保险利益认定的比较研究

2320036()JournalofSouthernYangtzeUniversity(Humanities&SocialSciences)Vol.2No.3Jun.2003[]2003-01-15[](1973-),,,,.(,215021)[],,,,[];;;;[]D922.284[]A[]167126973(2003)0320026203ContrastivestudyoftheidentificationofinsuranceinterestHUANGJian2qiu(SchoolofLaw,SuzhouUniversity,Suzhou215021,China)Abstract:Insuranceinterestisalegalrelationshipbetweentheapplicant/theinsuredandtheinsuredsubject.Inpropertyinsurance,aslongastheinsuredhasaninsuranceinterestatthetimeoftheloss,thepurposeoftheindemnityprinciplewillbetotallyaccomplished.Inlifeinsurance,theinterestshouldexistatthetimeofinceptionofthepolicy.Theinterestoflifeinsuranceexistsattheconsentoftheinsured.Inaddition,somekindofrelationshipbetweentheinsuredandapplicantisalsoessential.Keywords:insuranceinterest;theapplicant;theinsured;propertyinsurance;lifeinsurance(insurableinterest),,,,,;,,,,,,:;,,,1746,:,,,,1774(LifeAssuranceAct1774),:1906,,62©1994-2006ChinaAcademicJournalElectronicPublishingHouse.Allrightsreserved.::;,,11:,,3:,,,,,,,17:,,,,,,,,,,,[1],,,190661:,,,,,,,,,,177413,1854DalfyV.ZndiaandLondonLifeAssurance,14,3,[2](P94),,,1743SadlerV.Babcock(Hardwicke),,,,,,,,,,,,,,,,,,,,,,,[3],1984,161:,,,,,,:,,,,:,,[4](P64),,,,,(),72©1994-2006ChinaAcademicJournalElectronicPublishingHouse.Allrightsreserved.[5](P82),(),,,,,,,,1.,,,,,1881WarnockV.Davis,:,,,,,[6](P45)2.,,,,,,674:,,3.,,,,52::();();(),,,,,;,,,(16105),,,,,,[7](P53),,,,,,,,,,[8](P51),,:,(),;,,,,[4](P61),,,,,,,,[][1].[J].,1996,(1):85-116.[2]Johnf.Dobbyn.InsuranceLaw[M].WestGroup,1996.[3].[J].,1996,(5):27-33.[4].[M].:,1981.[5].[M].:,1997.[6].[M].:,2000.[7].[M].:,2000.[8].[M].:,1995.(:)82©1994-2006ChinaAcademicJournalElectronicPublishingHouse.Allrightsreserved.