【摘要】：不利解釋原則是我國保險法規(guī)定的重要法律解釋原則，對于實現(xiàn)公平正義具有重要意義。它一方面限制了保險人濫用特許經(jīng)營權(quán)，防范道德風(fēng)險，貫徹最大誠信原則等都起到了積極的作用，另一方面，不利解釋原則在適用過程中也出現(xiàn)很多不符合公平正義的問題。這主要源于我國立法上混淆了一個概念并且對不利解釋原則適用的條件沒有做具體規(guī)定。但總得來說，不利解釋原則的產(chǎn)生是有積極的意義，如果能積極探討不利解釋原則理論以及適用的條件，得出其適用的條件將對我國司法實踐具有重要意義。 本文主要研究不利解釋原則及其適用問題，包括五個部分內(nèi)容：第一部分為導(dǎo)論。導(dǎo)論部分主要介紹本文寫作的動機以及研究的方法，歸納國內(nèi)外研究者對于不利解釋原則的觀點以及看法。第二部分分節(jié)介紹了不利解釋原則的產(chǎn)生、發(fā)展及其理論基礎(chǔ)。學(xué)界大多數(shù)學(xué)者對于不利解釋原則持折中態(tài)度，本文也持此觀點，即對于不利解釋原則解釋說必須要采用限制適用的方法。第三部分介紹了合同法一般解釋原則以及保險法特殊解釋原則。在本文中，作者并沒有同意不利解釋原則的第二位性，反而肯定地認為其第一位性，這種第一位性是由法律解釋思維的過程決定。第四部分主要分析了歧義與爭議的區(qū)別，具體列舉了幾類保險合同的適用辦法。第五部分是文章結(jié)論。結(jié)論部分概括了各章觀點以及全文觀點。本文認為，應(yīng)當(dāng)正確理解不利解釋原則，，并合理適用不利解釋原則。正確適用不利解釋原則應(yīng)當(dāng)對文本歧義、保險產(chǎn)品合同化性、保險人強勢性綜合判斷。
[Abstract]:The principle of unfavorable interpretation is an important principle of legal interpretation stipulated in China's Insurance Law, which is of great significance to the realization of fairness and justice. On the one hand, it restricts the insurer from abusing franchise, preventing moral hazard, and carrying out the principle of maximum good faith, etc. On the other hand, there are many problems that do not accord with fairness and justice in the application of unfavorable interpretation principle. This is mainly due to the confusion of a concept in our legislation and the lack of specific provisions on the conditions for the application of the unfavorable interpretation principle. But generally speaking, the emergence of unfavorable interpretation principle is of positive significance. If we can actively discuss the theory of unfavorable interpretation principle and the applicable conditions, it will be of great significance to our country's judicial practice to find out the conditions of its application. This paper mainly studies the principle of unfavorable interpretation and its application, including five parts: the first part is an introduction. The introduction mainly introduces the motivation and research methods of this paper, and summarizes the viewpoints and opinions of domestic and foreign researchers on the unfavorable interpretation principle. The second part introduces the emergence, development and theoretical basis of unfavorable interpretation principle. The majority of scholars hold a compromise attitude towards the principle of unfavorable interpretation, and this paper also holds this view, that is, to interpret the principle of unfavorable interpretation, we must adopt the method of limiting application. The third part introduces the general interpretation principle of contract law and the special interpretation principle of insurance law. In this paper, the author does not agree with the second priority of the principle of unfavorable interpretation, but affirms that it is the first priority, which is determined by the process of thinking of legal interpretation. The fourth part mainly analyzes the difference between ambiguity and dispute, and enumerates some applicable methods of insurance contract. The fifth part is the conclusion of the article. The conclusion part summarizes the views of each chapter and the whole text. This paper holds that the principle of unfavorable interpretation should be understood correctly and the principle of unfavorable interpretation should be reasonably applied. The correct application of the unfavorable interpretation principle should judge the ambiguity of the text, the contractual nature of the insurance product and the strength of the insurer.
【學(xué)位授予單位】：華中科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：D922.284;D923.6

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本文編號：2178282