两岸出口信用保险法律适用问题探析

A Tentative Exploration on Legal Application of Export Credit Insurance across the Straits

与台湾输出保险相比，大陆出口信用保险合同的法律适用问题则较模糊。大陆《保险法》仅适用于商业性保险行为和商业性保险组织，因而从理论上讲，出口信用保险法律关系不应该适用《保险法》第二章关于保险合同的规定，而应与其他性质的保险组织一样，由法律法规另行规定。完善大陆出口信用保险相关法律制度，需要从“保险业法”、“保险合同法”和“保险主体法”三个方面共同努力，即完善大陆出口信用保险合同纠纷法律适用问题。制定规范出口信用保险经营机构的“特定主体法”等。

Compared with the export credit insurance in Taiwan, the legal application of export credit insurance in China's Mainland is much more blurred. The ＂Insurance Law＂ of the mainland only applies to commercial insurance activities and commercial insurance organizations, therefore, the Second Section of the ＂Insurance Law＂ on provisions about insurance contracts should not be applied to the legal relationship of export credit insurance business, Instead, the latter should be governed by separate laws and regulations. To complete legislation on export credit insurance in China's Mainland, we should proceed from three aspects, namely the ＂insurance industry law＂, the ＂insurance contract law＂ and the ＂law on parties to insurance contracts＂. This will streamline the legal application issue on disputes about export credit insurance and help to establish the ＂special entity law＂ governing operational entities of export credit insurance.