保险法中转让问题研究

2009年2月28日,第十一届全国人民代表大会常务委员会第七次会议对保险法进行了修订,其中新增的关于保险合同随保险标的转让的规定引人瞩目。然而,何为保险标的转让,保险合同的转让是否需要被保险人和受让人达成协议,保险合同转让后保险人如何管理风险,保险合同转让能否替代保险金请求权转让等问题都需要进一步澄清。本文对此进行了探讨,并提出了自己的看法。

Transfer in Insurance Law

On February 28,2008,the 7th Session of the 11th People's Congress approved amendments to the Insurance Law.The newly addition provision on transfer of insurance contract with the transfer of the insurance subject matter caught wide attention.However,more clarification should be made,namely,what is the exact definition of the transfer of insurance subject matter,whether the insured and the transferee should reach prior agreement for insurance contract transfer,how does the insurer manage the insurance risk a...