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保险代位权作为舶来品,自中国保险法颁布以来已存在有二十余年,然而我国保险法关于保险代位权的规定并不详尽,其理论基础和实际效果备受争议。通过对保险代位权法定代位主义和约定代位主义进行比较,认为保险代位权制度可以进行修改和完善,而没有必要一味废除。基于我国民法意思自治的基本原则和国外保险代位权约定代位主义的立法典范,主
Insurance Subrogation, as a foreign product, has been in existence for more than 20 years since the promulgation of the Chinese Insurance Law. However, the stipulation of insurance subrogation in our country’s insurance law is not exhaustive, and the theoretical basis and actual results are in dispute. By comparing the legal subrogation and the subrogation of insurance subrogation, we think that the insurance subrogation system can be modified and perfected without unnecessary abstention. Based on the basic principles of the autonomy of civil law in our country and the legislative subrogation of foreign insurance,