摘要
担保性保险具有担保债务履行的功能,某些类型的担保性保险存在受损害者与受补偿者相分离的现象,从形式上看似乎违背了保险的损失填补和禁止得利原则,实际上是保险规则与民事权利转让规则有机结合的产物,而要促成两者的结合,必须对保险受益权进行重新认识和定位。
Guarantee insurances have the function of guaranteeing obligation, and sometimes it appears the phenomenon of the separation between the injured persons and the indemnitees. It seems to violate the principles of filling loss and prohibiting profit in insurance in form, and in fact it is the combination of insurance rules and transfers of civil rights. To bring out the combination, we must rediscover and re- locate the beneficial right of insurance.
出处
《金融理论与实践》
CSSCI
北大核心
2013年第12期87-91,共5页
Financial Theory and Practice
关键词
担保性保险
理论困惑
理论阐释
guarantee insurance
theoretical confusion
theoretical explanation
