发达国家寿险次级市场的发展现状、比较及启示

The Secondary Market for Life Insurance in Developed Countries:Current Situation,Comparison and Enlightenment

寿险次级市场能够提高保险消费者的福利,促进整个保险业的发展。介绍发达国家寿险次级市场的发展概况,着重分析最早的寿险次级市场即英国市场、相对年轻的德国寿险次级市场以及规模最大的美国寿险次级市场,并对上述市场的目标保单、交易方式、监管规则、税收政策等进行比较和研究。在此基础上,明确提出中国应借鉴发达国家的经验,正确认识寿险次级市场的影响,从寿险初级市场规模、法律许可、中介机构、保险监管等方面为寿险次级市场的建立创造条件,并科学地进行寿险保单贴现交易的试点。

The secondary market for life insurance can enhance consumer welfare gains and promote the development of insurance industry. This paper introduced the development of life insurance secondary market in developed countries,fo- cnsing on the analysis of the oldest secondary market in the United Kingdom,the relatively young market in Germany and the largest market in America. It made a comparative study on the target policy,transaction mode,regulatory rule and tax policy of these three markets. The author proposed that China should draw on the experiences of developed countries, correctly understand the impacts of the secondary market for life insurance,proactively create conditions for the establishment of this market and experiment with life insurance policy settlement transactions.