保险利益原则及其应用

:167126914(2005)01200752(08):2004209210:(1961),,,(,100037)[],,[];;;Abstract:Insuranceinterestisneithereconomicbenefitnorconcernedinterest,andletitalone,legalinterest,butreferstotherisknotconfirmedthatcanbeshifted.Propertyinsuranceinteresttakespossibledamageasitsquantitativestandard,andlifeinsuranceinterestisbasedoncontractingpartiesagreement.Thesubjectofinsuranceinterestshouldbetheinsuredbutnotthepolicyholder.Theestablishmentoftheprincipleofinsuranceinterestistheprerequisiteofthesounddevelopmentofinsuranceactivity.KeyWords:insuranceinterest;contractofinsurance;thesubjectmatterofinsurance;transferablerisk.:DF43814:A,,?????,,,,??,,,,::200311,,,30200349,:20,,2003423,15,,,,:2000,,78,,:100,,,,,,?,?,,,,12:,5720051()insurableinterest,,,()18,,,,1745(MarineInsuranceAct1745),:,,,,:,,,,,,,,,(),,,,,,,,,,,Benecke,,,,,,1(P51),,,,,,,,,1(P59),,,,,,,,,,,,,(),,,19,,192114,41,,830,,,,,,,,,,1(P61-62),,,,,1(P60),,,67,:,1984,65,(),:1745,,,,,,,,,,,,,,19065:,,,12:,,,(),,:11,,,,,,,,,,2(P57),:(1),(2),(3),,3(P396),:(1)(),()?(2),(3),,,,,,,,,(4)?,,,,,,21,,,,,,,2(P57),,,:(1),?(2),?(3),?(4)?,(),,,,,,,:7720051(),,:,,,,,4(P9),,,;,,,,,,:,;,:,;,,,,;,,,,,,,,,,,,,,;,,,:,,,,,,,,,,,,,,,,,,,,,,,,,,,,,;,,,,(),,,,,,;,,,,,142:,,,,,,,,,,19996200112,,87,120,,(,),,,,,,,,,,,,,,,3,,,,?,,?,,,,,,,,,,,,,,,,10,10,,;10,,10,,,:,?,,;,,;,,,,(),,,,,,,,,,,,,;,,,,,,,,,,,,,9720051():1999732000128,2000121200132,,,,10%,,:,,,100,100;,,,100,80,,;,,,100,80,60,90,100806090,2?,(),,,,,:,,,,,5(P68),,;,,,,,,,,,,,,,,,,,,56,,,12:,,22:,,,,(),,,,,,,;,;;,,,,0856:,,,,,?,,,,,;,,;,,,,,,,(),,:,6(P61),,,,,,,,,,,,,,2(P76),,,,,,,,,,,,2(P77),,,,,,,,,,,,,,2(P77),:11,,,,,21,,,31,,19066,,,,(),,,,,,,:(),,,,,,,,,,,,1820051(),,,,,,100,100,100,100,,100100,,,,,,17,,,1774,:,,,(),,,,20,,,,,,,,():11,,,21,31,,,,,,41,,,12,,,,,?,1.M1:,200212.M1:,200413.M1:,,200314.M1:,198115.M1:,198416.M1:,19781()28