保险受益权与投保人或被保险人的债权人利益的冲突与解决  

On the Conflict and Solution between Insurance Beneficial Right and the Creditor's Interest of Insurants

作　　者：李政宁[1] 

机构地区：[1]包头师范学院政治与法律学院,内蒙古包头014030

出　　处：《内蒙古财经学院学报（综合版）》2010年第5期91-94,共4页Journal of inner Mongolia finance and economics college

摘　　要：现实生活中投保人或被保险人可能为逃避自身的债务,将自己的财产借寿险机制转赠于受益人,从而导致自身丧失清偿债务的能力,使其债权人的债权不能得到实现。该如何平衡受益权人和债权人的利益呢?本文在分析了英国、美国和台湾地区的相关规定的基础上,提出了我国应该以合理平衡保险受益权与投保人或被保险人债权人债权的利益关系的立法宗旨出发,在《保险法》以及相关司法解释里明确保险受益权的保护及限制的具体建议。In reality insurants may take the advantage of life insurance mechanism to present their property to beneficiaries in order to escape from their own debt,which results in the loss of paying off debt ability and their creditors' right cannot be realized. Then how are the benefit of beneficiaries and creditors balanced? Based on an analysis of the relevant regulations of Great Britain,the US and Taiwan,this paper puts forward that starting from the legislation purpose of balance the insurance beneficial right and the creditor's interest of insurants,the protection and restraints to insurance beneficial right should be made clear in 'Insurance Law' and other relevant legislative explanations.

关 键 词：保险受益权 债权 冲突 解决 

分 类 号：D92[政治法律—法学]