财产保险合同中保险利益原则探讨

保险是分散风险的一种制度,而保险利益作为保险法律制度的关键内容,在保险实务中起着举足轻重的作用。保险利益原则标准主要是保险主体与保险标的法律界定的利益关系。在我国现行保险法中,积极利用保险利益原则,规定投保人对合同标的具有法律保险利益,有助于推动我国财产保险法律制度的不断完善,实现我国保险业的可持续发展。本文主要结合当前保险利益原则的科学内涵,剖析当前财产保险利益原则在适用过程中存在的相关问题,并提出完善策略。

To Investigate the Principle of Insurable Interest in Property Insurance Contracts

Insurance is a system which spreads the risk, while insurance interest plays a decisive role in insurance practice as the key content of insurance legal system. The criterion of principle of insurable interest is the interests＇ relationship between the subject of insurance and insurance object legal definition. In current insurance law in China, the active use of the principle of insurable interest, stipulate insured has legal insurance to the contract, helping to improve the perfection of legal system of property insurance in our country, realizing the sustainable development of Insurance industry in China. This article works through the scientific connotation of the principle of insurable interest, analyzing the relevant problems existing in the current property insurance interest principle in the process of the application, and putting forward some improvement strategies.