作　　者： ;

机构地区： 中南财经政法大学法学院

出　　处： 《保险研究》 2017年第10期118-127,共10页

摘　　要： 在《最高人民法院关于适用〈中华人民共和国保险法〉若干问题的解释(三)》(以下简称"《司法解释(三)》")第九条出台之后,保险金遗产化还是非遗产化的立法选择争议再一次被推上热潮。所谓遗产化选择是指,在受益人缺失时,保险事故发生之后,将保险金当作被保险人遗产处理,而非遗产化则是依然按照受益人受领保险金的方式处理。我国一直以来所确立的都是遗产化的立法路径,但是此立法选择下的实施成效却往往与被保险人真意相违,保险的功能效用也难以实现。本文以保险制度为根基,在探求被保险人内心真意的基础上,权衡受益人与债权人之利益保护,论证"去遗产化"处理为死亡保险金立法路径之最佳选择,并对《保险法》第四十二条提出修改意见,以期推进我国保险法受益人制度之完善。 The issuance of Article 9 of the ＂The Interpretation of Supreme People＇s Court on Several Issues Concerning the Application of the Insurance Law of the People＇s Republic of China（ Three） ＂（ hereinafter referred to as Judicial Interpretation Three）,made the question of insurance benefits as heritage or not in legislation become the focus of controversy once again. The so-called heritage selection means,in the absence of the beneficiary,after insurance accident happens,the insurance benefits will be treated as the heritage of the insured. However,under the situation of non-heritage selection,insurance benefits will be paid out to the beneficiary. China has always followed the heritage path in legislation,but the effectiveness of its implementation is often contrary to the true intent of the insured. Therefore,the function of insurance cannot be achieved. Based on the insurance system,this article researched on the true intent of the insured,tried to balance the protection of interests of creditors and insurance beneficiaries,and elaborated on ＂de-heritage＂as the best legislative path for insurance benefits. It then put forward suggestions on the readjustment of Article 42 of the ＂Insurance Law＂,aiming to improve on China＇s insurance beneficiary system.

关 键 词： 人寿保险 死亡保险金 去遗产化 受益人

领　　域： [政治法律—经济法学] [政治法律—法学]