信用保险赔偿受益权转让中的法律争议与规范路径

赔偿受益权转让时,保险金请求权是否一并转让,是信用保险实务中的争议焦点。理论上,如无特别约定,该转让不涵盖保险金请求权。该问题的产生源于相关当事人将赔偿受益权转让视为保险公司提供担保,在操作上违背了信用保险的特有规程。问题的解决应着眼于信用保险的特殊性:在制度完善上,《保险法》应增加信用保险相关规定,制定专项行政法规;在实践中,债权人、银行应正确认识信用保险的性质、责任范围和风险防范功能,保险公司规范开展承保和理赔活动,完善保险条款。

Legal Dispute and Regulation Method in Beneficial Right Transfer of Credit Insurance Compensation

Whether the beneficial right of credit insurance and the claim right of insurance should be transferred together or not has always been controversial.Theoretically,the transfer includes only the right to receive insurance benefits unless otherwise agreed.The dispute arises from the parties regarding credit insurance as the guarantee provided by the insurance company and failing to comply with the special operating procedure on credit insurance.Solutions to this problem should focus on the particularity of credit insurance,which includes adding relevant provision on credit insurance in Insurance Law and conducting special administrative regulations.Besides,creditors and banks should correctly understand the nature,responsibility scope and risk prevention function of credit insurance to improve the security of creditor’s rights.On the basis of improving insurance clauses,insurance companies should standardize underwriting and claim settlement activities.