| 寿险保单贴现业务的发展与思考 |
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| 引用本文： | 陈斌.寿险保单贴现业务的发展与思考[J].保险研究,2009(12). |
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| 作者姓名： | 陈斌 |
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| 作者单位： | 武汉大学经济与管理学院; |
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| 摘 要： | 保单贴现是一种投资者以折扣价买进即将到期的人寿保单,到期获得保险公司给付的保险金,同时解决了绝症患者和老年病患高额医疗费的需要,以及老年人养老费用的需要,这是一种多赢的投资工具,在国外发达国家已经存在多年,并发展越来越快;随着我国金融市场的开放和人们保险意识的加强,发达国家保单贴现业务值得我国借鉴,尽快推出这一创新的保险业务,以满足部分保单持有人提前变现保单的需求。
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| 关 键 词： | 保单贴现 发展趋势 借鉴意义 |
The development of life insurance viatical settlement and relevant reflection |
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| Chen Bin.The development of life insurance viatical settlement and relevant reflection[J].Insurance Studies,2009(12). |
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| Authors: | Chen Bin |
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| Abstract: | A viatical settlement is the sale of a life insurance policy by the owner with a price discounted from the face amount before it matures.It is a win-win investment tool,through which investors get the insurance premium payment when policy matures and the seller an immediate cash settlement to pay extremely high medical expenses and pension cost.Along with the opening up of the financial market and rising public awareness of insurance,it will benefit the policy holders to introduce this innovative insurance ... |
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| Keywords: | viatical settlement development trend feasibility |
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