《中华人民共和国民法典》的颁布对《中华人民共和国保险法》的影响

The Impact of the Promulgation of the Civil Code of the People s Republic of China on the Insurance Law of the People s Republic of China

作为中国法治文明进程的共同组成部分，我国民法典的编撰过程与保险法存在历史的交叠。在基本理念上，民法典与保险法和而不同：“和”在于制度融合，在于民法典规定制度在保险法立法及其解释层面的基础作用。“不同”在于：保险法是专门调整保险关系的部门法，保险法律制度的内核与保险原理和保险经营直接衔接。保险法的各项制度应当是建立在符合保险原理的保险经营实践基础上的，同时对保险交易惯例予以特别遵从和体现。在民法典的法治背景下，切实的问题是保险部门与民法典的理念和制度层面的对接，以及在此基础上保险部门法具体制度的完善、解释和适用。《民法典》中的民事主体制度、合同制度、侵权制度与《保险法》均存在制度融合的诸多维度。

As the common part of legal civilization in China, the compilation of the Civil Code of the People s Republic of China (hereinafter referred to as the “Civil Code”) has overlapped with the Insurance Law of the People s Republic of China (hereinafter referred to as the “Insurance Law”). On the basic concept, the Civil Code and the Insurance Law are harmony in diversity: harmony lies in the integration of systems and the basic role of systems stipulated in the Civil Code for the legislation and interpretation of the Insurance Law. “Diversity” lies in: insurance law is the branch law that specially adjusts insurance legal relations, and the core of insurance legal systems, insurance principles and insurance operation linked directly. The various systems of insurance law shall be established on the basis of insurance operation’s practice that accords with insurance principles, and at the same time give special compliance and embodiment to the practices of insurance transaction. After the promulgation of the Civil Code, the current problem is the connection between the Insurance Law and the Civil Code at the conceptual and institutional level, and the improvement, interpretation and application of the specific systems of insurance law on this basis. The civil subject system, contract system and tort system in the Civil Code are integrated with the Insurance Law in many dimensions.