保险合同成立与生效时间对于保险当事人意义重大。对于签发保险单与保险合同成立之关系、预交保费的性质以及“空白期”内保险事故的责任承担问题,立法和司法学界向来歧义丛生,学说亦众说纷纭,本文在此对这些问题进行了简要的探讨,进而提出在实务中解决相关问题的建议。 The establishment and effective time of the insurance contract is of great significance to the insurance parties. For the issue of the relationship between the issuance of insurance policies and the insurance contract, the nature of the advance insurance premiums and the liability assumption of insurance accidents in the “blank period”, the legal and judicial circles have always been ambiguous, and their theories are also divided into different opinions. A brief discussion, and then put forward suggestions to solve the related problems in practice.