试论信用保险之第三人制度

Discussion on the Third Party System of Credit Insurance

信用保险的第三人(买方)虽然与信用保险合同没有直接联系,但却是信用保险的前提和关键,是信用保险利益的基础,也是信用风险的主要来源和具体载体。我国现行保险法将受益人的适用范围仅限于人身保险,是否在财产保险中设置受益人存在争议。一些国家和地区已经逐步明确地承认了受益人在财产保险中的法律地位,表明了财产保险受益人在立法和司法实践中的可行性。在信用保险中引入受益人制度具有现实和理论必要性。

As neither party of the credit insurance contract, nevertheless, buyer of the trade is the premise and essence of it. As such, buyer is not only the foundation of insurable interest, but also the source and carrier of credit risk. The current China Insuarnce Law recognizes the concept of beneficiary only in life insurance, but remaining vague with regard to property insurance. However, laws in other jurisdictions are gradualy introducting such concept to property insurance, proving its feasibility both in legislation and judicial practice. The introduction of the concept of beneficiary is necessary both in acadamics and in practice.