摘要： 海上保险中，被保险人对保险标的应当具有可保利益，否则，保险合同无效。根据英国判例法和MIA 1906，可保利益必须是法律上可保利益。这一原则和制度被大多数国家所接受。然而，法律上可保利益原则具有相当的局限性，特别是给FOB、CFR买卖中装船前货物保险带来了很大的困扰。有鉴于此，人们做了摆脱困境的种种尝试，并最终转向经济可保利益。经济可保利益原则的确立是新的经济条件下保险本质的回归。

关键词: 保险合同 , 可保利益 , 法律上可保利益 , 经济可保利益

Abstract: In marine insurance， the insured must have an insurable interest in subject matter， otherwise， the policy is void． According to English ease law and MIA 1906， insurable interest must be legal or equitable interest， which has been accepted by many countries． However， it sets too strict limits on insurance and has in particular bronght about serious harassment to insurance for goods during transit from the seller's warehouse to the ship's rail under FOB or CFR．A lot of ways have been tried to get rid of the plight． Ultimately， economic interest has been adopted． I believe it is the return to the essence of insurance to establish the principle of economic interest under different economic circumstances．

Key words: insurance contract, insurable interest, legal or equitable interest, economic interest