【作者】 李建军；

【导师】 曾彤；

【作者基本信息】 四川大学 ， 法律， 2004， 硕士

【摘要】 我国自95年颁布施行保险法几年来，保险业内部结构和外部环境发生了巨大变化。为了适应这种变化，保险法于2002年10月28日进行了修订，但其修订重点是《保险法》中的保险业法部分，主要内容为履行入世承诺，对外资保险公司准入、保险资金的科学运用、强化监管、防范和降低保险风险等方面做出规定。对保险司法实践中出现的一些突出问题，在保险合同法部分并未作实质性修改，导致保险法的适用性降低。本文在借鉴学者已有论述的基础上，通过对中外保险立法例的比较，进一步明确了受益人的定义和受益权的性质，提出了善意受益人的概念，认为在存在多数受益人的情况下，如单个受益人丧失受益权，保险人不能免除给付保险金的责任，并对被保险人和受益人同时死亡、被保险人故意杀害受益人、单个受益人请求权的行使超过时效后对其他受益人受益权的影响等问题等进行了探讨，并提出了立法改进建议，以期能对我国尽早制订和完善保险法司法解释有所裨益。 对受益人受益权的关联性进行分析，必须应明确受益人的定义和受益权的产生及性质。本文共分七章，第一章通过对受益人概念的深入分析，明确了受益人并非仅是被保险人死亡时享有保险金给付权的人，在生存保险等其他非死亡保险中，同样可以指定受益人，并进一步通过对受益人的法律特征和分类的分析，引出指定受益人和法定受益人、原始受益人和后继受益人等几对常用概念，为下文的讨论作出铺垫。第二章着重讨论了受益人的资格，认为在财产保险中，也有保险受益人制度存在的必要，并对受益人是否也须具有保险利益作出回答，认为我国保险法实行的“列举加同意”方法比较合理。第三章是受益人的产生，受益人通过投保人或受益人的指定而产生，本章讨论了受益人的指定方法和指定时间及保险法对指定人的身份限制等到问题。第四章受益人指定中的冲突进行分析。受益人受益权来自投保人或被保险人的指定，指定中的冲突必将影响到受益权的实现，故对受益人指定中的法律冲突作出讨论十分必要，第五章是对保险受益权性质的分析，认为保险权是原始取得的权利，在保险事故发生前，受益权不是期待权，仅是处于一种期待地位而己，在保险事故发生后，受益权成为既得的财产权。第六章，各受益人受益权实现的关联性分析，该章是本文的重点。主要讨论了单个受益人受益权丧失、放弃以及单个受益人请求权的行使超过时效后对其他受益人时受益权的影响，被保险人与受益人同时死亡时保险金的给付等问题。第七章，对引言中的案例作出评析，并提出了立法改进建议，认为单一受益人受益权丧失后，保险人不能免除给付保险金的责任，保险受益人与被保险人同时死亡时，应视为受益人先于被保险人死亡，如同时死亡各方互为受益人，则互不发生给付保险金的权利，如有其他受益人存在，由其他受益人按约定方式享有请求权，如无其他受益人存在，则按继承法的规定依法予以分配。关键词:受益权善意受益人人身保险更多还原

【Abstract】 Great changes have taken place in insurance internal structure and external environment since the implementation of our insurance law in 1995. In order to adapt to these changes, the National People’s Congress made revision on Insurance Law on 28th of Oct 2002. The key revision is on the law of insurance profession; the main contents are the stipulations on the aspects of consent to WTO entry, admission of foreign insurance company, scientific application of insurance fund, supervision strengthening, prevention and minimization of insurance risks, but some outstanding issues appeared in the insurance judicatory practice, which have not been substantially revised in the law of insurance contract and resulted in the debase of application of insurance law. This thesis further expound the definition of the beneficiary, nature of beneficial right and put forward the concept of goodwill beneficiary by referring to the scholar’ s existing theory through comparison of Chinese and foreign insurance cases. The thesis probed into some issues that, under the circumstance of co-existence of multi-beneficiaries, if the individual beneficiary forfeited the beneficial right, the insurer can not be discharged the liability of insurance payment, and research of the impact on beneficial right of the beneficiary in case the insured and the beneficiary passed away simultaneously, the insured murdered the beneficiary intentionally, the claim right of individual beneficiary beyond the prescriptive time. Furthermore, put forward suggestions on legislation improvement and expect to provide some help to the early formulation and perfection of judicial interpretation on insurance law.To analyze the interrelation of beneficial right of the beneficiary, it is necessaryto clarify the definition of the beneficiary and the nature of beneficial right. This thesis contains seven chapters. In chapter 1, through deeply analysis on the definition of the beneficiary, the author expounds that the beneficiary is not only the person who enjoys the right of claim over the insurance benefit when the insured passed away, but also enjoyed benefits when the stipulated insurance accident occurred in the survival insurance. Through further analysis on the legal characteristic and category of the beneficiary, make derivation of several common concepts such as appointed beneficiary and statutory beneficiary or original beneficiary and secondary beneficiary to prepare for the further discussion. In chapter 2, the author pays the emphasis on the qualification of the beneficiary and considers that it is a necessity of the existence of insurance beneficiary system in the property insurance, and reply on the question whether the beneficiary possess the insurance benefit,and it is reasonable to adopt enumeration and consent method in our insurance law. In chapter 3, the author analyses on the emergence of the beneficiary ,the beneficiary come into being from the appointment by the applicant or the insured .in this chapter ,the author set force the appoint method and appoint time of beneficiary ,and the restriction to the appointor in our insurance law. chapter 4 is the analysis on the conflict of beneficiary appointment ,the beneficiary right of beneficiary is originated from the appointment of the applicant or the insured. as the conflict during the designation would influence the realization of the beneficial right, therefore, it is necessary to come up for a discussion for the legal conflict in the beneficiary designation. In chapter 5, the author analyses on the nature of the insurance beneficial right and considers that the insurance right is an original obtained right. The beneficial right can only take an expectation position before the occurrence of insurance accident, but not an expectation right. The beneficial right will turn into the property right after the occurrence of insurance accident. Chapter 6 is the key part of this thesis, which analyses on the interrelation of the realization of the beneficial right. It focuses on the impact on the beneficial right更多还原