保险金信托法律问题研究

Study on the Legal Issues of Insurance Trust

保险金信托作为保险和信托相结合的财富管理工具,得到了市场的热烈反响,然其法律制度仍不完善。目前我国市场上存在着保险金信托1.0和2.0两种法律架构,分别对应“先保险后信托”与“先信托后保险”模式。然细究其基本法律关系,会发现其存在主体适格问题、信托财产确定性的争议和权利义务的不可撤销特性。目前保险金信托存在的监管规则不足与法律规则缺失,会影响该金融产品的市场价值与发展前景,应通过明确监管导向、解决法律适格争议、确立不可撤销信托制度、完善市场准入和强化受托人义务等方式,解决重点法律问题,为进一步发展保驾护航。

As a wealth management tool combining insurance and trust,insurance trust has received en⁃thusiastic responses,but its legal system is still imperfect.At present,there are two main legal structures in China's market:insurance trust 1.0 and insurance trust 2.0,which correspond to“insurance before trust”and“trust before insurance”respectively.However,the basic legal relationship of insurance trust reveals its contro⁃versy of subject eligibility,disputes over the certainty of trust property and the irrevocable nature of rights and obligations.The lack of law and regulations will affect the market value and development prospects of the fi⁃nancial products.Therefore,to ensure further development of insurance trust,we should solve key legal prob⁃lems by clarifying regulatory goals,solving legal disputes,establishing an irrevocable trust system and so on.