目录摘要Abstract绪论........................................................-1-一、万能险的基本概述............................................-1-（一）万能险的概念..............................................-1-（二）万能险主要特征............................................-1-二、万能险的产生发展历史........................................-3-（一）万能险的产生与发展........................................-3-（二）万能险在中国的发展及存在的问题。..........................-4-三、万能险的法律性质............................................-5-（一）万能保险的保险属性........................................-5-（二）万能险的信托属性..........................................-5-（三）万能保险的证券属性........................................-6-（四）万能险兼具保险、信托、证券三重属性........................-7-四、我国万能保险的法律规制现状与存在问题........................-9-（一）法律规制的依据层级较低....................................-9-（二）投资账户的保障力度不足....................................-9-（三）监管体制存在断链..........................................-9-五、我国万能保险的法律规制的完善建议...........................-10-（一）加强投资账户的保障力度...................................-10-（二）强化监管措施，提高监管效率...............................-11-（三）完善相应法律体系.........................................-11-结论........................................................-12-参考文献........................................................-1-致谢............................................................-2-万能险法律规制的探讨摘要各界都在注意万科被宝能收购事件尤其是使社会的目光聚焦宝能系资金源——万能险保费。万能险进入公众视野的原因，是从“宝万之争”到停止两种万能保险产品，甚至前海人寿或者交出大额保险的风险，一时之间出现许多关于万能险的负面评论与报道。通过探讨万能保险，并期望通过分析阐述以厘清人们对万能险的种种误解。与传统的保险产品相比万能险存在着本质的区别，它将结合了保险范围和投资收益功能集于一身，其应适用特别的法律规制。先予分析万能险产生的背景、定义和特征，论证其特殊而又复杂的法律属性——保险、信托和证券属性。接着，结合现状揭露我国目前在万能险规制上的不足之处，从而提出加强融资监管，保护投资账户，结合万能险属性实行监管整合等相关建议。关键词：万能险；法律属性；法律规制；完善建议AbstractBaonengbuyvankeshareseventattractedtheattentionofcommunity'svariousaspects,inparticular,thecommunitycanfocusontheBaonengoffundingsource—UniversalLifeInsurancepremium.Butfrom"BaoWanbattle"tolifetotwoinsurancecompanies'slifeinsuranceuniversalproductsaleswerehalted,Qianhailifemayhaveahugeriskofsurrender,Universalinsuranceisagainpushedintothepublicview.foratime,therewerealotofnegativecommentsandreportsontheuniversalinsurance.Inthispaper,throughthediscussionofuniversalinsurance,andthroughtheanalysisandelaboration,toclarifypeople'smisunderstandingofuniversalinsurance.Universalinsurance,asanewtypeofpersonalinsurance,isdifferentfromtraditionalinsurance.Itcombinesthefunctionsofinsuranceguaranteeandinvestmentincome.Accordingly,itshouldapplyspeciallawsandregulations.Thispaperfirstanalyzesthebackground,definitionandcharacteristicsofuniversalinsurance,anddemonstratesitsspecialandcomplicatedlegalattributes-insurance,trustandsecurities.Then,combiningwiththepresentsituation,thispaperrevealstheshortcomingsofChina'suniversalinsuranceregulation,andputsforwardsomesuggestionsforimproveme...
