保险法理论的发展与保险实务的应对及挑战——以《保险法司法解释二》的实施为中心

The Development of Insurance Law Theory and The Challenge of Insurance Practice： Taking the Interpretation Of The Supreme People＇s Court On Some Issues Concerning The Application Of The Insurance Law Of P.R.C（Ⅱ）As A Start Point

《最高人民法院关于适用〈保险法〉若干问题的解释（二）》就保险实务中若干重问题予以了规定,包括保险利益、追溯保险、如实告知义务的内容以及保险金给付与其他请求权之间的关系等,此次解释或采纳了最新的保险法理论研究成果,或根据保险法原理突破了传统法规的不合理适用规则,为更好地保护保险消费者权益以及保险业的发展创造了良好的司法环境.

Interpretation Of The Supreme People＇s Court On Some Issues Concerning The Application Of The Insurance Law Of People＇s Republic Of China（Ⅱ ）gives rules on some important problems in insurance practice, including insurable interest, retrospective insurance, disclosure obligation and the relationship between insurance composition and other claims. This interpretation adopted the latest insurance theories, broke some unreasonable rules of the traditional laws according to insurance theory. All of these above have created a good legal environment for better protection of rights and interests of insurance consumers as well as the development of the insurance industry.