本文针对我国现行保险法律法规未对近因原则进行约定,而实践中广泛适用的情况进行深入研究,论述了近因原则在适用过程中的疑难问题,并提出我国当前应通过立法、保险条款的完善及司法解释等途径确定近因原则,以促进保险纠纷处理原则的合法适用。 In the light of the fact that the current laws and regulations of insurance in our country are not agreed on the principle of proximate cause and the application in practice is extensively studied, the difficult problems in applying the principle of proximate cause are discussed. At the same time, the author puts forward that our country should pass the provisions of legislation and insurance Perfect and judicial interpretation and other ways to determine the principle of proximity to promote the legal application of the principle of insurance disputes.