【摘要】 保险金信托作为一种创新性的理财产品,结合保险和信托的制度优势,降低了投资风险,丰富了投资者的选择,拓宽了金融机构的业务渠道,为我国金融市场的发展注入了新鲜的血液。鉴于其作为一种新的金融创新产品,法律地位尚不明确,监管机构未跟进,操作模式尚未进行规范,致使投资者依然处于观望状态,给保险金信托的发展造成了负面影响。本文通过对现有市场上的保险金信托进行法律解构,分析其相应的法律关系及法律风险,并从多个角度提出可能的改进路径。更多还原

【Abstract】 As an innovative financial product,combining with the institutional advantages of insurance and trust,insurance trust reduces the risk of investment,enriches the choice of investors,broadens the business channels of financial institutions and injects fresh vigor into China’s financial market.But as a new financial product,its legal status is not yet clear,the regulatory authorities have not followed up and the operation mode has not been regulated. As a result, investors are still in a wait-and-see situation, which has negatively affected the development of the insurance trust.Through the deconstruction of the existing insurance trust of the existing market, the paper analyzes its corresponding legal relationship and legal risk,and put forward the possible improvement measures from many angles in order to contribute to the healthy development ofinsurance trust.更多还原