我国保险法确立了人身保险中的保险受益人制度,但是对于在财产保险中能否适用及如何适用未作规定。随着现代保险业的发展,实务中因财产保险受益人的法律缺位造成了不少投保及理赔困境,一些地方在财产保险合同中也适用受益人制度进行处理。相关理论研究也随之兴起,使得保险受益人的范围界定成为一个社会热点问题。 China’s insurance law has established the system of beneficiaries of insurance in life insurance, but there is no stipulation about whether it can be applied in property insurance and how to apply it. With the development of modern insurance industry, many cases of insuring and settling claims have been caused by the absence of law due to the beneficiaries of property insurance in practice. Some places also apply the system of beneficiaries in property insurance contracts. Related theoretical research also arises, making the scope of insurance beneficiaries become a social hot issues.