《保险研究》20251001-《保险法30周年：理论演进与实践嬗变》（任自力、赵盈泽）

［摘   要］1995年《保险法》出台至今，已历经四次修订，每次修订都具有特定的时代背景，并呈现出从宏观框架构建到微观规则细化、从注重保险市场发展到风险防范与保险当事人权益保护并重的发展脉络，保险法的相关理论研究也伴随着保险实践的发展不断革新、深化。《保险法》作为规范保险市场运行的基本法律，在奠定中国保险市场规则基础、推动行业市场化进程、强化消费者权益保护、扩大市场对外开放、促进保险市场繁荣等方面产生了深刻影响。目前，《保险法》部分条文的滞后性、模糊性与缺位性问题日益凸显。《保险法》新一轮的修订，应对上述问题予以回应，通过加强与其他法律规范的衔接、完善制度以响应保险市场新需求、充分保障保险消费者合法权益并优化保险监管规则体系，从而实现立法与市场的良性互动。

［关键词］《保险法》修订；基本原则；保险市场；保险消费者；监管规则

［基金项目］本文为中央高校基础科研业务费项目“国家治理现代化与养老保险法制完善研究”(KG16184301)的阶段性研究成果。

［作者简介］任自力，北京航空航天大学法学院教授、博士生导师，研究方向：保险法、商法；赵盈泽，北京航空航天大学法学院博士研究生。

The 30th Anniversary of the Insurance Law:Theoretical Evolution and Practical Transformation

REN Zi-Li,ZHAO Ying-Ze

Abstract：Since the promulgation of the Insurance Law in 1995,it has undergone four revisions.Each revision has a specific historical background and shows a development trajectory from the construction of a macro framework to the refinement of micro rules,and from focusing on the development of the insurance market to the equal emphasis on risk prevention and the protection of the rights and interests of insurance parties.During the same period,the theoretical research on the Insurance Law has also been constantly innovated and deepened along with the development of insurance practices.As the basic law regulating the operation of the insurance market,the Insurance Law has had a profound impact on laying the foundation of rules for China’s insurance market,promoting the marketization process of the industry,strengthening the protection of consumers’ rights and interests,expanding market openness,and promoting the prosperity of the insurance market.Currently,the lagging,ambiguity and absence of some provisions in the Insurance Law have become increasingly prominent.The new round of revision of the Insurance Law should respond to the above problems,strengthening the connection with other legal norms,improving the system to meet the new demands of the insurance market,fully protecting the legitimate rights and interests of insurance consumers,and optimizing the regulatory rules system of the insurance industry,so as to achieve a positive interaction between legislation and the market.

Key words：revisions to the Insurance Law;basic principles;insurance market;insurance consumers;regulatory rules