论保险代位求偿权的法律性质

保险代位求偿权是财产保险的一项重要法律制度，源自赔偿合同原则。财产保险合同本质上是一种赔偿合同，如果被保险人所遭受的财产损失，已通过保险合同得到补偿，那么，被保险人因该损失而在法律上可获得的减轻或弥补损失的救济和利益便应归保险人，否则，被保险人就可能获得过量补偿而诱发道德风险。中国保险法在借鉴英国海上保险法保险代位求偿制度的基础上，将保险代位求偿权定性为法定债权转让，并考虑到中国的实际情况，通过最高人民法院的司法解释对保险代位求偿权作出了延伸保护。

On the nature of the right of subrogation in insurance law

Subrogation is one of the most important regimes in property insurance based on the principle of indemnity. Contract of property insurance is a contract of indemnity in essence. As a general rule of contract of indemnity, the insurer, upon having paid the loss, is entitled to succeed to all the ways and means by which the person indemnified （ the insured ） might have protected himself against or reimbursed himself for the losses, otherwise it will induce moral risks and let the person in- demnified obtain double recovery. Chinese property insurance law defines the right of insurance subrogation as a statutory as- signment of claim, which is not the same as the relevant English marine insurance law. Meanwhile, the judicial interpreta- tions by the Supreme People＇ s Court of China further extend protection of right of insurance subrogation in view of the reality in China.