Research On Legal Issues Of Insurance Asset Transactions

Insurance assets by asset securitization transaction is the insurance assets management institutions developed securitised products available for trading,risk transfer of realization of insurance assets value at the same time.Insurance assets transaction smoothly to insurance company compensate pays duty,promote the insurance industry market competition ability,promote national economic transition span development.In insurance assets transaction process,involving many legal problems,such as:first,the insurance asset trading main body and the conditions were determined,of expanding the range of insurance asset management department to let the body of the insurance assets transaction competition into chaos,to a certain extent.Insurance assets register trading platform positioning is not clear,unable to properly to trade;Second,the insurance assets securitization law set unreasonable,prone to the wrong case applicable law;Third,insurance asset trading regulations lag,failed to keep pace with The Times,restrict the development of insurance assets transaction,etc.Therefore,the author thinks that,first of all need to clear the relationship between the assets management organization,clear insurance trading platform positioning,guarantee insurance asset trading main body's legal eligibility;Secondly perfect insurance securitization law of insurance assets transaction related law at the same time,to ensure that the premise of insurance assets transaction and transaction process are within the scope of legal regulation;The last is to encourage innovation in the regulatory reform and to perfect the system of insurance asset management regulation.Hope that through these measures can solve the problems of insurance assets transactions,ensure the transaction smoothly,promote the development of the insurance industry,promote the economic prosperity of China.