论我国保险合同法的缺陷及完善

发布时间：2018-04-01 10:36

本文选题：被保险人　切入点：可保利益　出处：《特区经济》2004年10期

【摘要】：正一、保险合同法的立法缺陷 1.对订立保险合同的投保人进行盲目的资格限制在我国保险合同法中,对投保人资格的限制是通过设立可保利益原则实现的。我国保险法第12条规定:投保人对保险标的应当具有保险利益。投保人对保险标的不具有保险利益的,保险合同无效。立法起草者认为,这样规定可以达到防止投保人投保任何财产和生命的目的。但这是对可保利益原则的误解,当投保人与被保险人不是同一人时,如此运用可保利益原则也是不正确的。设立可保利益原则主要是为了防止被保险人利用保险进行赌博,并降低被保险人的道德风险。在投保人与被保险人是同一人的情况下,我国要求投保人对保险标的必须具有可保利益能达到设立可保利益原则的目的。但是当投保人与被保险人不是同一人
[Abstract]:First, the legislative defects of the insurance contract law 1.The blind qualification of the policyholders who conclude the insurance contract is restricted in the insurance contract law of our country. The restriction to policy holder qualification is realized by establishing insurable benefit principle. Article 12 of insurance law of our country stipulates: policy holder should have insurance interest to insurance mark. Policy holder does not have insurance interest to insurance subject matter, An insurance contract is invalid. The drafters of the legislation believe that such a provision can achieve the purpose of preventing the insured from insuring any property and life. But this is a misunderstanding of the principle of insurable interest, when the insured and the insured are not the same person, It is also incorrect to apply the principle of insurable interest. The main purpose of establishing the principle of insurable interest is to prevent the insured from gambling with insurance and to reduce the moral hazard of the insured. In the case where the insured and the insured are the same person, Our country requires the policy holder to have insurable interest to the subject matter of insurance. But when the policy-holder and the insured are not the same person
【作者单位】：西南财经大学西南财经大学
【分类号】：D922.284

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