分业经营模式下人寿保险信托产品的发展途径  

Paths of Developing Trust Products of Life Insurance under the Mode of Separated Operation

作　　者：管延芳[1] 

机构地区：[1]吉林师范大学经济学院,吉林四平136000

出　　处：《长春大学学报》2016年第5期32-36,共5页Journal of Changchun University

摘　　要：在分业经营模式下,人寿保险信托产品作为一种保险和信托组合的新产品悄然出现。从信托财产的角度分析了人寿保险信托产品的递进性及其共赢模式,针对人寿保险信托产品发展中存在的法律空白、兑付危机、教育短板、监管分立等问题,提出了制定并完善相关法律法规、提高信托机构内控水平、宣扬信托理念、调整监管体系等发展途径。Under the mode of separate operation,trust products of life insurance as a kind of new products with combination of insurance and trust emerge quietly. This paper analyzes the progressive nature and the win-win model of trust products of life insurance from the angle of trust property,in view of problems existing in its development such as legal gaps,payment crisis,educational short board and separated supervision,it gives ways of improving regulatory,enhancing the internal control level of trust institution,advocating the concept of trust and adjusting regulatory system.

关 键 词：分业经营 人寿保险信托 发展途径 

分 类 号：F830.8[经济管理—金融学]