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保单贴现起源于上世纪80年代后期,当时美国一些非营利组织资助艾滋病人进行治疗,为了回报这些非营利组织的付出,很多受资助的艾滋病患者把这些组织作为自己寿险保单的受益人。随着这一模式的发展,现在很多慢性病患者的寿险保单也可以贴现保单。在保单贴现的过程中,寿险保单的所有者可以通过将其保单投放到市场,把收益权转让给投资方,获取较高的贴现收益,该收益高于正常退休获得的收益以及死亡所获得的给付金。贴现过程围绕着保单的收益权,涉及保单贴现人、提供方、投资方三方主体。本文从我国已有法规和现实需要,对于贴现过程的核心问题,即收益权的转让和相关法律关系进行研究,探究保单贴现制度在我国的构建。
Policy discounts originated in the late 1980s when some non-profit organizations in the United States funded AIDS patients for treatment. In return for these non-profit organizations’ efforts, many funded AIDS patients use these organizations as beneficiaries of their life insurance policies. With the development of this model, many life insurance policies for chronic diseases can now also discount policies. In the policy discounting process, the owner of a life insurance policy can obtain a higher discount return by placing its policy on the market and transferring the proceeds to the investor, which is higher than the gain from normal retirement and the death penalty Give money. The discounting process revolves around the policy of the proceeds of the policy, involving the policy discounter, the provider and the investor. Based on the existing laws and regulations in our country, this paper studies the core issues of the discounting process, namely, the transfer of the right of income and the related legal relationship, and explores the construction of the policy discount system in our country.