受益人制度是保险法上非常重要的制度,而在该制度中受益人的指定是基础性问题。但由于法律的疏漏,在保险实务中关于受益人的认定很容易产生争议。新施行的保险法司法解释(三)也对受益人的指定做了规定,然而效果未必尽如人意。本文主要研究人身保险合同中受益人的指定问题以及对司法解释(三)第九条的规定进行评析,进一步再阐释观点。 The beneficiary system is a very important system in insurance law, and the designation of the beneficiaries in this system is the basic problem. However, due to the omission of law, it is easy to have controversy about the identification of beneficiaries in insurance practice. The new implementation of the Insurance Law Judicial Interpretation (c) also provides for the designation of beneficiaries, but the effect may not be satisfactory. This article mainly studies the designation of the beneficiaries in the life insurance contract, as well as the appraisal of the provisions of Article 9 of the judicial interpretation (c), and then explains the point of view further.