人身保险利益法律适用问题研究

发布时间：2018-12-14 11:30

【摘要】：我国《保险法》对保险利益的规定过于含糊,并没有将人身保险利益与财产保险利益相区分。本文从保险利益起源及发展出发,对人身保险利益的概念进行界定,并对人身保险利益的一般功能和社会功能进行论述。同时,在对英国、美国及我国台湾地区法律及学者的观点进行总结和评析的基础上,结合人身保险合同自身的特点,对涉及到人身保险利益的两个主要问题即人身保险利益的主体效力和存在的时点的不同观点进行评析,最终得出唯受益人应该受人身保险利益的约束和应根据人身保险利益的来源,对人身保险利益的存在的时点作出区别规定的观点。进而指出我国人身保险立法中的不足之处,提出相关完善人身保险利益规定的系列问题的建议,以期在一定程度上可以弥补我国人身保险利益规定的缺憾。
[Abstract]:The insurance law of our country is too vague about insurance interests, and does not distinguish between life insurance interests and property insurance interests. Starting from the origin and development of insurance interests, this paper defines the concept of personal insurance interests, and discusses the general and social functions of personal insurance interests. At the same time, on the basis of summing up and evaluating the views of the British, American and Taiwan laws and scholars, and combining the characteristics of the personal insurance contract itself, This paper analyzes the two main issues concerning the interests of personal insurance, namely, the subjective effect of the interests of personal insurance and the different points of view of the existence of the interests of life insurance. Finally, it comes to the viewpoint that only beneficiary should be bound by the interests of personal insurance and should make a distinction between the points of existence of the interests of personal insurance according to the source of the interests of personal insurance. Furthermore, this paper points out the deficiencies in the legislation of personal insurance in China, and puts forward some suggestions on how to perfect the regulations on the interests of personal insurance in order to make up for the shortcomings of the regulations on the interests of life insurance in China to a certain extent.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.284

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