论海上保险中的“仓至仓” 条款与中国保险利益界定原则之冲突及对策.pdfVIP

22 3 中 国 海 商 法 年 刊 Vo l . 22　N o. 3 2011 9 Annual of China Maritime Law Sep . 2011 . [ J] . , 20 11, 22( 3) : 86-9 1. 王爱玲 ( , 266062) : 海上保险中“仓至仓”条款是保险人通用的海上货物运输保险责任期间条款, 保险利益界定原则是保险赔 在买卖双方之间的限定原则, 其宗旨为防止 “道德风险”。中国目前以风险承担界定买卖双方之间的保险利益。针 对两者存在冲突而导致买卖双方均无法索赔的不合理现象, 深入分析两者冲突的情形、原因、现有界定原则的法律 依据、中国保险利益的含义, 对现有界定原则予以质疑并提出对策, 认为应当以实际损失承担界定买卖双方之间的 保险利益。 : “仓至仓”条款; 风险承担; 保险利益; 实际损失承担 : DF 961. 9　　: A : 1003-7659-( 20 11) 03-0086-06 The confl ict between the Warehous e to Warehouse cl ause of marine insurance and the definition pri nciple of insurable i nterest in China and the countermeasures WA N G A -l ng ( Q ngdao M ar t me Cour t , Q ng da o 266062, Ch na) : Abstract T he Wa rehou se to War ehou se clau se of mar ne nsur ance s the co mmo n l ab l ty per od clau se dur ng mar ne carg o car r age u sed by the nsur er . T he def n t on pr nc ple of nsur able nter est s how t o def ne the nsura ble compensa t o n betw een the seller and the buyer , w h ch a m s to prev ent the m or al r sk . Ch na adopts the assumpt on of r sk t o def ne the nsur able nt er est bet w een the seller and the buy er. Becau se o f the potent al confl ct betw een the W / W clause and the def n t on pr nc ple, both the seller and the buy er can not get the co mpensat on fr om the nsur er. In v ew o f the undes r able s tuat o n , th s paper analy zes t he co nd t o n , the r eason o f the confl ct and the legal bas s o f t