發(fā)布時間：2018-11-05 10:16

【摘要】：人壽保險信托問題在國內(nèi)還屬于一個嶄新的研究領(lǐng)域,我國人壽保險信托法律制度還未真正發(fā)展起來,對人壽保險信托本身的含義也還沒有一個相對明確的界定。一般認為,人壽保險信托是指委托人以保險金請求權(quán)為信托財產(chǎn)與受托人訂立信托,并將保險金請求權(quán)移轉(zhuǎn)予受托人,由受托人依照信托合同的約定為受益人的利益或特定目的管理和收益信托財產(chǎn)。目前,國外人壽保險信托制度相當發(fā)達,尤其是以美國為代表的不可撤銷型人壽保險信托,不僅具有先進的理論做支持,更有豐富的實踐經(jīng)驗做證明。 基于我國社會經(jīng)濟發(fā)展水平及具體相關(guān)法律制度與美、日等地存在很大的差異,所以在借鑒上應(yīng)特別注意其適用的模式及范圍。因此,文章共分成四個部分來具體論述人壽保險信托制度的法律問題： 第一部分是人壽保險信托的一般理論,主要以界定人壽保險信托的概念及性質(zhì)為主,并在此基礎(chǔ)上探討人壽保險信托的類型及與相關(guān)概念的比較。 第二部分是域外人壽保險信托法律制度的借鑒,筆者采用比較法學的研究方法,選取美國、日本及我國臺灣地區(qū)的人壽保險信托法律制度,分析他們的經(jīng)營模式與監(jiān)管體制,以此探尋我國建立人壽保險信托制度的發(fā)展模式及方向,并對此提出一些可以借鑒美、日及臺灣地區(qū)在人壽保險信托制度方面值得借鑒的先進經(jīng)驗。 第三部分是我國引入人壽保險信托制度的必要性和可行性,筆者分別分析了我國發(fā)展人壽保險信托制度的必要性與可行性,以證明我國應(yīng)當建立人壽保險信托法律制度。 第四部分是我國人壽保險信托法律制度的構(gòu)建,筆者從具體法律制度與社會現(xiàn)實發(fā)展的角度出發(fā),對我國如何適用人壽保險信托制度提出一些具體的可操作性建議。
[Abstract]:Life insurance trust is still a new research field in China. The legal system of life insurance trust has not really developed in China, and the meaning of life insurance trust itself has not been defined clearly. It is generally believed that a life insurance trust means that the principal enters into a trust with the trustee for the trust property with the right of claim for the insurance premium and transfers the claim for the insurance money to the trustee. The trustee shall administer and receive the trust property for the benefit of the beneficiary or for a specific purpose as agreed in the trust contract. At present, the foreign life insurance trust system is quite developed, especially the irrevocable life insurance trust represented by the United States, which not only has advanced theory to support, but also has rich practical experience to prove it. Because there are great differences between China's social and economic development level and the specific relevant legal system, such as the United States, Japan and other places, we should pay special attention to its applicable mode and scope in reference. Therefore, the article is divided into four parts to discuss the legal problems of life insurance trust system: the first part is the general theory of life insurance trust, mainly to define the concept and nature of life insurance trust. On this basis, the types of life insurance trust and the comparison with related concepts are discussed. The second part is the reference of the extraterritorial life insurance trust legal system. The author adopts the comparative law research method, selects the life insurance trust legal system of the United States, Japan and Taiwan area of our country, analyzes their management mode and supervision system. In order to explore the development mode and direction of establishing life insurance trust system in our country, this paper puts forward some advanced experiences in life insurance trust system of the United States, Japan and Taiwan that can be used for reference. The third part is the necessity and feasibility of introducing the life insurance trust system into our country. The author analyzes the necessity and feasibility of developing the life insurance trust system in China, in order to prove that our country should establish the life insurance trust law system. The fourth part is the construction of the legal system of life insurance trust in our country. From the angle of the specific legal system and the development of social reality, the author puts forward some practical suggestions on how to apply the life insurance trust system in our country.
【學位授予單位】：遼寧大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：D922.284;D922.282

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本文編號：2311753