寿险保单持有人制度研究  

A Study of the System of Life Insurance Policyholder

作　　者：涂帅[1,2] TU Shuai

机构地区：[1]对外经济贸易大学保险产业政策与法律研究中心,北京100029 [2]对外经济贸易大学保卫部,北京100029

出　　处：《金融论坛》2021年第12期39-47,共9页Finance Forum

摘　　要：保险法中的寿险保单持有人是一个集债权、物权、公司治理权为一体,横跨民事和商事法律关系的权利综合体,其法律地位源于合同约定,并由保单和保险公司备案予以确认。寿险保单持有人既是保险合同的主要当事人,又是保险合同——保单的所有权人,同时还是保险公司的所有权人和治理人。面对立法与实践的错位、两大法系的张力以及公司治理价值理念的变化,《保险法》应建构以保单所有权为核心,以受益人指定变更权、保单转让权、公司治理权等权利为主要内容的寿险保单持有人制度,以回应保险行业发展和保险司法裁判的现实需求。The life insurance policy holder in insurance law is a complex of rights that integrates creditor’s rights, property rights, and corporate governance rights, and related with civil and commercial legal relationships. Its legal status originates from contractual agreements and is recorded and confirmed by insurance policy and insurance company. A life insurance policyholder is both a main party to the insurance contract and an owner of the insurance contract-the policy, as well as an owner and manager of the insurance company. Facing the contradictions between legislation and practice, the tension between two legal systems, and the changes in the concept of corporate governance value, the Insurance Law should construct the life insurance policyholder system with policy ownership as the core, and the rights of changing named beneficiary, transferring insurance policy and corporate governance as the main contents, so as to respond to realistic demands for insurance industry development and insurance judicial adjudication.

关 键 词：寿险保单 保单持有人 保险合同 保险法 

分 类 号：K12[历史地理—历史学]