中国保险金信托的构建思路

A Proposal for the Construction of China’s Insurance Trust

随着中国经济发展步入新常态阶段,保险业和信托业都进入了行业新的发展时期。从2016年开始,我国保险业保费增长放缓;激烈的资产管理业务竞争、叠加监管政策的转向,信托业原有的通道业务也受到了很大的限制。因此回归行业本源,寻找新的增长点,成为行业发展的迫切需要。由于融合了保险与信托各自的优势,且具有税务筹划、专业资产管理、灵活分配、财富传承等众多功能,保险金信托被保险业和信托业寄予厚望,但由于理论研究和实践基础的薄弱,我国保险金信托目前仍未形成可持续的商业发展模式。因此,借鉴国外和其他地区理论和实践经验,有助于我国保险金信托破除发展的禁锢与理论的争议,形成更完善的商业发展模式。

As China’s economic development entering the new normal stage,the insurance industry and the trust industry have entered a new period of industrial development.Since 2016,the premium growth rate of China’s insurance industry has slowed down,and the original channel business of the trust industry has been limited heavily as a result of the fierce competition of wealth management business and the diversion of the overlaid regulatory policies.Therefore,returning to the industry origin and looking for the new growth points have become the urgent need for the development of the industries.With the strength of integrating the advantages of the insurance industry and the trust industry,and because of possessing such functions as tax planning,professional asset management,flexible distribution,wealth inheritance and so on,the insurance trust is placed with great hopes by the insurance industry and the trust industry.However,due to the weak foundation of theoretical researches and practice,China’s insurance trust has not yet formed a sustainable business model at present.Therefore,drawing on the theories and practical experiences from foreign countries and regions is conductive for China’s insurance trust to break the development limits and the theoretical disputes and to form a better business development model.