【摘要】 保单现金价值为人寿保险合同约定的一种特殊权益。不论人寿保险合同的效力如何变动,保单现金价值始终为合同约定的、有别于保险费和保险金的给付利益。我国保险法对保单现金价值的权利人未作明确表达,理论和实务普遍认为保单现金价值属于投保人,并相应造成人寿保险合同项下的权利义务配置的理论和制度错位。权利义务配置的结构性差异是解释保单现金价值归属的立足点。投保人不是保单现金价值的"固有"权利人,保单现金价值归属于哪一主体,应以保险法的规定或保险合同的约定为依据。按照保险法等相关法律文本所规定的"按照合同约定"来解释保单现金价值归属,有助于构造和落实保单现金价值免受执行的社会公共政策,并有益于维持人寿保险的有效性以促进人寿保险业的生存和发展。更多还原

【Abstract】 Cash value,as a special interest stipulated in a life insurance contract,is always the contractually agreed benefit,which is different from the premium and insurance money,regardless of the change in the validity of the life insurance contract.Chinese insurance law does not clearly state who has the right to the cash value,but theorists and practitioners generally believe that the cash value belongs to the policy-holder,thus resulting in the dislocation between the theory and the system of the allocation of rights and obligations under life insurance contract.The structural difference in the allocation of insurance rights and obligations is the foothold for explaining the attribution of the cash value of an insurance policy.The policy-holder is not the"inherent"right holder of the cash value.The determination of the question of whom the cash value belongs to should be based on the provisions of the Insurance Law or the insurance contract.Establishing the idea of explaining the attribution of cash value"according to contractual agreement"would help to construct and implement the social public policy of the cash value exempted from execution,and be beneficial to maintaining the effectiveness of life insurance and promoting the survival and development of the life insurance industry.更多还原