| 论保险利益对人之效力——兼论《保险法》第12条之取消 |
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| 引用本文： | 汪涛.论保险利益对人之效力——兼论《保险法》第12条之取消[J].襄樊学院学报,2006,27(3):40-44. |
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| 作者姓名： | 汪涛 |
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| 作者单位： | 襄樊学院,政法系,湖北,襄樊,441053 |
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| 摘 要： | 保险利益原则的主要目的在于防止保险上的不当得利。我国《保险法》将保险利益仅仅是看作对投保人的要求,这使保险利益原则难以发挥其应有的目的价值。从保险利益的目的和宗旨出发应当将保险利益界定为对被保险人的要求。因被保险人的定义中已经包含被保险人对保险标的应具有保险利益的要求,所以在被保险人之外再另行规定保险利益原则没有必要,因此《保险法》第12条关于保险利益原则的规定应当取消。
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| 关 键 词： | 保险利益 投保人 被保险人 受益人 |
| 文章编号： | 1009-2854(2006)03-0040-05 |
| 收稿时间： | 03 15 2006 12:00AM |
| 修稿时间： | 2006年3月15日 |
On the Effect of Insurance Interests on People--An Analysis of the Cancellation of Article 12 in Insurance Law |
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| WANG Tao.On the Effect of Insurance Interests on People--An Analysis of the Cancellation of Article 12 in Insurance Law[J].Journal of Xiangfan University,2006,27(3):40-44. |
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| Authors: | WANG Tao |
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| Institution: | Department of Political Science and Law, Xiangfan University, Xiangfan 441053, China |
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| Abstract: | The principle of insurance interests aims at preventing the unjust enrichment on the insurance.Insurance interests are only regards as the requirement for the insurer in our Law of Insurance which makes the very principle difficult to fulfill its own role.In view of the aim and tenet of insurance interests,it should be confined as the requirement for the insured in that the definition of the insured has already included the requirement for having interests of insurance.So it is unnecessary to stipulate another principle of insurance interests outside the assured and the 12th provision on principle of insurance interests in Insurance Law should be cancelled |
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| Keywords: | Insurance interests Insurer The insured Beneficiary |
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