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保险受益权的研究


全文字数:10000字左右  原创时间:<=2022年

【内容摘要】

保险受益权的研究

内容摘要:保险受益权是保险理论与保险实践中一个重要的法律术语。涉及到许多极其复杂的法律问题,系到投保人和被保险人订立保险合同的目的、道德判断和价值取向等,保险实务中的很多争议、纠纷和诉讼也是因受益权问题而引起。因此,加强对保险受益权基本理论的研究和探讨十分必要。我国保险法对保险受益权仅作了初步规定,但因漏洞颇多,致使保险理论与实务产生诸多争端,诸如如何对保受益权进行定位定性。它不仅碍了我国保险事业的健康发展,而且在一定程度上制约了保险理念和精神的进步与活跃。本文立足于我国保险法关于受益权的相关规定,比较其他国家的规定及做法,试图对保险受益权制度作一个全面、透彻的分析,并提出作者的一些个人建议,以期达到完善我国保险法制、正确指导我国保险实践之目的。

关键词:保险法,财产保险,人身保险,受益人,保险金

Insurance benefits right research
Abstract  : the beneficial right of insurance is the insurance theory and insurance practice an important legal terms, involves many complex legal issues, related to the insured and the insured person insurance contract aim, moral judgment and value orientation; insurance practice in many disputes, disputes and litigation is due the right to benefit from problems caused by. Therefore, to strengthen the insurance beneficial right of basic theory research and the discussion is necessary. China's Insurance Law on inurance beneficial right is only preliminary regulations, but full of loopholes, resulting in insurance theory and practice have many disputes, such as how the insurance proceeds right positioning and qualitative. Not only hinders the healthy development of the insurance industry in our country, and to some extent restrict the insurance concept and spirit of progress and active. This article is based on China's Insurance Law on the beneficial right of the relevant provisions, in comparison to the other state regulations and practices of insurance beneficial right system, tries to make a comprehensive, thorough analysis, and put forward the author's some personal suggestions, in order to improve China's Insurance Law, right directive our country insurance practice purpose.
Key words : Law of insurance, property insurance, life insurance, beneficiary insurance

 

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