试论我国海外投资保险制度的完善.doc

摘要：海外投资保险制度起源于美国，其主要作用是防范本国的私人海外投资受到东道国政治风险的影响。而我国在海外投资方面的法制建设还显得相当滞后与不足。从各个方面来看，我国都有完善海外投资保险制度的急迫性。本文将针对我国海外投资保险制度存在的不足，剖析我国海外投资保险制度的实践与立法问题，进一步指出了完善我国该制度的必要性和重要性。尤为重要的是，考虑到我国尚未有《海外投资保险法》等专门的部门法，因此笔者通过借鉴与比较海外投资制度在国外的经验，对我国健全海外投资保险制度提出具体的若干建议。

关键词：海外投资保险；代位求偿权；双边投资保护协定；承保条件

Abstract:Overseas Investment Insurance originated in the United States, whose main role is to prevent their private foreign investment by the host country political risk. In contrast，the legal construction of China's overseas investment is quite lag and inadequate. From every point of view, it is urgent for China to improve the system of Overseas Investment Insurance. This article focuses on the problems of current system of Overseas Investment Insurance and the analysis china's overseas investment insurance system problems in practice and legislation, and further points out the necessity and importance of the Perfection of the system. And, more importantly，regarding that China has not yet established our own legal department of overseas investment insurance, the author is supposed to raise several desired advice to improve China's overseas investment insurance system through drawing lessons from experience of foreign countries and comparing the overseas investment system.

Key words: overseas investment insurance；subrogation right；bilateral investment protection agreements；insurance conditions

　　　海外投资保险制度的构建和完善并非一朝一日即可促成的，其构建过程的时间跨度之大可想而知。因此，我国在构建之时可在充分借鉴国内外的宝贵经验的基础上，着重将我国海外直接投资的现状和发展趋势作为构建该制度的重要考量。换言之，我国的海外投资保险的法律制度既要与国际环境相互交融，又要符合我国经济发展的需要。在分析我国的基本国情的基础上，并在比较与分析国外先进国家的海外投资保险法律制度之后，笔者主张我国应以德国的混合模式海外投资保险制度为完善我国该制度的蓝本，同时从承保条件、机构设置、代位求偿权、配套机制等方面提出了完善我国该制度的相关立法建议。本文在比较分析和总结实践的基础上提出以上建议，但由于本人的学术水平和实践水平有限，所以文中难免存在纰漏之处，恳请各位老师批评指正。