求翻译：在实践中，由于保险受益人的指定、变更、丧失等诸多事由致使司法存在争议。因此明确人身保险合同受益人制度就有能够处理好人身保险合同中的一系列利益问题，也能够从根本上解决实践中人身保险合同所引发的纠纷。本文将从我国保险法第39条到第47条的规定出发，明确人身保险合同中受益人的概念及受益权的性质，针对实践中受益人制度存在的问题，通过对人身保险合同受益人的法理分析，结合我国的现实状况及国外的经验，提出完善人身保险合同受益人有关立法的建议是什么意思？

In practice, the insurance beneficiary designation, change, loss of many subject matter resulting in judicial dispute. Clear life insurance contract beneficiary of the system there can handle a range of interests in the life insurance contract, but also to a fundamental solution to the dispute cause

In practice, because the insurance designation of beneficiaries, change, loss, and there is much controversy over the cause justice. It is therefore clear insurance beneficiaries on a system to be able to handle the life insurance contract in a range of benefits, but also to be able to fundamentally