略论保险利益对道德危险的防范作用

保险利益是保险法中防范道德危险最直接、最有效的法律制度,不过其作用的发挥受到该制度具体内容的影响。要以对道德危险的防范为中心,探讨保险利益内涵的法律界定方式、该原则的效力范围以及人身保险中保险利益等颇具争议性的问题。通过对比国外立法经验和考查我国现行法律规定的不足,为我国保险法的完善提出建议。

The Function of Insurable Interest to Prevent Moral Hazards

Among all the available measures, insurable interest is the legal system that constitutes the most direct and effective system to prevent moral hazards. However, its function depends on the specific contenes focusins on these controversial issues in order to help with the imprivement of our Insurance Law. Moreover, far from being unique and unlimited, insurable interest ought to function with other relative systems together.