保险人的追偿权与代位权之比较研究  

The Comparative Studies on Insurer′s Rights of Recovery and Subrogation

作　　者：何绍慰[1] 

机构地区：[1]河南大学经济研究所,河南开封475004

出　　处：《科学．经济．社会》2009年第4期45-47,51,共4页Science Economy Society

基　　金：国家社会科学基金项目"产品质量保证保险机制在我国产品质量安全管理中的应用研究"(09CJY090);河南省教育科学"十一五"规划项目"保证保险机制在高校贫困生助学贷款风险防范中的应用研究"(2008-JKGHAGH-226)的阶段性成果

摘　　要：虽然追偿权与代位权在为保险人挽回经济损失方面具有共同性,但保险人的追偿权通常源于保证保险的固有性质,而代位权实质上是普通商业财产保险中被保险人对第三方索赔权利的法定移转,它们在适用对象、理论基础、法律性质、适用条件、实施程序和实际效果等诸多方面都存在显著区别。正确区分追偿权与代位权,切实矫正当前普遍存在的以代位求偿模式行使追偿权利的错误倾向,是提高追偿效率、维护保险人正当追偿权益的现实需要。Although the rights of recovery and the rights of subrogation has the same meaning in retrieving insurer＇s economic losses, but the rights of recovery usually comes from the inherent feature of surety bonds, and the rights of subrogation is essentially the statutory transfer of insurer＇s rights to demand compensation from third parties in common commercial property insurance. There exists marked differences between the rights of recovery and the rights of subrogation in applicable objects, theoretical principles, legal nature, applied conditions, operational procedures, and actual effects. It realistic requirements of improving the efficiency of recovery and fully safeguarding the interests of recovery for insurer to distinguish recovery from subrogation correctly, and to put a stop to the universal existed erroneous tendency resolutely of exercising the rights of recovery according to the Ways ＆ Means of subrogation.

关 键 词：追偿权 代位权 保证保险 全面补偿协议 

分 类 号：F840[经济管理—保险]