本文選題：國(guó)際保險(xiǎn)合同　切入點(diǎn)：人身保險(xiǎn)合同　出處：《南京大學(xué)》2011年碩士論文　論文類型：學(xué)位論文

【摘要】：國(guó)際保險(xiǎn)合同是指具有國(guó)際因素,涉及不同國(guó)家的法律適用的合同。我國(guó)對(duì)于國(guó)際保險(xiǎn)合同法律適用的規(guī)定比較單一,僅規(guī)定保險(xiǎn)合同適用保險(xiǎn)人的住所地法。但是現(xiàn)實(shí)中保險(xiǎn)合同的種類繁多,各類保險(xiǎn)合同所追求的價(jià)值各異,在法律適用時(shí)也就各不相同。故我們應(yīng)該借鑒其它國(guó)家在保險(xiǎn)法律適用方面的先進(jìn)立法經(jīng)驗(yàn),以完善我國(guó)的保險(xiǎn)法律體系,促進(jìn)我國(guó)保險(xiǎn)業(yè)的快速健康發(fā)展。國(guó)際保險(xiǎn)合同遵循合同法律適用的一般原則,首先應(yīng)當(dāng)按照當(dāng)事人意思自治原則來(lái)確定準(zhǔn)據(jù)法,但是因保險(xiǎn)合同的特殊性,這種選擇被限制在一定的范圍內(nèi),并且要受到公共政策和強(qiáng)行規(guī)范的限制。在當(dāng)事人沒(méi)有做出選擇的情況下,保險(xiǎn)合同適用與其有最密切聯(lián)系的國(guó)家的法律。最密切聯(lián)系國(guó)家的確定一般依照特征性履行原則來(lái)進(jìn)行判斷。 國(guó)際保險(xiǎn)合同的法律適用中,一般涉及人身保險(xiǎn)合同、財(cái)產(chǎn)保險(xiǎn)合同以及再保險(xiǎn)合同。在國(guó)際保險(xiǎn)合同中,特別是人身保險(xiǎn)合同,一般情況下保險(xiǎn)合同雙方當(dāng)事人的地位不完全對(duì)等,被保險(xiǎn)人一般處于弱勢(shì)的地位,為了維護(hù)被保險(xiǎn)人的利益,就要特別考慮對(duì)弱方當(dāng)事人的保護(hù)。在法律適用時(shí)人身保險(xiǎn)合同的當(dāng)事人所選擇的法律范圍就很狹窄,一般限定在被保險(xiǎn)人的住所地法或合同締結(jié)時(shí)的風(fēng)險(xiǎn)所在地法。財(cái)產(chǎn)保險(xiǎn)合同的當(dāng)事人的選擇范圍相對(duì)來(lái)說(shuō)要寬泛一些。再保險(xiǎn)合同與原保險(xiǎn)合同有著密切的聯(lián)系,但其仍是一個(gè)相對(duì)獨(dú)立的保險(xiǎn)合同,而且再保險(xiǎn)合同的當(dāng)事人一般是保險(xiǎn)公司,經(jīng)濟(jì)地位對(duì)等,不存在弱方保護(hù)的問(wèn)題,故對(duì)于再保險(xiǎn)合同的法律選擇不需要給予太多的限制。
[Abstract]:International insurance contract refers to a contract with international factors and involving different countries. It is only stipulated that the insurance contract is applicable to the law of the insurer's domicile. However, in reality, there are many types of insurance contracts, and the value pursued by various types of insurance contracts is different. Therefore, we should learn from the advanced legislative experience of other countries in the application of insurance laws in order to perfect the insurance legal system of our country. To promote the rapid and healthy development of the insurance industry in China. International insurance contracts follow the general principles of the application of contract law. First of all, the applicable law should be determined in accordance with the principle of party autonomy, but due to the particularity of the insurance contract, This choice is limited to a certain extent and subject to public policy and mandatory regulation... In the absence of a choice by the parties, An insurance contract is governed by the law of the country with which it is most closely connected. The determination of the most closely connected country is generally judged according to the principle of characteristic performance. In the legal application of international insurance contracts, they generally involve personal insurance contracts, property insurance contracts and reinsurance contracts. In international insurance contracts, especially personal insurance contracts, Generally speaking, the status of both parties to an insurance contract is not completely equal, and the insured is generally in a weak position. In order to safeguard the interests of the insured, Special consideration should be given to the protection of the weak party. The scope of the law chosen by the parties to the life insurance contract is very narrow when the law is applicable. It is generally limited to the law of the place of residence of the insured or the law of the place of risk at the time of the conclusion of the contract. The scope of choice of the parties to the property insurance contract is relatively broad. The reinsurance contract is closely related to the original insurance contract. But it is still a relatively independent insurance contract, and the parties to the reinsurance contract are generally insurance companies, economic status is equal, there is no problem of weak party protection, so there is no need to give too many restrictions on the legal choice of reinsurance contract.
【學(xué)位授予單位】：南京大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2011
【分類號(hào)】：D996;D922.284

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前2條

1 張瑩;國(guó)際海上再保險(xiǎn)合同的法律適用問(wèn)題研究[D];大連海事大學(xué);2013年

2 謝坤;國(guó)際再保險(xiǎn)合同法律適用問(wèn)題研究[D];廣東商學(xué)院;2013年

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本文編號(hào)：1604142