财产保险中的保险利益问题研究

发布时间：2018-01-19 18:29

本文关键词： 保险制度保险利益财产保险　出处：《北方工业大学》2017年硕士论文　论文类型：学位论文

【摘要】：我国保险行业近年来发展迅速,正是因为日渐完善的市场经济体制,活跃了保险市场。随着保险行业的发展,保险的种类不断增加,可见大众对于保险的需求也在不断改变,那么调整保险活动的法律也需要不断完善。保险利益则是保险法中的一项基本原则,具有评价保险合同的作用,并对重复和超额保险都有规制的作用。由于我国保险法无法与社会需求同步,所以存在大量保险合同纠纷。在这些纠纷中,涉及财产保险的占大部分,而这大部分纠纷却源于保险利益的问题。目前,我国《保险法》中关于保险利益的规定也都过于原则性,正是由于没有清晰明确的规定,才导致在应用的时候发生许多问题,而且学者们关于保险利益也是多有讨论。所以对财产保险中的保险利益的研究是十分必要的,既有利于保险立法,也促进保险业务的发展,更能对保险理论的完善起到积极作用。本文一共分为三部分,在第一部分中详细地介绍了保险制度及保险利益的基础理论。在第二部分中论述了保险利益主体、保险利益存在的时间、保险利益的范围及保险利益转移的问题,关于这四个问题,通过对国外的立法以及学者们不同观点的分析,阐述自己的观点。结合第一部分的理论介绍和还有第二部分的若干问题论述,在文章的最后一部分分析关于保险利益立法中存在的不足之处及针对这些问题的完善建议。希望通过本文的关于财产保险中的保险利益的介绍,对于财产保险利益若干问题的论述以及关于完善我国保险立法的建议,能够为保险利益的界定提供有利的参考,也能够为完善我国保险法起到积极促进作用。
[Abstract]:China's insurance industry has developed rapidly in recent years. It is precisely because of the increasingly perfect market economic system, active insurance market. With the development of insurance industry, the types of insurance continue to increase. It can be seen that the public's demand for insurance is also constantly changing, so the law of adjusting insurance activities also needs to be constantly improved. Insurance interest is a basic principle in insurance law, which has the function of evaluating insurance contract. Because the insurance law of our country can not synchronize with the social demand, there are a large number of insurance contract disputes. In these disputes, the property insurance accounts for the majority. However, most of the disputes arise from the issue of insurance interests. At present, the provisions on insurance interests in China's Insurance Law are also too principled, precisely because there are no clear and clear provisions. Only in the application of many problems, and scholars on the insurance interests are also much discussed. Therefore, the study of property insurance interests is very necessary, which is conducive to insurance legislation. It also promotes the development of insurance business and can play a positive role in the improvement of insurance theory. This paper is divided into three parts. In the first part, the author introduces the insurance system and the basic theory of insurance interest in detail. In the second part, it discusses the subject of insurance interest and the time of the existence of insurance interest. The scope of insurance interests and the issue of the transfer of insurance interests, on these four issues, through the analysis of foreign legislation and scholars of different views. The first part of the theoretical introduction and the second part of a number of issues discussed. In the last part of the article, the author analyzes the deficiencies in the legislation of insurance interests and the suggestions for the improvement of these problems. It is hoped that the introduction of insurance interests in property insurance will be adopted in this paper. The discussion on several problems of property insurance interests and the suggestions on perfecting our insurance legislation can provide a favorable reference for the definition of insurance interests, and can also play an active role in promoting the perfection of insurance law in our country.
【学位授予单位】：北方工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.284

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