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“涉外民事关系亦称涉外民事法律关系,是指在主体、客体和内容方面含有一个或一个以上的涉外因素的民事法律关系。”涉外商业保险就是指含有涉外因素的商业保险。是涉外民事法律关系的一种。在涉外商业保险中,如何准确适用法律来确定当事人的权利和义务非常重要。
“Foreign-related civil relations is also called foreign-related civil-legal relations and refers to one or more foreign-related civil legal relations in the subject, object and content.” "Commercial foreign-related insurance refers to commercial insurance involving foreign elements. It is a kind of civil legal relationship involving foreign affairs. In foreign commercial insurance, it is very important how to apply the law accurately to determine the rights and obligations of the parties involved.