论我国保险利益确定的立法完善

Perfect in terms of the legislation that theinsurance interests of our country are fixed

在保险活动中,有无保险利益是决定保险合同是否生效的前提,保险利益原则也是保险法理论的基石之一,各国保险法对此都有明文规定。但我国保险法关于保险利益的规定存在一些漏洞,在实务中常常出现纠纷,影响了保险活动的顺利进行。对保险利益的确定方式、确定原则、存在时间对保险合同效力的影响等诸问题进行研究,利于提出我国保险立法的完善措施。

In the insurance activity,interests of insurance are to determine prerequisites whether the contract of insurance comes into force.The interests principle of the insurance is one of the foundation stones of the theory of law of insurance too.The laws of insurance of various countries have a express provision to this.But the provision on interests of insurance of law of insurance of our country has some loopholes,which often brings about disputes in the practice,and thus influences the harmony of the insurance activity.Through studies on issues Such as the way to define insurance,the principle,the existing time which influences the validy of Contract,the artide puts forward measures to perfect the legislation of insurance in China.