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我国《保险法》第12条规定:“投保人对保险标的应当具有保险利益。投保人对保险标的不具有保险利益的,保险合同无效。保险利益是投保人对保险标的具有的法律
Article 12 of the Insurance Law of the People’s Republic of China stipulates that: ”The insured person shall have the insurance interest in the subject matter insured, and the insured person shall have no effect on the subject matter of the insured subject, and the insurance contract is invalid.