本文關(guān)鍵詞： 保險(xiǎn)制度 保險(xiǎn)利益 財(cái)產(chǎn)保險(xiǎn)　出處：《北方工業(yè)大學(xué)》2017年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：我國(guó)保險(xiǎn)行業(yè)近年來(lái)發(fā)展迅速,正是因?yàn)槿諠u完善的市場(chǎng)經(jīng)濟(jì)體制,活躍了保險(xiǎn)市場(chǎng)。隨著保險(xiǎn)行業(yè)的發(fā)展,保險(xiǎn)的種類(lèi)不斷增加,可見(jiàn)大眾對(duì)于保險(xiǎn)的需求也在不斷改變,那么調(diào)整保險(xiǎn)活動(dòng)的法律也需要不斷完善。保險(xiǎn)利益則是保險(xiǎn)法中的一項(xiàng)基本原則,具有評(píng)價(jià)保險(xiǎn)合同的作用,并對(duì)重復(fù)和超額保險(xiǎn)都有規(guī)制的作用。由于我國(guó)保險(xiǎn)法無(wú)法與社會(huì)需求同步,所以存在大量保險(xiǎn)合同糾紛。在這些糾紛中,涉及財(cái)產(chǎn)保險(xiǎn)的占大部分,而這大部分糾紛卻源于保險(xiǎn)利益的問(wèn)題。目前,我國(guó)《保險(xiǎn)法》中關(guān)于保險(xiǎn)利益的規(guī)定也都過(guò)于原則性,正是由于沒(méi)有清晰明確的規(guī)定,才導(dǎo)致在應(yīng)用的時(shí)候發(fā)生許多問(wèn)題,而且學(xué)者們關(guān)于保險(xiǎn)利益也是多有討論。所以對(duì)財(cái)產(chǎn)保險(xiǎn)中的保險(xiǎn)利益的研究是十分必要的,既有利于保險(xiǎn)立法,也促進(jìn)保險(xiǎn)業(yè)務(wù)的發(fā)展,更能對(duì)保險(xiǎn)理論的完善起到積極作用。本文一共分為三部分,在第一部分中詳細(xì)地介紹了保險(xiǎn)制度及保險(xiǎn)利益的基礎(chǔ)理論。在第二部分中論述了保險(xiǎn)利益主體、保險(xiǎn)利益存在的時(shí)間、保險(xiǎn)利益的范圍及保險(xiǎn)利益轉(zhuǎn)移的問(wèn)題,關(guān)于這四個(gè)問(wèn)題,通過(guò)對(duì)國(guó)外的立法以及學(xué)者們不同觀點(diǎn)的分析,闡述自己的觀點(diǎn)。結(jié)合第一部分的理論介紹和還有第二部分的若干問(wèn)題論述,在文章的最后一部分分析關(guān)于保險(xiǎn)利益立法中存在的不足之處及針對(duì)這些問(wèn)題的完善建議。希望通過(guò)本文的關(guān)于財(cái)產(chǎn)保險(xiǎn)中的保險(xiǎn)利益的介紹,對(duì)于財(cái)產(chǎn)保險(xiǎn)利益若干問(wèn)題的論述以及關(guān)于完善我國(guó)保險(xiǎn)立法的建議,能夠?yàn)楸ｋU(xiǎn)利益的界定提供有利的參考,也能夠?yàn)橥晟莆覈?guó)保險(xiǎn)法起到積極促進(jìn)作用。
[Abstract]:China's insurance industry has developed rapidly in recent years. It is precisely because of the increasingly perfect market economic system, active insurance market. With the development of insurance industry, the types of insurance continue to increase. It can be seen that the public's demand for insurance is also constantly changing, so the law of adjusting insurance activities also needs to be constantly improved. Insurance interest is a basic principle in insurance law, which has the function of evaluating insurance contract. Because the insurance law of our country can not synchronize with the social demand, there are a large number of insurance contract disputes. In these disputes, the property insurance accounts for the majority. However, most of the disputes arise from the issue of insurance interests. At present, the provisions on insurance interests in China's Insurance Law are also too principled, precisely because there are no clear and clear provisions. Only in the application of many problems, and scholars on the insurance interests are also much discussed. Therefore, the study of property insurance interests is very necessary, which is conducive to insurance legislation. It also promotes the development of insurance business and can play a positive role in the improvement of insurance theory. This paper is divided into three parts. In the first part, the author introduces the insurance system and the basic theory of insurance interest in detail. In the second part, it discusses the subject of insurance interest and the time of the existence of insurance interest. The scope of insurance interests and the issue of the transfer of insurance interests, on these four issues, through the analysis of foreign legislation and scholars of different views. The first part of the theoretical introduction and the second part of a number of issues discussed. In the last part of the article, the author analyzes the deficiencies in the legislation of insurance interests and the suggestions for the improvement of these problems. It is hoped that the introduction of insurance interests in property insurance will be adopted in this paper. The discussion on several problems of property insurance interests and the suggestions on perfecting our insurance legislation can provide a favorable reference for the definition of insurance interests, and can also play an active role in promoting the perfection of insurance law in our country.
【學(xué)位授予單位】：北方工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：D922.284

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