【摘要】：告知義務(wù)衍生于保險(xiǎn)法中的最大誠(chéng)信原則,是保險(xiǎn)法上一項(xiàng)古老而重要的制度,在保險(xiǎn)法上有著極為重要的地位。告知義務(wù)問(wèn)題歷來(lái)受到較多的關(guān)注,眾多學(xué)者對(duì)其進(jìn)行研究和探討,是保險(xiǎn)法制進(jìn)程中的一項(xiàng)重要課題。另外,在實(shí)踐中,保險(xiǎn)作為保障和投資的手段進(jìn)入越來(lái)越多的家庭,隨之而來(lái)的保險(xiǎn)糾紛也逐年遞增。其中,“如實(shí)告知”漸漸成為糾紛的焦點(diǎn)�；谝陨媳尘�,本文借中、日兩國(guó)相繼修改保險(xiǎn)法這一契機(jī),從歷史比較法的角度,研究、探討兩國(guó)保險(xiǎn)法上的告知義務(wù)制度。筆者圍繞兩國(guó)保險(xiǎn)告知義務(wù)的歷史沿革,基于保險(xiǎn)告知義務(wù)的基本理論,對(duì)告知義務(wù)的主體、告知義務(wù)的履行及其法律后果逐一進(jìn)行了細(xì)致的對(duì)比分析。 本文分為五章。首章主要對(duì)告知義務(wù)研究的源起、告知義務(wù)研究的意義、告知義務(wù)的研究方法進(jìn)行分析,以求對(duì)下文更加深入地研究告知義務(wù)作鋪墊。第二章主要針對(duì)保險(xiǎn)告知義務(wù)制度的基本范疇進(jìn)行闡述。具體對(duì)告知義務(wù)的基本含義、告知義務(wù)的法律性質(zhì)、告知義務(wù)的產(chǎn)生依據(jù)進(jìn)行梳理,以期呈現(xiàn)一個(gè)全面的告知義務(wù)制度。第三章則是運(yùn)用歷史比較研究方法中的縱向比較對(duì)中、日兩國(guó)保險(xiǎn)告知義務(wù)的立法完善進(jìn)行梳理,將兩國(guó)不同時(shí)期的告知義務(wù)制度進(jìn)行對(duì)比。第四章運(yùn)用歷史比較研究方法中的橫向比較對(duì)告知義務(wù)的主體、告知時(shí)間、告知方式、告知范圍、違反告知義務(wù)的主客觀要件及解除權(quán)和阻卻事由等方面,逐一進(jìn)行研究、探討。為第五章中我國(guó)保險(xiǎn)告知義務(wù)制度的修改及完善建議的提出做準(zhǔn)備。第五章在總結(jié)前文的基礎(chǔ)上,用圖表梳理中、日告知義務(wù)的比較結(jié)果,然后以此為基礎(chǔ)對(duì)我國(guó)保險(xiǎn)告知義務(wù)的構(gòu)建提出建議。主要包括告知義務(wù)主體的擴(kuò)充、詢問(wèn)方式的限定、履行期限的清晰化、違反告知義務(wù)主觀要件的完善、不可抗辯期間的適當(dāng)延長(zhǎng)、禁止反言條款的增加、合同解除權(quán)發(fā)生時(shí)間的明確。本文研究目的在于,通過(guò)歷史比較研究法進(jìn)行研究、歸納,以求對(duì)我國(guó)保險(xiǎn)告知義務(wù)立法有所裨益,促進(jìn)我國(guó)保險(xiǎn)行業(yè)健康發(fā)展。
[Abstract]:The principle of maximum good faith derived from the law of insurance is an old and important system in the law of insurance and plays an extremely important role in the law of insurance. The obligation of informing has always been paid more attention to, and many scholars have studied and discussed it, which is an important subject in the process of insurance legal system. In addition, in practice, insurance as a means of security and investment into more and more families, followed by insurance disputes are increasing year by year. Among them, "truthful inform" gradually become the focus of the dispute. Based on the above background, this paper takes the opportunity of amending the insurance law one after another between China and Japan, from the perspective of historical comparative law, studies and discusses the system of informing obligation in the insurance law of the two countries. Based on the basic theory of insurance disclosure obligation, the author makes a detailed comparative analysis of the subject, the performance and the legal consequences of the obligation of notification in accordance with the history of the two countries' insurance obligation of notification. This paper is divided into five chapters. The first chapter mainly analyzes the origin of the study of the obligation of disclosure, the significance of the study of the obligation of notification, and the research methods of the obligation of disclosure, in order to pave the way for a more in-depth study of the obligation of notification. The second chapter mainly focuses on the basic categories of insurance disclosure obligation system. The basic meaning of the obligation of notification, the legal nature of the obligation of notification, and the basis for the formation of the obligation of notification are combed in order to present a comprehensive system of the obligation to inform. The third chapter is the use of the historical comparative study method of vertical comparison of China and Japan to improve the legislation of the obligation to inform of the two countries in different periods of time to compare the system of notification. The fourth chapter studies the subject, time, mode, scope of disclosure, subjective and objective elements of breach of obligation of notification, lifting right and reason of obstruction, etc., by using the horizontal comparison of historical comparative research method. Discussion. In the fifth chapter, we prepare for the modification and improvement of our country's insurance disclosure obligation system. On the basis of summarizing the above, the fifth chapter combs the comparison results of the day's notification obligation with the chart, and then puts forward some suggestions on the construction of our country's insurance informing obligation on the basis of it. It mainly includes the expansion of the subject of the obligation of notification, the limitation of the mode of inquiry, the clarity of the period of performance, the perfection of the subjective elements of the breach of the obligation of notification, the proper extension of the period of non-defense, the increase of the clause of estoppel, Clear time of termination of contract. The purpose of this paper is to study and sum up the law of historical comparison in order to benefit the legislation of the obligation to inform insurance in China and to promote the healthy development of insurance industry in our country.
【學(xué)位授予單位】：華東政法大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2011
【分類號(hào)】：D922.284;D931.3

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本文編號(hào)：2240152