【摘要】：保險合同的轉(zhuǎn)讓規(guī)定在我國《保險法》第49條,海上保險合同的轉(zhuǎn)讓規(guī)定在我國《海商法》第229條和第230條。《保險法》與《海商法》中關(guān)于保險合同轉(zhuǎn)讓的規(guī)定存在一定的缺陷,不能很好地解決實踐中產(chǎn)生的問題。為使保險人、被保險人以及受讓人的權(quán)利得到更好的保障,本文對海上保險合同轉(zhuǎn)讓的法律問題進行研究分析,以期對《海商法》提出相應(yīng)的修改建議。本文分四個部分對海上保險合同轉(zhuǎn)讓中產(chǎn)生的法律問題進行研究。第一部分是對海上保險合同轉(zhuǎn)讓的基本理論問題的研究,通過對海上保險合同轉(zhuǎn)讓與保險賠償請求權(quán)轉(zhuǎn)讓、保險利益轉(zhuǎn)讓以及保險標(biāo)的轉(zhuǎn)讓這些法律行為之間的辨析,進而更好地理解海上保險合同轉(zhuǎn)讓的內(nèi)涵。第二部分重點是對海上保險合同轉(zhuǎn)讓的理論基礎(chǔ)的研究以及其他國家的相關(guān)法律規(guī)定的立法比較。第三部分著眼于對海上貨物運輸保險合同轉(zhuǎn)讓的法律問題研究,包括海上貨物運輸保險合同轉(zhuǎn)讓時轉(zhuǎn)讓人即被保險人是否必須具有保險利益;海上貨物運輸保險合同轉(zhuǎn)讓的時間如何確定;FOB以及CIF合同項下海上貨物運輸保險合同轉(zhuǎn)讓的情況分析等。第四部分是對船舶保險合同轉(zhuǎn)讓的法律問題研究,包括對"從船舶轉(zhuǎn)讓時起船舶保險合同解除"中"船舶轉(zhuǎn)讓"以及"解除"的含義的理解;船舶抵押權(quán)人作為船舶保險合同的受讓人獲得保險賠償?shù)姆秶取４送?對《海商法》的相關(guān)規(guī)定提出了修改建議。本文通過研究認為,對于海上貨物運輸保險合同,保險合同轉(zhuǎn)讓時被保險人不必具有保險利益;轉(zhuǎn)讓應(yīng)以保險標(biāo)的風(fēng)險轉(zhuǎn)移的時間即標(biāo)的物交付的時間為認定標(biāo)準(zhǔn);損失發(fā)生前或發(fā)生后被保險人均可轉(zhuǎn)讓保險合同;保險合同的轉(zhuǎn)讓與提單、所有權(quán)的轉(zhuǎn)讓沒有必然的聯(lián)系。對于船舶保險合同,"從船舶轉(zhuǎn)讓時起船舶保險合同解除"中"船舶轉(zhuǎn)讓"是指完成船舶交付的時間;"解除"的真實含義指的是終止;船舶抵押人將船舶保險合同轉(zhuǎn)讓給船舶抵押權(quán)人后,發(fā)生保險事故時,保險人向其支付的保險賠償以抵押權(quán)人所擔(dān)保的債權(quán)額為限。
[Abstract]:The assignment of insurance contract is stipulated in Article 49 of the Insurance Law of China, The assignment regulation of marine insurance contract has some defects in articles 229 and 230 of Maritime Law of China. The provisions of Insurance Law and Maritime Law on the transfer of insurance contract can not solve the problems in practice. In order to better protect the rights of the insurer, the insured and the transferee, this paper makes a study and analysis on the legal issues of the assignment of marine insurance contracts, with a view to putting forward corresponding suggestions for the amendment of Maritime Law. This paper is divided into four parts to study the legal problems arising from the transfer of marine insurance contracts. The first part is the study of the basic theoretical issues of marine insurance contract transfer, through the marine insurance contract transfer and insurance claims transfer, the transfer of insurance benefits and the transfer of the subject matter of insurance between these legal acts of discrimination and analysis. Further better understand the connotation of marine insurance contract transfer. The second part focuses on the theoretical basis of marine insurance contract transfer and the legislative comparison of other countries. The third part focuses on the study of the legal issues of the transfer of the marine cargo transport insurance contract, including whether the assignor, that is, the insured, must have an insurance interest when the marine cargo transport insurance contract is transferred; How to determine the time of the transfer of the marine cargo insurance contract and the analysis of the transfer of the marine cargo insurance contract under the CIF contract, etc. The fourth part is the study on the legal issues of the transfer of the ship insurance contract, including the understanding of the meaning of "ship transfer" and "discharge" in the "cancellation of the ship insurance contract from the time of the ship transfer"; The scope of the indemnity obtained by the mortgagee as the transferee of the ship insurance contract. In addition, the relevant provisions of the Maritime Code are proposed for amendment. According to the research, the insured does not need to have insurance interest when the insurance contract is transferred, and the transfer should be determined by the time of the risk transfer of the subject matter of insurance, that is, the time of delivery of the subject-matter. The insured may transfer the insurance contract before or after the loss, and the transfer of the insurance contract is not necessarily related to the transfer of the bill of lading and the title of the bill of lading. For a ship insurance contract, the term "ship transfer" refers to the time at which the ship is delivered, the real meaning of "discharge" is the termination of the ship insurance contract, and the term "termination of the ship insurance contract from the time of transfer of the ship" refers to the time of completion of the delivery of the ship. After the ship mortgagor transfers the ship insurance contract to the ship mortgagee, in case of an insurance accident, the indemnity paid by the insurer to the mortgagee shall be limited to the amount of the claim guaranteed by the mortgagee.
【學(xué)位授予單位】：大連海事大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：D922.284

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