保险利益原则作为保险法中的一项基本原则，有着十分重要的意义，保险利益概念的产生以及其在保险法中的建立，对防止因保险发生道德风险具有决定性的作用。
对于保险利益的定义，各国的立法、法学家都有不同的阐述和意见，随着保险的发展，形成了各种的学说。笔者认为，一切政治法律制度，只有在联系其产生的时代背景和相应功能作用的同时才能被正确的认识和理解。本文正是从这一前提出发，论述了保险利益原则的产生的历史渊源及相关学说等理论发展、保险利益的定义及相关概念辨析和适用范围等问题。通过上述问题的分析、论证，力求明确保险利益原则的立法方向。笔者认为，保险利益的本质特征是能以金钱计算的经济利益，且保险利益原则只能适用于财产保险中。将人身关系作为保险利益的做法既缺乏科学性，还会导致保险利益原则的本质作用无法发挥。
关键字：保险利益原则，财产保险，人身保险
Iusruable interests principle,as one of the fundamental principles in insrance,is very significant.The definition of insurable intersets and the establishment of insurable interests in insurance law play the decisive role in preventing moral risks in insurance.With the development of insurance,the definition of insurable interests has developed various doctrines based on the different opinions and arguments by legislators and jurists from different countries.In the writer’s opinion,all the political systems can only be recognized and understood when the relate then to their background information and their functions.This paper starts right from this premise, and discusses about the history of insurance interest principle and some relative doctrines,the definition of insurance interest and relative concepts and the range of the application of insurance interest.By discussing these isuues,the writer’s endeavor here is to find out the legislative direction of insurable interest principle. The author believed that insurance interest's substantive characteristics is the economic interest by the money computation, and the insurance interest can only be suitable in the property insurance. Use the personal relation as a form of insurance interest is not only lack the scientific operation, may also cause the essential function of the insurance interest to be unable to display.
Key Words: insurable interest principle,property insurance,personal insurance
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