本文结合法律、法理、实践,从五个方面探讨了投保人违反告知义务情形下保险人行使合同解除权需要同时具备的主客观要件,为《保险法》的修改和司法实践提供借鉴。 Based on the law, jurisprudence and practice, this article explores the subjective and objective elements that need to be fulfilled by the insurer in the exercise of the right of rescission under the circumstance of the insured in violation of the obligation to inform from five aspects, and provides reference for the revision and judicial practice of the Insurance Law.