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财产保险的合同转让制度对于整个保险系统都具有举足轻重的作用。在实际操作中,常常会因为相应法律发展的滞后、相关法律对财产保险合同转让制度的规定并不健全、在财产保险合同进行转让的过程中缺乏对内涵和条件等因素的明确规定,经常会严重约束相关实践的发展。本文在借鉴分析各国处理财产保险纠纷的经验的同时,立足实践,对财产保险合同转让的含义、转让的条件以及转让的方式进行了一定的探讨,并立求可以从其中寻得一定有意启示。
The system of contractual transfer of property insurance plays a decisive role for the entire insurance system. In practice, often due to the lag of the development of the corresponding law, the relevant laws on the property insurance contract transfer system is not perfect, the transfer of property insurance contracts in the process of the lack of content and conditions and other factors clearly defined, often Serious constraints related to the development of the practice. Based on the experience of handling the property insurance disputes in various countries, this paper explores the meaning of the transfer of property insurance contracts, the conditions of the transfer and the mode of the transfer based on the practice. At the same time, I can seek some enlightenment from them.