受益人作为我国《保险法》中人身保险合同的特定主体之一,在理论与实践中屡有争辩和分歧。明确受益人与被保险人的保险利益关系,完善指定以及变更指定受益人的形式要件,以保证受益人的义务履行能力,对我国保险业的正确发展,保险纠纷的解决都有重大意义。 As one of the specific subjects of the life insurance contract in the “Insurance Law” of our country, beneficiaries often argue and disagree in theory and practice. Clarifying the insurance interest relationship between the beneficiary and the insured, perfecting the designation and changing the formal requirements of the designated beneficiaries so as to ensure that the beneficiaries’ ability to perform their duties are of great significance to the correct development of our insurance industry and the settlement of insurance disputes.