投资型保险契约无效时之保险费返还与缔约上过失责任——台湾地区“高等法院高雄分院”2012年上易字第255号民事判决评释

在台湾地区,保险契约存在无效事由者,保险人原应依台湾地区“民法”第179条不当得利规定,返还全部保险费.但投资型保险契约兼有保险与投资的双重性质,部分保险费乃依要保人指定用于投资部分.若要保人投资失利,致保单账户价值低于所缴保费,此时其主张保险契约无效,要求保险人全部返还保费,显有不合理之处.本文所评释之台湾地区“高等法院高雄分院”2012年度上易字第255号民事判决,保险契约因欠缺被保险人书面同意而无效,法院一方面允许要保人请求返还全部保险费,同时又认为要保人应负缔约上过失责任,以资平衡.实际上,投资型保险契约无效时,法院得类推适用“保险法”第107条或相关契约条款,使保险人仅负返还保单账户价值之责.至于可能产生的缔约上过失责任,其内容亦将因前述返还范围的不同看法而有所差异.     

IDENTIFYING THE CHARACTER OF THE SEPARATE ACCOUNT OF THE INVESTMENT-LINKED INSURANCE PRODUCTS IN CHINA FROM THEORETICAL AND COMPARATIVE LAW PERSPECTIVES--A PERMANENT SOLUTION FOR ISSUES OF PRESENT LAWS AND REGULATIONS REGARDING THE ADMINISTRATION OF SUCH PRODUCTS

A brand new life insurance product, which is known as investment- linked insurance （ILl）, was first introduced in China in 2000 by the China Ping, an insurance company in Shanghai after the ILl was approved by the China Insurance Regulatory Commission （CIRC）. Due to the reduction of the interest rate on ordinary term deposits that began in 2000, ILI products spread quickly nationwide over a two-to-three year period. ILIs became popular with insurers, because they shift asset management risks to the insured and provide relief for the reverse spread problem facing the insurance companies. They became popular with insureds, because they offer an alternative to investments with a potentially higher yield. Although the market share of investment-linked insurance products in China has been noticeably increasing, laws and regulations regarding the administration of the ILI did not seem to correspond to the rapid growth of sales. In addition to the very limited number of articles in insurance law, the only two existing regulations that address the related supervisory issues are the ＂Tentative measures for the Administration of Investment-Linked Insurance＂ announced by the CIRC in 2000, and the ＂Measures Regulating the Information Disclosure of New Types of Insurance Products＂ enacted by the CIRC in 2009. Unfortunately, both Measures are inadequate to resolve complex supervisory problems such as asymmetry of information, suitability, or other standard settings for the conduct of ILl business. This paper argues that the root of their inadequacy lies in the failure of these measures to identify the character of the separate account in each ILl policy and its distinction from the life insurance policy to which it attaches. Without distinguishing the nature of the separate account from traditional ＂insurance ＂, it is virtually impossible to ascertain the category of the contract formed between each policyholder and insurer with respect to each such account and to determine which laws and regulations. On t     

三种类型国家存款保险制度比较借鉴

文章分析发达国家、后发达国家和转轨国家的典型案例,认为国际存款保险机构的法律地位不断加强,职责不断强化;存款保险的范围不断调整,针对性越来越强;强制性存款保险成为普遍趋势;浮动费率制成为普遍的选择.基于以上分析,文章对即将推出的中国存款保险制度提出了一些建议.     

吉林省人民政府关于推进安全产业发展的实施意见

<正>吉政发[2014]3号各市(州)人民政府,长白山管委会,各县(市)人民政府,省政府各厅委办、各直属机构:安全产业是为安全生产、防灾减灾、应急救援等安全保障活动提供专用技术、产品和服务的产业,覆盖三次产业和多个行业领域。为加快培育发展我省安全产业,保障经济安全发展和社会和谐稳定,促进产业结构调整,打造新的经济增长点,现就推进安全产业发展提出如下实施意见:     

新加坡 条款烦琐少人问津

新加坡的“以房养老”也叫“屋契回购计划”。在这一计划下，达到公积金最低存款提取年龄的老件人（现在为63岁），     

6.5亿元“贴心服务”令1500老人中招

家住深圳市碧波花园的林小姐因母亲热衷于购买保健品而颇为无奈。"明明知道这些人是专门骗老人的钱,但就是管不住他们,只要趁我不注意,我妈妈就被她们拉去参加活动,然后买回一堆保健品来。"像林小姐的母亲周女士一样,近3年时间,仅深圳市罗湖区人民法院统计,在涉案金额达6.5亿元的非法吸收公众存款、集资诈骗等非法集资类案件中,有1500多名老     

支农 发展——记陕西镇安农村商业银行

镇安县是一个"九山半水半分田"的山区县,山大沟深、交通不便是镇安的县域经济一直欠发达的主要原因,28万人口散居在山山峁峁之间。多少年来,镇安信合人就是在这艰苦的条件下为当地的"三农"提供着最便利的金融服务。至2013年6月末,镇安信合各项存款余额达30.4亿元,与2003年统一法人时相比,十年时间存款增长27.1亿元,增长821%;贷款余额为17.5亿元,比2003年增长了15.2亿元,增长660%;经营利润2393.53万元,比2003年增长了2082.8万元,增长670%。累缴各种税金3085万元。     

惩腐

重庆一银行高管潜逃境外14年后落网 潜逃境外长达14年之久的重大经济犯罪嫌疑人余国蓉在泰国被成功抓获，并被押解回国。这是我国公安机关通过国际执法合作持续打击外逃重大经济犯罪嫌疑人取得的又一重大战果。余国蓉自1989年3月至1998年10月担任重庆某银行支行行长期间，涉嫌非法吸收公众存款、违法发放贷款和非法出具金融票证等犯罪，涉案金额达28亿元。     

问题银行重组相关法律问题研究

2008年的金融危机引发了人们对银行危机处置制度的高度关注,各国和各国际组织纷纷研究银行危机处置制度的经验和教训,对问题银行的重组再次成为重要问题.20世纪以来,美国形成了一套对问题银行重组的相关规定和实践.通过对美国问题银行重组制度的探讨,可以对今后我国的问题银行重组的框架提供有益的借鉴.     

声音

<正>1现在中国没有真正的银行家,银行家都成了收费家。因为银行已变成了高速公路,把存款和贷款两头堵上,钱只要从银行一经过,银行就坐地收费。按这种模式,即使让银行的行长们回家睡觉,把一只小狗放在行长座椅上坐着,银行照样赚钱。—姚景源原国家统计局总经济师姚景源痛批银行暴利。孩子,我没事,我有医保,你赶紧上班去吧。—60岁的沈阳大爷王福顺被电动车撞倒后,在根本没有医保的情况下如此为撞人者解围。2