Right of subrogation is given to the insurer in insurance contract on property, which should be applied according to the law.

保险代位求偿权是保险人在财产保险合同中所享有的一项权利，其行使须符合法律规定的条件。

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Some scholars at home and abroad hold that the term of beneficiary exists only in life insurance contract instead of property insurance contract.

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。

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Property insurance is defined as financial service industry which specially makes the subject matter of the contract to cover insurance and provides guarantee to the insurancer.

财产保险业务是一种专门以合同标的物自身财产风险作为投保对象，为投保人提供有效保障的金融服务产业。

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