论我国保险法上的保险利益观——以损失补偿保险为主

On Insurance Benefit in China's Insurance Laws

保险利益不能等同于物本身,同一物上可以同时存在多个保险利益,并据此成立多个保险关系而不构成重复保险。在损失补偿保险中,风险损失是保险利益的反面,保险事故发生时的损失者才是保险利益的真正主体,权利和利益的复杂关系决定了物权人不一定是保险利益的主体。因此,我们应放弃形式主义的保险利益观而坚持实质性的保险利益观,即以风险归属作为保险利益的归属依据。

Insurance benefit does not equal to the thing itself, as there can be many insurance benefits on the same thing and many insurance relations can thus form with no repetitive insurances. Of loss compensation insurance, risk loss runs counter to insurance benefit. The person who suffers loss is the real subject of insurance benefit. The complexity of right and benefit illustrates that the proprietor is not always the subject of insurance benefit. Therefore the formalist insurance outlook must be give way to a substantial one loss suffer as the basis of insurance benefit.