本文以财产保险中保险人的代位求偿权为研究对象,以“取得-行使-保护”的思路对该制度的各方面进行梳理和论述。在各部分的论述中,本文针对特定事项指出我国现行保险法中存在的问题,并提出解决方案。其中,针对保险人代位求偿权的法律保护问题总结了被保险人对损害赔偿请求权的三种处分行为及相应法律后果。 In this paper, the insured person’s subrogation right in the property insurance is taken as the research object, and the various aspects of the system are sorted out and discussed with the thinking of “obtaining-exercising-protecting”. In the various parts of the discussion, this article points out the specific issues that exist in the current insurance law and propose solutions. Among them, the issue of legal protection for subrogation of insurer sums up the three kinds of sanctions and corresponding legal consequences of the insured’s claim for damages.