死亡无权统治:生命的归宿与从死亡中获利的伦理

IF 2.2 3区经济学 Q2 BUSINESS, FINANCE

European Journal of Finance Pub Date : 2009-02-16 DOI:10.2139/SSRN.1344332

D. Blake, D. Harrison

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引用次数: 21

摘要

2008年7月7日，星期一发表了《死亡无权统治:生命的解决方案和从死亡中获利的伦理》。该报告是对投资美国寿险保单(也被称为交易寿险保单或tlp)的道德规范进行的首个主要独立研究。报告分析了二级市场对希望出售保单的投保人和寻求分散风险的投资者的潜在好处，但也对目前市场监管的不一致性提出了担忧。它的结论是，如果产品和流程对所有各方(包括原始保单持有人和最终投资者)完全透明，并确保保单持有人的隐私得到保护，那么投资这一资产类别似乎不存在将其与同样基于死亡率预测的成熟养老金和寿险市场投资区分开来的特定道德问题。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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And Death Shall Have No Dominion: Life Settlements and the Ethic of Profiting from Mortality

"And death shall have no dominion: Life settlements and the ethics of profiting from mortality" was published on Monday 7 July 2008. The report is the first major independent study of the ethics of investing in US life settlements (also known as traded life policies or TLPs). It analyses the potential benefits of this secondary market for policyholders wishing to sell and for investors seeking to diversify risk but it also raises concerns over current inconsistencies in the regulation of the market. It concludes that there would appear to be no particular ethical issues associated with investing in this asset class that distinguish it from well-established pensions and life market investments, which are also based on mortality projections, provided that products and processes are fully transparent to all parties, including the original policyholder and the end investor, and provided that the privacy of the policyholder is safeguarded.

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来源期刊

European Journal of Finance BUSINESS, FINANCE-

CiteScore

5.40

自引率

8.00%

发文量

期刊介绍： The European Journal of Finance publishes a full range of research into theoretical and empirical topics in finance. The emphasis is on issues that reflect European interests and concerns. The journal aims to publish work that is motivated by significant issues in the theory or practice of finance. The journal promotes communication between finance academics and practitioners by providing a vehicle for the publication of research into European issues, stimulating research in finance within Europe, encouraging the international exchange of ideas, theories and the practical application of methodologies and playing a positive role in the development of the infrastructure for finance research.