论保险利益原则

摘 要

保险利益原则是保险法原理中的1项重要的保险原则。在保险业日趋繁荣，人们对保险的`日益增多的今天，保险利益原则也有了新的发展。保险利益原则的确立是保障保险活动健康发展的前提。通过介绍对保险利益原则的产生与发展极其理论意义和实践意义，探寻目前我国《保险法》对保险利益原则的规定存在的诸多缺陷和不足，并提出了自己的立法建议，以期使我国的保险立法得到完善，更有利于保险业的发展。
关键词：保险利益；财产保险；人身保险；保险标的

Abstract

The principle of insurance interests is one of the important principles of the theory of the law of insurance. With the development of people’s demands in insurance, the insurance has become more and more prosperous, along with these developments, the principle of insurance interests also has got new development. The establishment of the principle of insurance interest is the prerequisite of the sound development of insurance activity. This article through introducing the production and the development of the principle of insurance interests, as well as the significance of theory and practice, to find out a great deal of flaws and insufficiency that exists in our country’s “law of insurance” which regulated the principle of insurance interests at present, and it have put forward some legislative suggestion. The legislative suggestion will make our country’s legislation of insurance improved, and the insurance industry developed.

Key words: Insurable interests; Property insurance; Life insurance; Insurance object
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