摘要
保单现金价值强制执行的研究为分析保单现金价值是否构成投保人的破产财产提供了基础。司法实践中,主张保单现金价值归属于保险人的少数见解并无说服力,法院将投保人行使解除权作为保险人给付保单现金价值所附条件的解释不具合理性。若投保人放弃了变更受益人的处分权,保单现金价值就属于受益人所有。人寿保险合同的财产合同性质使其不会受到人身专属性的限制而无法被归入破产财产。投保人被法院宣告破产后,破产管理人可行使保险合同解除权将保单现金价值纳入破产财产。以平衡保护受益人利益为目标的介入权制度体系是以《民法典》上的第三人代为履行制度为依托,且在立足实践经验的基础上仍有必要借鉴德国法关于介入权主体、介入期限的规定。
Studies on the enforcement of policy cash value provide a basis for analyzing whether the policy cash value constitutes the bankruptcy estate of the policyholder.A few opinions in the judicial practice which advocate that the cash value of the policy is attributed to the insurer are not persuasive;the court's interpretation of the policyholder's exercise of the right to rescind as a condition attached to the insurer's payment of the cash value of the policy is not reasonable.However,if the policyholder waives the right of disposition to change the beneficiary,the cash value of the policy belongs to the beneficiary.The property contract nature of the life insurance contract does not prevent it from being classified as part of the bankruptcy estate due to the limitation of personal exclusivity.After the policyholder is declared bankrupt,the insolvency administrator may exercise the right of discharge of the insurance contract to include the cash value of the policy in the insolvency estate.The Chinese feature of the right of intervention system aiming at balanced protection of the interests of the beneficiaries is that it is based on the third party performance system of the Civil Code.The right of intervention system,which aims at balanced protection of the interests of beneficiaries,is characterized by the third-party performance system of the Civil Code,and on the basis of practical experience,it is still necessary to draw on the provisions of the German law in respect of the subject of the right of intervention and the period of intervention.
作者
李飞
Li Fei(School of Law,Nankai University,Tianjin 300350)
出处
《宁夏社会科学》
北大核心
2024年第4期154-165,共12页
NingXia Social Sciences
基金
韩国崔钟贤学术院、南开大学亚洲研究中心资助研究课题“以金融消费者保护为指向的公平待客监管机制研究”(项目编号:AS2318)。
关键词
保单现金价值
破产财产
破产管理人
保险合同解除权
受益人介入权
cash value of insurance policy
insolvency estate
insolvency administrator
right to terminate insurance contract
beneficiary's intervention right
