离婚时保险财产分割问题研究

发布时间：2018-01-16 05:21

本文关键词：离婚时保险财产分割问题研究　出处：《内蒙古大学》2015年硕士论文　论文类型：学位论文

【摘要】：近年来,随着我国经济的迅速发展和人们保险意识的不断增强,越来越多的家庭选择购买保险作为家庭生活的风险保障和理财投资方式,保险及其相关的财产性权益日益成为了家庭财产的重要组成部分,一些“巨额保险”更是具有巨大的经济价值,因此,在婚姻关系结束时如何分割这些保险财产显得尤为重要。由于保险中的利益关系,特别是人身保险中的利益关系有时十分复杂,当事人和法院在对这些保险财产进行分割时往往感到无从下手,有时甚至直接退保分割保险费,造成了极大的损失,我国现行的《婚姻法》《保险法》等法律法规及相关的司法解释中并没有关于离婚时如何分割夫妻共同保险财产的规定,实践中各地法官的处理方式也各不相同,造成类似案件却有着不同甚至相反的处理结果。因此,对此问题进行研究生整理,理清保险中的利益关系,明确认定保险财产归属的依据,具有十分重要的现实意义。理论界关于离婚时夫妻共同保险财产分割的研究较少,学者所持观点也不尽相同,而且往往研究的指示关于财产保险成人保险中的某一方面或莫一特殊保险中的分割问题,缺乏全面系统的梳理,难以对司法实践活动提供参考和帮助。本文采取文本分析法,比较分析法,价值分析法等方法,对搜集到的理论材料进行整理和分析,以我国现行的《婚姻法》《保险法》《继承法》等法律法规以及《婚姻法解释(三)》等司法解释为立足点,进行法学领域内的跨学科研究,在多部门法律的交叉范围内探讨夫妻保险财产的范围、性质、分割、依据等问题,寻求合理的解决方式,解决司法实践中的困惑,保护婚姻当事人的财产利益,促进我国婚姻法的完善。
[Abstract]:In recent years, with the rapid development of China's economy and people's awareness of insurance are growing, more and more families choose to purchase insurance for family life risk protection and financial investment, insurance and property rights and interests related to become an important part of the family property, some "huge insurance" is great economic value, therefore, how to split the marriage between the end of the property insurance is very important. Because of insurance interests, especially in personal insurance interests sometimes is very complex, the parties and the courts often feel unable to start the segmentation of the property insurance, sometimes even directly surrender insurance division that caused great losses, China's current "marriage law" "insurance law" and other laws and regulations and the relevant judicial interpretations and not on divorce as segmentation Provisions for the couple's joint property insurance, handling throughout the practice of judges are different, resulting in similar cases have different or even opposite results. Therefore, research on students finishing this problem, clarify the relationship between the interests of insurance, insurance of property ownership clearly identified the basis, has very important practical significance. Research on divorce division of property insurance is less common, scholars have different views, and often indicates a research on property insurance insurance in the adult or Mo a special insurance in the segmentation problem, the lack of comprehensive and systematic analysis, to provide reference and help to the judicial practice. This paper uses text analysis, comparative analysis, value analysis and other methods, the theory of material collecting and analyzing the marriage law, "" to "" insurance law of China's current " Explain the inheritance law and other laws and regulations as well as < > > etc. (three) the marriage law judicial interpretation as foothold, interdisciplinary research in the field of law, to explore the scope of the insured property, couples in cross range multi sectoral law in nature, based on segmentation, and other issues, seek the means of reasonable solution, solve the judicial practice in the confusion, protecting the marriage party's property interests, promote the improvement of China's marriage law.

【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.284;D923.9

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