本文關(guān)鍵詞： 海上貨運(yùn)險(xiǎn) 保險(xiǎn)利益 轉(zhuǎn)移標(biāo)準(zhǔn) 常態(tài)轉(zhuǎn)移 非常態(tài)轉(zhuǎn)移　出處：《大連海事大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：本文以我國(guó)保險(xiǎn)利益現(xiàn)有法律規(guī)定為視角,結(jié)合英國(guó)1906年《海上保險(xiǎn)法》的相關(guān)規(guī)定,運(yùn)用比較法及案例分析法,分析海上貨運(yùn)險(xiǎn)保險(xiǎn)利益轉(zhuǎn)移的相關(guān)問(wèn)題及其影響,并對(duì)我國(guó)相關(guān)法律提出完善建議。本文除引言和結(jié)論外,共分為五個(gè)部分。第一部分是保險(xiǎn)利益及海上貨運(yùn)險(xiǎn)保險(xiǎn)利益概述。該部分通過(guò)可保利益、保險(xiǎn)合同利益與海上貨運(yùn)險(xiǎn)保險(xiǎn)利益三者的對(duì)比,認(rèn)定海上貨運(yùn)險(xiǎn)保險(xiǎn)利益是特定化的可保利益,海上貨運(yùn)險(xiǎn)中可發(fā)生轉(zhuǎn)移的是保險(xiǎn)利益,而非可保利益。以保險(xiǎn)利益判定標(biāo)準(zhǔn)的理論爭(zhēng)議為基礎(chǔ),結(jié)合海上貨物運(yùn)輸?shù)奶攸c(diǎn),認(rèn)定海上貨運(yùn)險(xiǎn)保險(xiǎn)利益是以動(dòng)態(tài)的形式潛存在保險(xiǎn)期間內(nèi),且較寬松的經(jīng)濟(jì)性標(biāo)準(zhǔn)作為海上貨運(yùn)險(xiǎn)保險(xiǎn)利益判定標(biāo)準(zhǔn)更為適宜。第二部分介紹海上貨運(yùn)險(xiǎn)保險(xiǎn)利益轉(zhuǎn)移的基本理論,其中包括保險(xiǎn)利益轉(zhuǎn)移的內(nèi)涵、轉(zhuǎn)移的標(biāo)準(zhǔn)及轉(zhuǎn)移的載體。該章是本文的重點(diǎn),該部分認(rèn)定海上貨運(yùn)險(xiǎn)保險(xiǎn)利益轉(zhuǎn)移是指利益主體發(fā)生變化,海上貨運(yùn)險(xiǎn)保險(xiǎn)利益轉(zhuǎn)移標(biāo)準(zhǔn)包括所有權(quán)轉(zhuǎn)移標(biāo)準(zhǔn)和風(fēng)險(xiǎn)轉(zhuǎn)移標(biāo)準(zhǔn),其載體是保險(xiǎn)合同的轉(zhuǎn)移。對(duì)于海上貨運(yùn)險(xiǎn)保險(xiǎn)利益判定和保險(xiǎn)利益轉(zhuǎn)移,本文界定二者是相互聯(lián)系又相互區(qū)別的關(guān)系,二者的聯(lián)系體現(xiàn)為判定保險(xiǎn)利益轉(zhuǎn)移之前必須判定保險(xiǎn)利益是否存在,二者的區(qū)別體現(xiàn)為保險(xiǎn)利益轉(zhuǎn)移包括實(shí)質(zhì)轉(zhuǎn)移與形式轉(zhuǎn)移兩個(gè)方面,是一種動(dòng)態(tài)的判定,而保險(xiǎn)利益判定只是一種靜態(tài)的判定。第三部分介紹海上貨運(yùn)險(xiǎn)保險(xiǎn)利益轉(zhuǎn)移的具體情形。本章亦是本文的重點(diǎn),本章以保險(xiǎn)利益轉(zhuǎn)移是否達(dá)到預(yù)期目的為劃分標(biāo)準(zhǔn),將海上貨運(yùn)險(xiǎn)保險(xiǎn)利益轉(zhuǎn)移情形劃分為常態(tài)轉(zhuǎn)移情形和非常態(tài)轉(zhuǎn)移情形。第四部分介紹海上貨運(yùn)險(xiǎn)保險(xiǎn)利益轉(zhuǎn)移產(chǎn)生的影響。本章從保險(xiǎn)合同轉(zhuǎn)移、索賠權(quán)轉(zhuǎn)移、國(guó)際貿(mào)易合同履行和制定三個(gè)方面分析海上貨運(yùn)險(xiǎn)保險(xiǎn)利益轉(zhuǎn)移的影響。第五部分針對(duì)我國(guó)現(xiàn)有法律對(duì)保險(xiǎn)利益及其轉(zhuǎn)移規(guī)定的不足提出建議。建議在《中華人民共和國(guó)保險(xiǎn)法》中采用寬松的經(jīng)濟(jì)性標(biāo)準(zhǔn)作為保險(xiǎn)利益判定標(biāo)準(zhǔn),在《中華人民共和國(guó)海商法》中確定海上貨運(yùn)險(xiǎn)保險(xiǎn)利益轉(zhuǎn)移標(biāo)準(zhǔn)包括所有權(quán)轉(zhuǎn)移標(biāo)準(zhǔn)和風(fēng)險(xiǎn)實(shí)質(zhì)轉(zhuǎn)移標(biāo)準(zhǔn),明確海上貨運(yùn)險(xiǎn)保險(xiǎn)利益轉(zhuǎn)移與保險(xiǎn)合同轉(zhuǎn)移的關(guān)系,保險(xiǎn)利益轉(zhuǎn)移是保險(xiǎn)合同發(fā)生轉(zhuǎn)移的原因,保險(xiǎn)合同轉(zhuǎn)移是保險(xiǎn)利益轉(zhuǎn)移的載體。
[Abstract]:This paper, from the perspective of the existing laws and regulations of insurance interests in China, combined with the relevant provisions of the British Marine Insurance Law of 1906, applies comparative law and case analysis. This paper analyzes the related problems and effects of marine freight insurance interest transfer, and puts forward some suggestions to improve the relevant laws of our country. In addition to the introduction and conclusion, this article. It is divided into five parts. The first part is an overview of insurance interests and marine freight insurance interests. The insurance interests of marine freight insurance are considered to be specific insurable interests, and what can be transferred in marine freight insurance is insurable interest, not insurable interest, which is based on the theoretical dispute on the criterion of determining insurance benefits. Combined with the characteristics of marine cargo transportation, it is concluded that the marine cargo insurance benefits are latent in the form of dynamic insurance period. The second part introduces the basic theory of marine freight insurance interest transfer, including the connotation of insurance interest transfer. This chapter is the focus of this paper, this part determines that the transfer of benefits of marine freight insurance insurance refers to the change of the main body of interest. The standard of interest transfer of marine cargo insurance includes the standard of transfer of ownership and the standard of risk transfer, and the carrier is the transfer of insurance contract. This paper defines the relationship between the two is interrelated and different from each other, the relationship between the two reflects that the insurance interests must be determined before the transfer of insurance interests exist. The difference between them is that the transfer of insurance benefits includes substantive transfer and formal transfer, which is a kind of dynamic judgment. The third part introduces the specific situation of marine freight insurance interest transfer. This chapter is also the focus of this paper. This chapter is divided into the criteria of whether the transfer of insurance benefits to achieve the desired purpose. The transfer of marine freight insurance benefits is divided into normal transfer and abnormal transfer. Part 4th introduces the impact of marine freight insurance interest transfer. This chapter transfers from the insurance contract. Claim transfer. Three aspects of international trade contract performance and formulation are analyzed to analyze the impact of marine freight insurance benefit transfer. Part 5th gives some suggestions on the deficiency of the existing law of our country on insurance interest and its transfer. In the Insurance Law of the people's Republic of China, the loose economic standard is adopted as the criterion of judging the insurance benefits. In the Maritime Law of the people's Republic of China, it is determined that the criteria for the transfer of benefits of marine cargo insurance insurance include the criteria of transfer of ownership and the criterion of substantial transfer of risks. The relationship between the transfer of insurance interest and the transfer of insurance contract is made clear. The transfer of insurance interest is the reason of the transfer of insurance contract, and the transfer of insurance contract is the carrier of the transfer of insurance interest.
【學(xué)位授予單位】：大連海事大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.294;D922.284

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本文編號(hào)：1468220