本文選題：海上保險　切入點：誠信原則　出處：《哈爾濱工程大學(xué)》2011年碩士論文

【摘要】：英國是貿(mào)易大國,也是海運強國。英國的海上保險立法為英國海運業(yè)的持續(xù)發(fā)展保駕護航,其中英國《1906年海上保險法》的最大誠信原則以其嚴格性而著稱。近年來,國內(nèi)海上保險業(yè)陷入誠信缺失的困境,一方面有些保險公司為了短期內(nèi)提高銷售量誤導(dǎo)和欺騙投保人(或被保險人),另一方面一些投保人制造虛假理賠的現(xiàn)象時有發(fā)生。這些不健康的因素正制約著我國海上保險業(yè)乃至整個保險業(yè)的發(fā)展。從世界范圍看,我國海上保險業(yè)面臨著前所未有的機遇與挑戰(zhàn),所以我們應(yīng)竭盡全力擴大我國在國際海上保險市場上的影響力與競爭力。誠信是企業(yè)競爭、經(jīng)濟發(fā)展、社會安定之本,誠信也為避免誠信危機的發(fā)生提供了支持與保障。因此,我國有必要在借鑒英國等國家立法的基礎(chǔ)上,在海上保險立法中確立最大誠信原則,并進一步完善相關(guān)內(nèi)容。 本文先在第一章主要介紹了研究的背景和目的,以及國內(nèi)外學(xué)者對最大誠信原則的研究現(xiàn)狀。第二章分別敘述了誠信原則及最大誠信原則的內(nèi)涵,指出其內(nèi)涵處于不斷發(fā)展的過程,并討論了兩者的區(qū)別與聯(lián)系。第三章首先簡介了幾個國家有關(guān)最大誠信原則的立法,然后主要分析了最大誠信原則在英國《1906年海上保險法》的規(guī)定及適用過程,這將有助于我們理解最大誠信原則的本質(zhì)。第四章討論了最大誠信原則對保險雙方當事人的約束。通過被保險人的告知、保證、危險增加通知等義務(wù),以及保險人的說明、棄權(quán)與禁止反言義務(wù)的分析,得出最大誠信原則實質(zhì)上是貫通雙方當事人的樞紐,其目的在于平衡雙方之間的利益。第五章闡述了我國2009年10月1日起施行的《保險法》的修訂所體現(xiàn)的最大誠信原則,并建議我國對最大誠信原則做出明確規(guī)定,將代理人作為獨立的告知主體,整合告知義務(wù)的方式、引入默示保證等具體規(guī)定。
[Abstract]:Britain is a great trading country and a shipping power.The British marine insurance legislation guarantees the sustainable development of the British maritime industry, and the principle of maximum good faith of the British Marine Insurance Act 1906 is famous for its strictness.In recent years, the domestic marine insurance industry has fallen into the dilemma of lack of integrity.On the one hand, some insurance companies mislead and deceive the insured in order to increase the sales volume in the short term, on the other hand, some policyholders make false claims from time to time.These unhealthy factors are restricting the development of China's marine insurance industry and even the whole insurance industry.In the world, China's marine insurance industry is facing unprecedented opportunities and challenges, so we should do our best to expand our influence and competitiveness in the international marine insurance market.Honesty is the foundation of enterprise competition, economic development and social stability. It also provides support and guarantee for avoiding credit crisis.Therefore, it is necessary for China to establish the principle of maximum good faith in marine insurance legislation on the basis of drawing lessons from the legislation of Britain and other countries, and further improve the relevant contents.In the first chapter, this paper introduces the background and purpose of the research, and the present situation of the research on the principle of maximum honesty at home and abroad.The second chapter describes the connotation of the principle of good faith and the principle of maximum good faith, points out that the connotation of the principle is in the process of continuous development, and discusses the difference and relationship between the two principles.The third chapter introduces the legislation of the principle of maximum good faith in several countries at first, and then mainly analyzes the regulation and application process of the principle of maximum good faith in the British Maritime Insurance Law 1906, which will help us to understand the essence of the principle of maximum good faith.Chapter four discusses the restraint of the principle of maximum good faith to both parties of insurance.Through the analysis of the insured's obligations of informing, guaranteeing, increasing risk notification, as well as the insurer's explanation, waiver and estoppel obligations, it is concluded that the principle of maximum good faith is essentially the hub of both parties.The aim is to balance the interests of both sides.The fifth chapter expounds the principle of maximum good faith embodied in the revision of the Insurance Law, which comes into effect on October 1, 2009, and suggests that our country should make a clear stipulation on the principle of maximum good faith and take the agent as the independent notifying subject.Integration of the means of informing obligations, the introduction of implied guarantees and other specific provisions.
【學(xué)位授予單位】：哈爾濱工程大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2011
【分類號】：D922.284;D956.1

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本文編號：1704921