海上保险合同转让法律问题研究
发布时间：2018-08-25 11:00
【摘要】：保险合同的转让规定在我国《保险法》第49条,海上保险合同的转让规定在我国《海商法》第229条和第230条。《保险法》与《海商法》中关于保险合同转让的规定存在一定的缺陷,不能很好地解决实践中产生的问题。为使保险人、被保险人以及受让人的权利得到更好的保障,本文对海上保险合同转让的法律问题进行研究分析,以期对《海商法》提出相应的修改建议。本文分四个部分对海上保险合同转让中产生的法律问题进行研究。第一部分是对海上保险合同转让的基本理论问题的研究,通过对海上保险合同转让与保险赔偿请求权转让、保险利益转让以及保险标的转让这些法律行为之间的辨析,进而更好地理解海上保险合同转让的内涵。第二部分重点是对海上保险合同转让的理论基础的研究以及其他国家的相关法律规定的立法比较。第三部分着眼于对海上货物运输保险合同转让的法律问题研究,包括海上货物运输保险合同转让时转让人即被保险人是否必须具有保险利益;海上货物运输保险合同转让的时间如何确定;FOB以及CIF合同项下海上货物运输保险合同转让的情况分析等。第四部分是对船舶保险合同转让的法律问题研究,包括对"从船舶转让时起船舶保险合同解除"中"船舶转让"以及"解除"的含义的理解;船舶抵押权人作为船舶保险合同的受让人获得保险赔偿的范围等。此外,对《海商法》的相关规定提出了修改建议。本文通过研究认为,对于海上货物运输保险合同,保险合同转让时被保险人不必具有保险利益;转让应以保险标的风险转移的时间即标的物交付的时间为认定标准;损失发生前或发生后被保险人均可转让保险合同;保险合同的转让与提单、所有权的转让没有必然的联系。对于船舶保险合同,"从船舶转让时起船舶保险合同解除"中"船舶转让"是指完成船舶交付的时间;"解除"的真实含义指的是终止;船舶抵押人将船舶保险合同转让给船舶抵押权人后,发生保险事故时,保险人向其支付的保险赔偿以抵押权人所担保的债权额为限。
[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.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.284
本文编号：2202676
[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.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.284
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