Then the necessary conditions involved as well as the differences between the terms insurable interest and insurance interest are listed . second , the principle of insurable interest applied in property insurance is of great difference from that in life insurance 从理论界达成共识的可保利益的一般存在谈起，包括物权人、有权占有人、对保险事故发生负有民事赔偿责任的人以及享有事实上的期待利益的人。
The policy - holder of motor - driven car , namely insurant , must be right motor vehicle has insurable the person of the interest , of the lessee of car of the tenant of car of the holder that includes motor - driven car , motor - driven , motor - driven and motor - driven car govern on somebody ' s behalf person 机动车辆的投保人，也就是被保险人，必须是对机动车有可保利益的人，包括机动车辆的所有人、机动车辆的承租人、机动车辆的租用人以及机动车辆的代管人。
Case : so underwriter armour is original underwriter , underwriter third should be reinsurance person concept : repeating assurance is exponential home insurance company accept insurance of insurant of in order to identical insurable interest , perhaps say , an insurance object has a few insurance policy or of the accept insurance of a few policy of insurant is same assurance liability 案例：那么保险人甲就是原保险人，保险人丙应该是再保险人概念：重复保险是指数家保险公司承保了用以被保险人的相同的可保利益，或者说，一个保险对象有几份保险单或被保险人的几份保险单承保的是同一保险责任！
The last part concerns the temporal effectiveness of the principle of insurable interest . when a property insurance contract is executed , the insurable interest is not a must while it has to be presented on the occurrence of the accident insured . differently , if the insurable interest does not existed on the execution of a life insurance contract , the contract shall be definitely void 在财产保险中，在订立保险合同时对保险标的是否具有可保利益并不十分重要，但是在保险事故发生时，被保险人对保险标的必须具有可保利益；而在人身保险中，可保利益必须在订立保险合同时就存在，否则保险合同即为无效，至于合同成立后，投保人是否失去可保利益，对其在合同上的权利并无影响。
Chiefly discussing the principle of the insurable interest . the writer analyses the principle from its origin , comparing the different provisions in cmc and mia . then thinks that the provisions of the insurable interest have the deficiency . after analyzing the theory of law and the course of development of the insurable interest , thinking that establishing the economic insurable interest is necessarily . at last , reasoning the economic insurable interest by the practice of judicatory , affirming that establishing the economic insurable interest has the positive signification in cmc 笔者从可保利益的渊源入手，通过对中、英两国的规定比较分析，认为现行保险法中对可保利益的规定多有不足，进而通过对可保利益的法理基础、发展历程的分析得出确立经济性可保利益的必要性，最后还通过司法实践中对经济性可保利益的肯定作进一步论证，从而肯定了我国海商法中确立经济性可保利益的积极意义。
First of all , the paper starts with the basic theories of the principle of insurable - interest involving the origin of the principle of insurable interest and its legislation system . insurable interest means a sort of relationship of interest which is requested to be existed between the applicants and the subject of the insurance in respect either of economic or of identity 本文第一部分首先从可保利益的基本理论出发，先简要介绍了可保利益的起源及其立法体例，然后指出可保利益的功能和涵义，即可保利益就是投保人或被保险人对于保险标的所存在的一种经济上或身份上的利害关系。
Accoding to its risk exposures in all sorts of real estate insurance and relevant insurance clauses , the insurable interest is oriented to the land or to the buildings on land under different circumstances . correspondingly , we should apply various valuation approaches to the caculation of insurance value and insurance indemnity 根据风险因素所起的作用，不动产保险不同保险条款中，可保利益有时指向地上建筑物，有时指向土地，相应地，保险价值的评估和保险补偿也要适用不同的方法。
This article is based on the principles of risk management and insurance . it insights into the interrelationship among risk , insurable interest and such important factors as insurance value in mortgage insurance , explains the asymmetry of risk assumed and relevant coverage , shows the brand new concept of ratio of real estate insurance value , argues the application of replacement less depreciation approach to the valuation of insurance value in mortgage insurance , and analyzes the valued policy and moral hazard in real estate insurance 本文基于风险与保险基本原理和不动产估价原则，结合保险发达国家不动产保险实务和我国抵押贷款相关险种保单条款，深入剖析住房抵押贷款保险的风险、可保利益、保险价值等要素的内在联系以及现行保险条款中风险与保险责任不对称的原因，提出了不动产保险价值比率的全新概念，论证了住房抵押贷款的保险价值评估适用抵押房屋重置价值的观点，并对不动产保险中定值保单和道德风险进行了探讨。
