我国《保险法》于2009年进行了第二次修订,新《保险法》第五十五条未就2002年《保险法》第四十条作实质性修改,主要从立法技术上进行了完善,仍未将善意和恶意的超额保险区别对待,而统一适用于相同的法律效力(奚晓明,2010)。这不仅对善意当事人有失公平,而且极易诱发道德风险,无法有效防范恶意超额保险行为的发生。因此,本文将立足于我国现状,借鉴国际的相关立法经验,针对超额保险是否善意之成因,探讨我国超额 China’s “Insurance Law” was amended in 2009 for the second time. Article 55 of the new “Insurance Law” has not been amended substantively on Article 40 of the Insurance Law of 2002, Differentiated between goodwill and malicious overdose insurance, while the uniform applies to the same legal effect (Xi Xiaoming, 2010). This is not only unfair to the goodwill parties, but also can easily induce moral hazard and can not effectively prevent malicious excess insurance from happening. Therefore, this article will be based on the status quo in our country, drawing on international experience of the relevant legislation, in view of the causes of excess good or not, to explore China’s excess