在保险合同成立前的空白期内,预收了保险费的保险人是否需要承担责任;如果承担责任,其责任性质如何;以及空白期内责任免除的格式条款是否有效;这些问题在2009年修订的《保险法》中仍然是立法盲点,从理论上探讨分析仍有必要。 Whether the insurer who paid the premium in advance takes up the blanks during the blanking period before the insurance contract is established, what the nature of the liability is if the liability is assumed, and whether the terms of the form of liability waivers during the blanks are valid. These questions were revised in 2009 The Insurance Law is still the blind spot of legislation. It is still necessary to probe into and analyze the theory.