《保险研究》20241102-《保险概念的内涵及其法律适用分析》（岳卫）

［摘   要］作为商事交易行为的保险，除了包含“一方当事人支付费用”“另一方当事人基于偶然事实的发生而予以一定的金钱给付”“双方当事人的金钱给付互为对价关系”这三个要素外，还必须满足“给付与反向给付相均等原则”与“收支相等原则”，否则和社会保险并无差异。然而，这并不代表在保险合同法以及保险监管法的法律适用问题上，亦需绝对符合这两个原则。在某一产品是否属于保险合同法的规制对象这一问题上，“收支相等原则”不应作为构成要素予以考虑。而在其是否属于保险监管法的规制对象这一问题上，虽然原则上两者均需考量，但亦需要根据具体问题综合考量各因素才具合理性。

［关键词］保险；法律适用；给付与反对给付相均等原则；收支相等原则

［作者简介］岳卫，南京大学法学院副教授，研究方向：商事法、保险法。

Analysis of the Connotation and Legal Application of Insurance

YUE Wei

Abstract：Insurance as a commercial transaction,must meet the principles of “equality between payment and counter-payment ” and “equality between income and expenditure”,in addition to the three elements of “one party paying fees”,“the other party providing a certain amount of money based on the occurrence of accidental facts”,and “the monetary payments of both parties being mutual consideration”,otherwise it is no different from social insurance.However,this does not mean that these two principles must be met in the application of insurance contract law and insurance regulation laws.In determining whether a certain product falls under the regulation of insurance contract law,the principle of “equality between income and expenditure” should not be considered as a constitutive requirement.While determining whether  an insurance falls within the scope of insurance regulation laws,both principles need to be considered by principle,but a comprehensive assessment of various factors is necessary for the rational determination.

Key words：insurance;legal application;principle of equality between payment and counter-payment;principle of equality between income and expenditure