīng)濟(jì)貿(mào)易大學(xué);2002年

7 廖臣民;非壽險(xiǎn)投資型產(chǎn)品財(cái)務(wù)管理研究[D];西南財(cái)經(jīng)大學(xué);2010年

8 吳迪;我國投資型保險(xiǎn)之投資利益保護(hù)問題研究[D];華中科技大學(xué);2011年

9 陳麗娟;投資型產(chǎn)險(xiǎn)保單質(zhì)押制度的完善[D];中國政法大學(xué);2008年

10 何石秀;風(fēng)險(xiǎn)價(jià)值理論及其在投資型壽險(xiǎn)中的應(yīng)用[D];西南財(cái)經(jīng)大學(xué);2011年

，

本文編號：2236712