中国开展寿险信托业务可行性分析

通过分析现阶段中国开展寿险信托的必要性,借鉴国外寿险信托的发展经验,从内部条件和外部环境两个层面探讨了中国现阶段开展寿险信托的可行性,认为外部环境包括经济环境和法律政策环境日趋完善,内部条件包括委托人、信托财产和受托人已初步具备,并指出实践运作寿险信托应注意的问题,从而对中国寿险信托的发展前景作理性的前瞻。

Discussion on feasibility analysis of developing life insurance trust business in China

Through the analysis of the necessity of developing life insurance trust at this stage,learning from the development experience of foreign life insurance trust,the paper discusses the feasibility analysis of developing life insurance trust in China from both the internal conditions and the external environment.The external environment including economic policy environment and legal environment is improving,the internal conditions,including clients,trust property and trustees have preliminarily existed.In the end,the paper points out some problems that should be paid attention to in life insurance trust management and forecasts the development prospect of China's life insurance trust.