财产保险合同是投保人与保险人约定的以财产及其有关利益为保险标的的协议。财产保险合同主要以补偿或者填补财产的实际损失为目的,也被称为“损失保险”,因而贯彻损失填补原则。损失补偿原则在保险法尤其是财产保险制度中占有极为重要的地位,保险金额的确定、超额保险的禁止、复保险的分摊以及保险代位求偿权制度,都是依据损失补偿原则而产生。
笔者分别从财产保险合同与人身保险合同两方面对这一问题进行了论述。
I have approached this question from two aspects: the property insurance contract and the life insurance contract.
财产保险合同的成立要件、生效原因、终止时间与其他合同比较有明显的特殊性。
Compared to other kind of contracts, the components, the reasons it goes into effect, as well as its duration all has an obvious character.
国内外有学者认为,受益人仅于人身保险合同中存在,财产保险合同中则不可能有。
Some scholars at home and abroad hold that the term of beneficiary exists only in life insurance contract instead of property insurance contract.
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