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信用保险的第三人(买方)虽然与信用保险合同没有直接联系,但却是信用保险的前提和关键,是信用保险利益的基础,也是信用风险的主要来源和具体载体。我国现行保险法将受益人的适用范围仅限于人身保险,是否在财产保险中设置受益人存在争议。一些国家和地区已经逐步明确地承认了受益人在财产保险中的法律地位,表明了财产保险受益人在立法和司法实践中的可行性。在信用保险中引入受益人制度具有现实和理论必要性。
Although the third party (buyer) of credit insurance has no direct contact with the credit insurance contract, it is the premise and key of credit insurance. It is the basis of the credit insurance and the main source and carrier of credit risk. The current insurance law in our country limits the scope of the beneficiaries to life insurance and whether there is any dispute about setting beneficiaries in the property insurance. Some countries and regions have gradually and clearly recognized the legal status of beneficiaries in property insurance and have shown the feasibility of using property insurance beneficiaries in the legislative and judicial practice. The introduction of the beneficiary system in credit insurance is both realistic and theoretically necessary.