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我国现行保险法中对于保险标的之转让注重的是所有权的转移,实行的是“对人主义”为主兼采“对物主义”的立法模式。这样的规定不但不符合“损害为保险之反面”的保险原理,而且限制了商品的交易与流通。而在立法上采取经济性保险利益学说和“对物主义”对现行保险法关于保险标的转让的规定作相应的修改,则能较好地弥补我国保险法在保险标的转让上存在的弊端,较好地解决现实生活中因保险标的转让而引发的保险纠纷。
The current transfer of insurance in China’s current insurance law focuses on the transfer of ownership and the implementation of the legislative model of “humanism” and “materialism”. Such provisions not only do not meet the “damage insurance as the opposite” principle of insurance, but also limits the trading and circulation of goods. In the legislation to take the theory of economic insurance interests and “materialism ” on the existing insurance law on the transfer of insurance subject to the provisions of the corresponding amendments, it can better make up for the drawbacks of our insurance law in the transfer of the subject of insurance than Good solution to real life insurance due to the transfer of insurance caused by the dispute.