论责任保险的第三人利益属性——解析新《保险法》第六十五条  

On the Property of the Third Party Interests in the liability Insurance——an analysis of the 65th article of the revised"Insurance Law"

作　　者：姜南[1] 

机构地区：[1]河北经贸大学,河北石家庄050061

出　　处：《保险研究》2009年第12期105-109,共5页Insurance Studies

摘　　要：责任保险的作用不仅在于弥补被保险人对第三人承担民事责任而遭受的损失,而且具有保障受害第三人充分、及时获偿的公益功能。在我国现行《保险法》中,责任保险制度规定的较为简单,欠缺实践中的操作性。新修订的《保险法》进一步明确了责任保险的第三人利益属性,增加了保险人直接向受害第三人赔付的法定条件、第三人的直接请求权以及保险人对保险金的留置义务,具有很强的进步性。只是在立法与实务的某些细节方面还有待于进一步完善。The role of liability insurance is not only to indemnify the insured for his or her losses for bearing civil liability to the third party, but also guarantees the damaged third party get full compensation as soon as possible. Under China＇s current Insurance Law, the provision on liability insurance is quite simple and lacks feasibility in practice. The revised Insurance Law further clarifies the property of the third party interest, and adds the legal conditions of the insurer＇s direct compensation to the damaged third party,the third party＇s direct right of claim and the insurer＇s duty of lien. It has made much progress though some details still need to be enhanced.

关 键 词：责任保险 第三人利益 直接请求权 留置义务 

分 类 号：D922.284[政治法律—经济法学]