论现行《保险法》第34条

On Article 34 of Current Insurance Law of China

我国现行《保险法》第34条规定,普通保险合同的转让需要经保险人的同意,赋予了保险人重新评价风险程度的权利。本文从该条文的立法背景、与现实存在的冲突以及通过对国内外的比较分析得出:保险标的的转让并非一定引起保险风险的增加,因而一律规定保险合同的转让需要经保险人的同意,对被保险人不公平且程序过于复杂。因此,本文建议34条修改为:"财产保险合同随保险标的的转让一同转让,保险合同另有约定的除外"。最后,文章由保险合同的转让引出对保险单证券化的预测。

The Article 34 of current Insurance Law of China(Art.34) prescribes that the objects of a general insurance contract shall be transferred upon the insurer's consent so that the insurer is entitled to re-evaluate the degree of involved risk.This paper analyzes the context of Art.34 legislation and its conflict with practice,and compares domestic cases to those abroad.This paper concludes that since not all of these transfers would necessarily result in an increased risk of insurance,the requirement of the insurer's consent is unfair to the insurant and may complicate the procedure.Therefore,the author proposes that the current Art.34 be modified as such: The property insurance contract shall be transferred concurrently while the object of the insurance is transferred,unless it is otherwise stipulated in the insurance contract.In the end,this paper also makes some prediction on the securitization of insurance policy.