本文選題：保險合同 + 法定解除　； 參考：《大連海事大學》2013年碩士論文

【摘要】：保險合同是一種兼具射幸合同、最大誠信合同、附和性特征的民商事合同。保險合同的主旨除卻追求交易公平,即為平和利益。當保險合同雙方當事人無法、無意繼續(xù)履行合同,或合同已無法實現(xiàn)目的時,應給予當事人消滅合同關系、減少自身損失的解除合同的權利。保險合同法定解除制度的存在,意在希冀通過在法定條件下賦予守約一方單方解除保險合同的權利,對投保方的不當行為進行調試和校正。但作為一種形成權的保險合同法定解除權,其適用和范圍應通過法律加以嚴格限制,以避免保險人利用自己在保險合同中的優(yōu)勢地位濫用權利,破壞投保一方附加于保險合同之上的可期待利益,從而破壞保險交易秩序。 我國《保險法》雖然經過兩次修訂,但司法實踐中出現(xiàn)的法定保險合同的解除情形仍舊不夠集中統(tǒng)一,體系不夠完整,欠缺細致深入的厘定,其合理性也尚待進一步明晰。此外合同解除后的溯及力等問題也需要進一步完善。 本文將采用比較法學和價值分析的方法,通過實證分析、利益權衡,結合域內外相關一方面的先進立法規(guī)則和共通經驗、學說,在我國立法和司法實踐的基礎上,探討有關保險合同解除的理論,以期對于我國保險法相關理論研究有所裨益。 本文共包括四部分,第一部分對于保險合同法定解除制度進行定位,通過對于其功能的解說,結合與其它相關制度的比較,具體闡釋了保險合同法定解除制度存在的功能與地位,明確了其重要性。第二部分針對我國保險法的規(guī)定中普遍存在的保險合同法定解除制度的具體情況,對其進行明釋,從較大范圍上對我國保險法中關于法定解除類型加以總結和詮釋。第三部分對于其行使限制進行闡述,結合行使效果將其作用和負面效應一一論述,補充了我國《保險法》的相關規(guī)定,以避免對其權利無限化理解的偏差。第四部分結合我國相關問題的立法現(xiàn)狀,從《保險法》兩次修改以及兩部司法解釋說起,提出了目前其進一步修改的原則和目標,同時從兩個亟待解決的方面提出了修改建議,以便更好地完善現(xiàn)行《保險法》
[Abstract]:Insurance contract is a kind of civil and commercial contract with the characteristics of good fortune, maximum good faith and agreement.The purport of insurance contract apart from the pursuit of fair transaction, that is, peace of interest.When the parties to an insurance contract are unable and have no intention of continuing to perform the contract, or if the contract has failed to achieve its purpose, the parties shall be given the right to terminate the contract by eliminating the contractual relationship and reducing their own losses.The existence of the legal rescission system of insurance contract is intended to debug and correct the improper behavior of the insured party by granting the right of unilateral rescission of the insurance contract to the defending party under the legal conditions.However, as a kind of forming right, the application and scope of the legal rescission of insurance contract should be strictly limited by law in order to avoid the insurer abusing his advantage in the insurance contract.Destroy the expected interest of the insured party attached to the insurance contract, thus destroying the order of the insurance transaction.Although the Insurance Law of our country has been revised twice, the rescission of the legal insurance contract in judicial practice is still not centralized and unified, the system is not complete, and the rationality of the legal insurance contract remains to be further clarified.In addition, the retroactivity after the termination of the contract and other issues need to be further improved.This article will adopt the method of comparative law and value analysis, through empirical analysis, benefit balance, combined with the relevant aspects of the field of advanced legislative rules and common experience, theory, on the basis of our legislative and judicial practice,This paper probes into the theory of the termination of insurance contract in order to benefit the relevant theoretical research of insurance law in our country.This paper consists of four parts. The first part is about the positioning of the legal rescission system of insurance contract, through the explanation of its function, combining with the comparison with other related systems.This paper expounds the function and status of the legal rescission system of insurance contract, and clarifies its importance.In the second part, according to the specific situation of the legal rescission system of insurance contract, the author summarizes and interprets the types of legal rescission in the insurance law of our country.The third part expounds the restriction of its exercise, discusses its function and negative effect one by one, complements the relevant provisions of our country's Insurance Law, in order to avoid the deviation of understanding its unlimited rights.The fourth part combines with the current legislative situation of the relevant problems in China, starting with the two amendments to the Insurance Law and the two judicial interpretations, puts forward the principles and objectives of its further revision at present, and at the same time puts forward some suggestions for amendment from two aspects that need to be solved urgently.In order to perfect the current Insurance Law better
【學位授予單位】：大連海事大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：D922.284

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本文編號：1740820