保险本质和功能的法学分析  

Legal Analysis of the Nature and Function of the Insurance

作　　者：叶林[1] 郭丹[2] 

机构地区：[1]中国人民大学法学院,北京100872 [2]黑龙江大学,黑龙江哈尔滨150080

出　　处：《法学杂志》2012年第8期31-39,共9页Law Science Magazine

基　　金：2010年度国家社科基金一般项目"资本市场统合趋势下中国金融服务法研究"(课题编号:10BFX066);2010年黑龙江省教育厅人文社会科学课题"金融消费者权益保护制度研究";2010年哈尔滨工业大学人文社会科学研究资助项目"金融服务法律制度比较研究:全球金融法制变革与中国的选择"的阶段性成果

摘　　要：保险在本质上是一种法律关系,不宜简单地归入合同或商业行为。保险以向被保险人提供保障为目的,有别于投资工具和射幸合同。在保险关系中,被保险人具有独特的地位,是保险法律关系的核心主体。被保险人的地位取决于保险合同约定,被保险人的权利义务内容却要兼顾法定主义调整方式的适用。学术界常将被保险人列为保险合同关系人,此种做法不利于准确表达保护被保险人利益的现代保险法思想。Insurance is a legal relationship in nature. It is inadvisable to be thought of a contract or commercial activity simply. The purpose of insurance is to provide ensuring to the insured. It is different form investment vehi- cles and aleatory contracts. The insured has its unique position and it is the core subject in the insurance relation- ship. The position of the insured is depended on the insurance contract. However, the content of fights and obliga- tions of the insured, it needs to make a balance between the contract and the application of the socialist legal ad- justment method. The insured is listed insurance contract relevant party in academia. It goes against to express the idea of modem insurance law of which to protect the interest of the insured exactly.

关 键 词：保险法 保险 保障性 被保险人 法定权利 

分 类 号：D922.284[政治法律—经济法学]