本文選題：被保險(xiǎn)人　切入點(diǎn)：可保利益　出處：《特區(qū)經(jīng)濟(jì)》2004年10期

【摘要】：正 一、保險(xiǎn)合同法的立法缺陷 1.對(duì)訂立保險(xiǎn)合同的投保人進(jìn)行盲目的資格限制 在我國(guó)保險(xiǎn)合同法中,對(duì)投保人資格的限制是通過設(shè)立可保利益原則實(shí)現(xiàn)的。我國(guó)保險(xiǎn)法第12條規(guī)定:投保人對(duì)保險(xiǎn)標(biāo)的應(yīng)當(dāng)具有保險(xiǎn)利益。投保人對(duì)保險(xiǎn)標(biāo)的不具有保險(xiǎn)利益的,保險(xiǎn)合同無效。立法起草者認(rèn)為,這樣規(guī)定可以達(dá)到防止投保人投保任何財(cái)產(chǎn)和生命的目的。但這是對(duì)可保利益原則的誤解,當(dāng)投保人與被保險(xiǎn)人不是同一人時(shí),如此運(yùn)用可保利益原則也是不正確的。設(shè)立可保利益原則主要是為了防止被保險(xiǎn)人利用保險(xiǎn)進(jìn)行賭博,并降低被保險(xiǎn)人的道德風(fēng)險(xiǎn)。在投保人與被保險(xiǎn)人是同一人的情況下,我國(guó)要求投保人對(duì)保險(xiǎn)標(biāo)的必須具有可保利益能達(dá)到設(shè)立可保利益原則的目的。但是當(dāng)投保人與被保險(xiǎn)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
【作者單位】： 西南財(cái)經(jīng)大學(xué) 西南財(cái)經(jīng)大學(xué)
【分類號(hào)】：D922.284

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