文档介绍：摘要
中华人民共和国保险法自年月日实施以来作为行业的基本大
法对我国保险业有着重要的指导作用直接关系到整个行业的健康发展尤其
是在中国加入 WTO 之后保险法迫切需要与国际接轨符合 WTO 的基本原则
本文从保单所有人这个小的概念入手对照英美保险法的相关规定及通行保
险惯例与我国保险法律及实务希望能够看出我国保险法的几个尚需完善之
处阐明一些基本的保险原理提供少许分析和解决保险法律问题的途径
本文开篇提出保险合同是财产的观点进一步指出投保人自然成为保单所有
人获得所有权权利在第二章本文详细阐述了终身寿险保单所有人的所有权
权利其中指定及变更受益人拥有保单现金价值所有权和将保单权益进行全部
或部分转让是相对来讲最重要的几个部分尽管由于篇幅所限本文并没有深入
探究保单所有人的义务但义务作为权利在法律上的对称关系是所有权关系中
不可或缺的一部分此外保单所有人之外的人也会对保单享有利益本文第三
部分的论述充分体现了保单所有人所有权的相对性和可分离性第四部分的论述
集中于我国保险法律和实务与英美保险法律及惯例在保单所有人方面的比较分
析建议在我国保险法中增加有关保单所有人的内容
1
Abstract
Since the Insurance Law of People’s Republic China took into effect on October 1, 1995,
it has been directing the healthy development of China’s insurance industry. Especially
after China’s entry into WTO, the insurance law needs to obey the principles of the
organization. By discussing the concept of “policyowner” paring the provisions
of western insurance laws and the prevailing insurance practices with those of China’s,
the paper aims at illustrating some basic insurance principles, indicating a few problems
in China’s insurance law and giving some ways of analyzing and solving insurance
issues.

At the beginning, we point out that insurance contract is a property and an applicant
naturally es a policyowner who is entitled with the ownership rights. The second
chapter illustrates the ownership rights of a policyowner of permanent life insurance,
among which naming and changing beneficiaries, owning the cash value of the policy
and making assignment are the most important ones. Because of the space limitation,
we don’t discuss about the obligations of a policyowner. However, the obligations are
indispensable part of ownership. In addition, parties other than the policyowner can also
have interests in the policy. The third chapter explains the relativity and separability of
the policyowner’s ownership. The fourth chapter focuses on parative analysis of
regulations and practices of western insuranc