【摘要】： 對于海上保險法而言,保險利益原則當(dāng)之無愧成為最重要的原則之一,有句古語叫做“無保險利益無保險”。但令人遺憾的是,我國《海商法》對保險利益原則并未加以規(guī)定。我國《保險法》雖有所規(guī)定,但規(guī)定的并不詳盡。在海上保險中法律關(guān)系較為復(fù)雜的情形下,保險利益直接涉及到保險法律關(guān)系的屬性和效力。并且海上保險所涉及的過程中流轉(zhuǎn)環(huán)節(jié)多,程序較為復(fù)雜,因此海上保險的保險利益移轉(zhuǎn)問題就成為關(guān)鍵問題。本文將以海上保險的保險利益移轉(zhuǎn)問題為主線,從保險利益概念、歸屬、效力、種類等方面以及實務(wù)操作中會經(jīng)常遇到的一些問題予以闡述。 本文結(jié)合國內(nèi)外學(xué)者的見解,闡述了海上貨物保險利益的概念和表現(xiàn)形式。對我國海運貨物保險利益的移轉(zhuǎn)問題、保險利益與海上貨物保險合同的效力和轉(zhuǎn)讓問題分別進(jìn)行了分析并提出立法建議。進(jìn)一步對保險利益的轉(zhuǎn)讓、保險標(biāo)的的轉(zhuǎn)讓、保險合同的轉(zhuǎn)讓進(jìn)行了比較分析。根據(jù)現(xiàn)有法律的規(guī)定,結(jié)合對外貿(mào)易中的實際情況,分析了貨物買賣雙方保險利益的歸屬,最后根據(jù)我國的現(xiàn)行法律法規(guī),提出了對我國《海商法》的修改意見。 通過分析認(rèn)為,應(yīng)該明確由被保險人而非投保人享有保險利益,合理限定保險利益的范圍,通過定義與列舉相結(jié)合的辦法來定義保險利益。我國法律對保險利益的規(guī)定,應(yīng)該仿效MIA1906,采取定義與列舉結(jié)合的方式,舉一些典型以及在實踐中容易出現(xiàn)爭議的保險利益種類。如果在立法中無法列舉多種保險利益,也可以考慮通過司法解釋的方式進(jìn)行,尤其應(yīng)該將一些有爭議的問題做出明確規(guī)定。 本文對保險利益與海上貨物保險合同的效力和轉(zhuǎn)讓提出立法建議,對海洋貨物運輸?shù)谋ｋU利益的法律研究有著重要意義。
[Abstract]:To the marine insurance law, the principle of insurable interest is worthy to be one of the most important principles, there is an old saying called "no insurable interest and no insurance". Unfortunately, China's Maritime Law does not stipulate the principle of insurable interest. Although the Insurance Law of our country has some provisions, the provisions are not exhaustive. In the case of complicated legal relations in marine insurance, insurance interests directly relate to the attributes and effects of insurance legal relations. There are many circulation links and complicated procedures in the process of marine insurance, so the transfer of marine insurance benefits becomes a key issue. This paper will focus on the problem of the transfer of insurance interests in marine insurance, from the concept of insurance interests, attribution, effectiveness, types and other aspects, as well as the practical operation will often encounter some problems to be elaborated. Combined with the opinions of scholars at home and abroad, this paper expounds the concept and manifestation of marine cargo insurance interests. This paper analyzes the transfer of marine cargo insurance interests, the validity and assignment of insurance interests and marine cargo insurance contracts, respectively, and puts forward some legislative suggestions. The transfer of insurance benefits, the transfer of the subject matter of insurance, and the transfer of insurance contracts are compared and analyzed. According to the existing laws and regulations, combined with the actual situation in foreign trade, this paper analyzes the ownership of the insurance interests of both buyers and sellers of goods, and finally, according to the current laws and regulations of our country, puts forward some suggestions to amend the Maritime Law of our country. Through the analysis, it should be clear that the insured should enjoy the insurable interest instead of the insured, reasonably limit the scope of the insurable interest, and define the insurable interest by combining the definition with enumeration. The law of our country should follow MIA1906, adopt the combination of definition and enumeration, and give some typical and controversial types of insurance interests in practice. If many kinds of insurance interests can not be listed in the legislation, we can also consider the way of judicial interpretation, especially some controversial issues should be clearly defined. This paper puts forward legislative suggestions on the validity and transfer of insurance interests and marine cargo insurance contracts, which is of great significance to the legal research on the insurance interests of marine cargo transportation.
【學(xué)位授予單位】：哈爾濱工程大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2008
【分類號】：D922.284;D922.294

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 王曼;保險利益原則研究[D];大連海事大學(xué);2011年

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本文編號：2124179