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在保单贴现市场上,寿险保单持有人可通过转让保单受益权,获得高于退保金、低于死亡给付金的金额,投资者亦可通过投资贴现保单而获利,这就形成了寿险保单转让的二级市场。本文通过介绍国外保单贴现业务及其对市场主体带来的影响,分析该业务在我国发展可能面临的法律困境,探讨开展保单贴现所需具备的法律监管环境,为我国引入保单贴现市场做好法制准备。
In the policy discount market, the life insurance policyholder can obtain the premium above the surrender insurance premium, less than the death benefit payment, and the investor can also benefit from the investment discount policy, which results in the life insurance Secondary transfer of policy. This paper introduces the foreign policy discounted business and its impact on the market main body, analyzes the legal difficulties that the business may face in our country, discusses the legal supervision environment that the insurance policy needs to carry out, and makes legal system for our country to introduce policy discount market ready.