保险资产管理（以下简称“保险资管”）是典型的商事活动。保险资管合同贯穿保险资管募、投、管、退各个环节，合同有效是保险资管活动正常开展的前提条件，合同效力瑕疵为保险资管参与方面临的重大法律风险之一。在《民法典》已实施的背景下，本报告结合我国保险资管行业受高度监管的特征，以违反部门规章、规范性文件中强制性规定对保险资管合同效力的影响为突破点，分析《民法典》实施对保险资管合同效力的影响。
Insurance asset management is one kind of typical commercial activities，while the contract plays an important role in the fundraising，investment，management and withdrawal. Therefore，the validity of the contract is the necessary condition to carry out insurance asset management normally and the flaw in the validity of the contract is one of the major legal risks faced by the participants in the investment. In the context of the implementation of the Civil Code，the article analyzed the impact of the Civil Code on the validity of insurance asset management contracts considering the strict regulation of China’s insurance industry，while focusing on the impact of the violation of mandatory provisions in the departmental regulations and regulatory documents.
| Keywords： | Civil CodePublic Order and Good CustomsThe Validity of the Insurance Asset Management ContractsMandatory Regulations |
