论海上货运险保险利益转移及其影响

发布时间：2018-01-27 10:09

本文关键词： 海上货运险保险利益转移标准常态转移非常态转移　出处：《大连海事大学》2015年硕士论文　论文类型：学位论文

【摘要】：本文以我国保险利益现有法律规定为视角,结合英国1906年《海上保险法》的相关规定,运用比较法及案例分析法,分析海上货运险保险利益转移的相关问题及其影响,并对我国相关法律提出完善建议。本文除引言和结论外,共分为五个部分。第一部分是保险利益及海上货运险保险利益概述。该部分通过可保利益、保险合同利益与海上货运险保险利益三者的对比,认定海上货运险保险利益是特定化的可保利益,海上货运险中可发生转移的是保险利益,而非可保利益。以保险利益判定标准的理论争议为基础,结合海上货物运输的特点,认定海上货运险保险利益是以动态的形式潜存在保险期间内,且较宽松的经济性标准作为海上货运险保险利益判定标准更为适宜。第二部分介绍海上货运险保险利益转移的基本理论,其中包括保险利益转移的内涵、转移的标准及转移的载体。该章是本文的重点,该部分认定海上货运险保险利益转移是指利益主体发生变化,海上货运险保险利益转移标准包括所有权转移标准和风险转移标准,其载体是保险合同的转移。对于海上货运险保险利益判定和保险利益转移,本文界定二者是相互联系又相互区别的关系,二者的联系体现为判定保险利益转移之前必须判定保险利益是否存在,二者的区别体现为保险利益转移包括实质转移与形式转移两个方面,是一种动态的判定,而保险利益判定只是一种静态的判定。第三部分介绍海上货运险保险利益转移的具体情形。本章亦是本文的重点,本章以保险利益转移是否达到预期目的为划分标准,将海上货运险保险利益转移情形划分为常态转移情形和非常态转移情形。第四部分介绍海上货运险保险利益转移产生的影响。本章从保险合同转移、索赔权转移、国际贸易合同履行和制定三个方面分析海上货运险保险利益转移的影响。第五部分针对我国现有法律对保险利益及其转移规定的不足提出建议。建议在《中华人民共和国保险法》中采用宽松的经济性标准作为保险利益判定标准,在《中华人民共和国海商法》中确定海上货运险保险利益转移标准包括所有权转移标准和风险实质转移标准,明确海上货运险保险利益转移与保险合同转移的关系,保险利益转移是保险合同发生转移的原因,保险合同转移是保险利益转移的载体。
[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.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.294;D922.284

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