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保险业的飞速发展,使再保险成为保险市场中分散风险最重要的手段。健全和完善我国再保险制度,对于促进保险业的稳定发展具有重要意义。目前国内外,对于再保险中原被保险人直接请求权的问题立场不同,本文试图通过渐进式分析对此展开论述,共分为三部分:首先,分析我国原被保险人直接请求权的发展现状,认识到应当赋予原被保险人该项权利;其次,从再保险合同的性质、目的、再保险的社会价值、我国再保险业的发展现状四个方面分析赋予原被保险人直接请求权的正当性;最后,通过分析域外相关立法实践,论述对我国保险法修改的启发。
The rapid development of the insurance industry makes reinsurance the most important means of diversifying risks in the insurance market. Improving and perfecting China’s reinsurance system is of great significance to promoting the stable development of the insurance industry. At present, at home and abroad, there are different positions on the direct claims of the insured persons in the Central Plains reinsurance. This article attempts to discuss this through the progressive analysis, which is divided into three parts: Firstly, the author analyzes the current situation of the direct claims of the insured in our country, And recognize the right of the original insured; Secondly, analyze the legitimacy of the direct claim granted to the original insured person from four aspects: the nature and purpose of the reinsurance contract, the social value of the reinsurance and the development status of the reinsurance in our country. Finally, , Through the analysis of extraterritorial relevant legislative practice, expounds the enlightenment of our country’s insurance law revision.