保险金信托受托人的法律地位探析  

Research on the Legal Status of the Trustee of Insurance Fund Trust

作　　者：刘杰勇 LIU Jie-yong(Law School of Peking University, Beijing 100871, China)

机构地区：[1]北京大学法学院,北京100871

出　　处：《时代法学》2022年第2期63-71,共9页Presentday Law Science

基　　金：国家社科基金青年项目“宏观调控主体法律责任体系构建研究”(项目批准号:20CFX055)的阶段性成果。

摘　　要：保险金信托作为保险与信托相结合的新型财富管理工具,因具备合理避税、风险隔离、保护保险受益人权益等功能而备受推崇。然而,我国保险金信托受托人身兼投保人与保险受益人双重身份,法律地位模糊,导致保险金信托的发展与运作受阻。明晰受托人的法律地位需在厘清规范适用问题的基础上,明确受托人的适格性,明晰受托人的保险法地位。需注意的是,受托人的保险法权利以保险金请求权为主,保险法义务则是以最大诚信义务为主的受信义务,保险法责任源于违反约定义务与法定义务,以及滥用多重身份所赋予之权利,责任的承担不因信托条款授权而免责。As a new wealth management tool combining insurance and trust,insurance trust is highly respected because of its functions of reasonable tax avoidance,risk isolation and protecting the rights and interests of insurance beneficiaries.However,the trustee of insurance fund trust in China has the dual identity of applicant and insurance beneficiary,and the legal status is vague,which hinders the development and operation of insurance fund trust.To clarify the legal status of the trustee,we need to clarify the eligibility of the trustee and the orientation of the trustee's Insurance Law on the basis of clarifying the application of norms.It should be noted that the trustee's insurance law rights are mainly the right to claim insurance benefits,while the insurance law obligations are the fiduciary obligations mainly based on the obligation of utmost good faith.The insurance law liability originates from the violation of agreed obligations and legal obligations,as well as the abuse of the rights conferred by multiple identities.The liability is not exempted due to the authorization of the trust terms.

关 键 词：保险金信托 适格性 法律地位 规范适用 

分 类 号：DF522[政治法律—民商法学]