保险公司破产中保单持有人权益保护机制研究  

Research on The Protection Mechanism of Policyholders' Rights and Interests in The Context of Bankruptcy of Insurance Companies

作　　者：胡鹏 

机构地区：[1]华东政法大学研究生教育院,上海200050

出　　处：《税务与经济》2018年第2期26-33,共8页Taxation and Economy

摘　　要：保险公司破产是保险行业资源优化配置、提升整体竞争力的必然要求。但保险公司破产将对众多保单持有人权益产生不利影响,基于风险收益匹配理论,应予优先保护保单持有人权益。保险公司破产程序划分为破产前置程序和司法破产程序,保单持有人权益保护机制的构建也应以此为界分。在破产前置程序中,保单持有人权益保护间接表现为恢复问题保险公司的经营能力,应构建层层递进的监管体系,设置保险保障基金的提前参与程序。在司法破产程序中,着力于完善"保单转让"、"保单救济"和"优先清偿"规则。The bankruptcy of insurance companies is inevitable because of the optimization of the allocation of resources in the insurance industry and the enhancement of the overall competitiveness. However,the bankruptcy of insurance companies will bring the adverse effect on the rights and interests of many policyholders. Based on the theory of the matching of risk and benefit,the rights and interests of policyholders should be given priority.The bankruptcy procedure of insurance company is divided into pre-bankruptcy procedure and judicial bankruptcy procedure. The construction of protection mechanism of policy holders＇ rights and interests should also be defined according to this division. In the pre-bankruptcy procedure,in order to indirectly protect the policyholders＇ rights and interests,it is important to establish a progressive regulatory system and set up a participation procedure beforehand for insurance protection funds so that a troubled insurance company could start to run. In the judicial bankruptcy proceedings,efforts are being made to improve the rules of ＂policy transfer＂,＂policy relief＂and ＂priority settlement＂.

关 键 词：保险公司破产 保单持有人权益保护 风险收益匹配 人寿保险 

分 类 号：F842.4[经济管理—保险] D922.24[政治法律—经济法学]