修改后的《保险法》施行以来 ,保险合同实务中遇到了一些亟待通过司法解释加以解决的问题。本文对保险合同的形式 ;保险合同的订立 ;保险合同的效力 ;可保利益 ;投保人的如实告知义务 ;合同的解释 ;表见代理 ;保单转让和质押等问题进行了分析。 Since the implementation of the revised “Insurance Law”, some problems that need to be resolved through judicial interpretation have been encountered in the practice of insurance contract. This article analyzes the forms of insurance contracts, the establishment of insurance contracts, the effectiveness of insurance contracts, the insurable interest, the obligation of honest disclosure of the insured, the interpretation of contracts, the representation agent, the transfer of policies and the pledge of securities.