保单持有人与公司治理研究——基于人身保险公司分析  

A Research on the Policyholder and the Corporate Governance—Based on the Analysis of the Life Insurance Company

作　　者：方国春[1] 

机构地区：[1]西南财经大学法学院,四川成都610074

出　　处：《保险研究》2014年第4期51-62,共12页Insurance Studies

摘　　要：根据保险合同的不同,法律对保单持有人的权利,有着不同的规定;将保单持有人视为消费者,混淆了保单持有人与普通消费者的本质区别,弱化了保单持有人的价值,忽视了保单持有人应有的权利;保单持有人是保险公司运营资本的提供者,分担了保险公司的经营风险、分享了保险公司的经营利润,具有参与保险公司治理的资格;保单持有人参与股份保险公司治理具有现实可能性和重要意义。According to different insurance contract, the law on the rights of the policyholder has different rules. To allege the policyholder being a consumer confuses the essential difference between the policyholder and the regular consumer, weakens the value of the policyholder, and ignores the due rights of the policyholder. As the provider of the insurance company＇ s working capital, the policyholder shares with the risk and the profit of the insurance company, and should be entitled to participate in the insurance company＇ s governance. It is both possible and significant for the policyholder to participate in the shareholding insurance company＇ s governance.

关 键 词：保单持有人 人身保险 公司治理 

分 类 号：F840[经济管理—保险]