本文關(guān)鍵詞： 人壽保險(xiǎn)信托 保險(xiǎn)金請(qǐng)求權(quán) 信托財(cái)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(xiǎn)因其分散風(fēng)險(xiǎn)、保障危險(xiǎn)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(gè)相對(duì)較為年輕的金融行業(yè)，其靈活、高效的投資理財(cái)能力也逐漸受到廣泛的關(guān)注。人壽保險(xiǎn)信托作為一種保險(xiǎn)業(yè)和信托業(yè)結(jié)合的產(chǎn)物，在西方發(fā)達(dá)國(guó)家已經(jīng)具有十分成熟的規(guī)模，但在我國(guó)，由于混業(yè)經(jīng)營(yíng)的限制，以及保險(xiǎn)業(yè)與信托業(yè)起步與發(fā)展相對(duì)較為緩慢，人壽保險(xiǎn)信托在我國(guó)仍然處于萌芽狀態(tài)。筆者將在本文中分六個(gè)章節(jié)，對(duì)人壽保險(xiǎn)信托制度以及其在我國(guó)發(fā)展的問(wèn)題做詳細(xì)闡述。 第一章，筆者對(duì)人壽保險(xiǎn)信托進(jìn)行了初步的介紹。從壽險(xiǎn)信托的定義入手，并且就人壽保險(xiǎn)信托及人壽保險(xiǎn)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(xiǎn)信托對(duì)各方當(dāng)事人的意義、功能及在我國(guó)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(guó)內(nèi)外人壽保險(xiǎn)信托的起源、發(fā)展與現(xiàn)狀著手，分別介紹了美國(guó)、英國(guó)、日本、臺(tái)灣等國(guó)家和地區(qū)壽險(xiǎn)信托業(yè)務(wù)的發(fā)展情況以及對(duì)其優(yōu)缺點(diǎn)進(jìn)行分析。并且就以上幾個(gè)國(guó)家和地區(qū)的人壽保險(xiǎn)信托進(jìn)行比較分析，以期可以得出我國(guó)能夠借鑒之處。 本文的第三章，筆者著力于從我國(guó)現(xiàn)有理論研究的角度，對(duì)兩類人壽保險(xiǎn)信托進(jìn)行法律性質(zhì)分析，優(yōu)劣對(duì)比，尋求合適在國(guó)內(nèi)發(fā)展人壽保險(xiǎn)信托的種類。筆者從內(nèi)部與外部?jī)煞矫娣治鋈藟郾ｋU(xiǎn)信托在我國(guó)推行的可行性。從行業(yè)關(guān)系、市場(chǎng)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(xiǎn)信托能夠在我國(guó)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(xiǎn)信托在各國(guó)及地區(qū)的兩種模式，即“保險(xiǎn)中介”模式以及保險(xiǎn)公司擔(dān)任受托人的模式。然根據(jù)我國(guó)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(guó)推行人壽保險(xiǎn)信托業(yè)務(wù)的道路選擇提出一些自己的意見(jiàn)。 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(guó)意欲推行人壽保險(xiǎn)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(guò)自己的學(xué)習(xí)研究，提出一些可行有效的解決意見(jiàn)，，為人壽保險(xiǎn)信托能夠在我國(guó)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(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：D922.282;D922.284

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