论我国的保险代位求偿制度  

Discussion on Insurance Subrogation System in China

作　　者：张伟[1] 

机构地区：[1]贵州民族学院,贵州贵阳550025

出　　处：《廊坊师范学院学报（自然科学版）》2011年第2期78-80,共3页Journal of Langfang Normal University(Natural Science Edition)

摘　　要：保险代位求偿制度是我国保险法的一项基本制度,充分发挥该制度的作用,能够为被保险人的利益提供双重保障,保证被保险人的利益损失得以充分补偿。与此同时,保险代位求偿制度也能够起到防止被保险人因保险赔偿而过分受益,导致不当得利的情况发生。但是,保险代位求偿制度也并非是至善至美的,通过对保险代位求偿制度的深入分析,发现其中存在诸多的不足,应加快立法完善,以充分发挥保险代位求偿制度的功能,促进我国保险业市场的健康、快速发展。Insurance for subrogation system is a basic system depends in our country.Playing the role of the system Fully is providing a double protection for the interests and getting the compensation fully of the insured.At the same time,the insurance for subrogation system can to prevent the insured by insurance,too,have led to the benefit of the situation to happen.however,the insurance for subrogation system is not good to the beauty of this article by the insurance on behalf of the system of subrogation,i find there are still the great deficiencies.therefore,I look forward to the generation of subrogation legislation to improve the system,the best insurance for subrogation system,facilitate our insurance.

关 键 词：保险代位求偿权 适用范围 保险业 

分 类 号：D922.24[政治法律—经济法学]