试论财产保险合同中的受益人

我国《保险法》在人身保险合同中确立了受益人制度,但是对财产保险合同中是否也适用受益人的问题没有明确规定。随着财产保险新型险种的不断出现,实务中财产保险受益人的缺位也给投保和理赔等问题带来了一定的困难。本文即在此大环境下,从法理基础和受益权本质出发,论证财产保险受益人存在的必要性和合理性,并支持财产保险应当采用受益人制度的观点,希望能够为完善我国财产保险立法提供一些建议。

The insurance beneficiary system of life insurance contact has been established in Insurance Law of our country ; however, there is not any related regulation in the property insurance area. With the rapid development of property insurance, without the regulation on the property insurance beneficiary the present Insurance Law brings serious problems to the insurance practices. Based on the legal principle, from the essence of beneficial theory this paper aims to demonstrate the rationality and necessity of designating beneficiary in the property insurance contract. The author hopes this paper could offer some suggestions for the further modification of Insurance Law.