实务视角下保险费交付若干法律问题研究

在保险实务中，投保人保险费的交付与保险入保险责任的承担密切相关。对于投保人未能依约支付保险费行为后果的认定，应结合合同具体约定，以“保险合同保障功能之发挥”及“被申请人利益之保护”等价值基点为导向。对于保险人预收保险费的行为，《最高人民法院关于适用（中华人民共和国保险法）若干问题的解释（二）》（以下简称《保险法司法解释（二）》）第4条虽具有极强的实务意义，同时也面临诸多质疑，而域外保险法制中的“临时保险合同”制度对于我国今后制度的改进或有借鉴意义。

In practice, the delivery of insurance premium is closely related to the undertaking of insured liability. To identify the legal results of policy-holder＇s failure to deliver insurance premium as a-greed properly, it is necessa for the judge/arbitrator to take into ac- count the purpose of insurance contract and the concept of protecting the interests of the insured. As for the condition that the insurer receives in- surance premium in advance, though the rule stipulated by the Judicial Interpretation （ II ） of Insurance Law is of practical significance, it subjects to multiple theoretical criticism. Therefore, the temporarily in- surance policy, which is a prevailing institution in common law counties, could be referred in the future practice and legislation for our country.