摘要
近年来,我国高净值人群增长迅速,产生了人身保障、财产保全、传承和增值的需求,高净值客户在财富传承中面临一定的风险,规避此类风险需要运用多项金融工具,而人寿保险金信托则是其中最有效、最安全的工具之一。本文对保险金信托基本原理进行了阐述,总结了保险金信托的发展历史及海外常见模式,并对保险金信托在我国发展的现状及问题进行了详尽的探讨,最后本文对我国保险金信托业务进行了展望,并提出了发展建议。
In recent years, China's high-net-worth individuals have grown rapidly, generating the demand of personal security and the need for property preservation, inheritance and value-added. In particular, high- net-worth customers face risks in the inheritance of wealth. To avoid such risks, a number of financial instruments are needed, and life insurance trust is one of the most effective and safe tools. This paper expounds the basic principles of insurance trust, summarizes the development history of insurance trust and common overseas models, and discusses the status quo and problems of insurance trust development in China. Finally, the prospect of the insurance trust in our country is proposed and some suggestions for development are put forward in the paper.
作者
邢亚楠
李娜
Xing Yanan;Lina
出处
《保险职业学院学报》
2019年第4期11-13,共3页
Journal of Insurance Professional College
关键词
保险金信托
发展现状
模式
Insurance trust
Status of development
Model
