【摘要】：所謂保險(xiǎn)人說(shuō)明義務(wù)是指保險(xiǎn)人或其代理人在保險(xiǎn)合同訂立過(guò)程中應(yīng)依法履行的向投保人提供保險(xiǎn)建議,明確闡釋保險(xiǎn)合同責(zé)任相關(guān)條款、術(shù)語(yǔ)等內(nèi)容,使投保人明晰其依照保險(xiǎn)合同應(yīng)享有的權(quán)利和義務(wù)而不致產(chǎn)生混淆、誤解等錯(cuò)誤認(rèn)識(shí)的法定義務(wù)。保險(xiǎn)人說(shuō)明義務(wù)制度是一項(xiàng)重要的保險(xiǎn)法律制度,有利于平衡保險(xiǎn)合同雙方的締約優(yōu)勢(shì),保護(hù)投保人利益,實(shí)現(xiàn)保險(xiǎn)合同的公平正義。從國(guó)際范圍內(nèi)來(lái)看,各保險(xiǎn)業(yè)比較發(fā)達(dá)的國(guó)家都對(duì)相關(guān)保險(xiǎn)人說(shuō)明義務(wù)進(jìn)行了完善的立法約束。但是,在我國(guó)立法中有關(guān)保險(xiǎn)人說(shuō)明義務(wù)的理論研究和交易實(shí)踐都不成熟完善,保險(xiǎn)銷售誤導(dǎo)等不誠(chéng)信行為盛行,嚴(yán)重限制了保險(xiǎn)行業(yè)的健康發(fā)展。 本論文共分為四部分：第一章,系統(tǒng)闡述了保險(xiǎn)人說(shuō)明義務(wù)的產(chǎn)生原因,基于保險(xiǎn)交易的特點(diǎn)及合同法原理闡述了保險(xiǎn)人說(shuō)明義務(wù)的必要性及合理性；第二章,系統(tǒng)總結(jié)了我國(guó)保險(xiǎn)法相關(guān)立法有關(guān)保險(xiǎn)人說(shuō)明義務(wù)的歷史演進(jìn),根據(jù)保險(xiǎn)法原理和保險(xiǎn)交易實(shí)踐中存在的問(wèn)題分析了現(xiàn)行保險(xiǎn)法立法在保險(xiǎn)人說(shuō)明義務(wù)問(wèn)題上存在的缺陷；第三章,簡(jiǎn)要介紹歐美保險(xiǎn)業(yè)發(fā)達(dá)國(guó)家立法中有關(guān)規(guī)范保險(xiǎn)人說(shuō)明義務(wù)的典型做法；第四章,結(jié)合保險(xiǎn)業(yè)發(fā)達(dá)國(guó)家的立法司法現(xiàn)狀和我國(guó)保險(xiǎn)業(yè)經(jīng)營(yíng)實(shí)際,對(duì)完善我國(guó)保險(xiǎn)法相關(guān)保險(xiǎn)人說(shuō)明義務(wù)制度,提出了初步的建議。
[Abstract]:The so-called obligation of the insurer is to provide insurance advice to the policyholder in accordance with the law by the insurer or his agent in the process of concluding the insurance contract, and to explain clearly the terms and terminology related to the liability of the insurance contract, and so on. To make the policyholder clear its rights and obligations under the insurance contract without confusion, misunderstanding and other misunderstandings of the legal obligations. The system of the insurer's obligation to explain is an important legal system of insurance, which is helpful to balance the advantages of both parties to the insurance contract, to protect the interests of the policy holder and to realize the fairness and justice of the insurance contract. From the international perspective, the insurance industry of the more developed countries have a sound legislative constraints on the relevant insurer's obligation to explain. However, in the legislation of our country, the theoretical research and transaction practice of the insurer's obligation of explanation are not mature and perfect, and the dishonest behavior such as misguided insurance sales is prevalent, which seriously limits the healthy development of the insurance industry. This paper is divided into four parts: the first chapter systematically expounds the causes of the insurer's obligation to explain, and expounds the necessity and rationality of the insurer's obligation of explanation based on the characteristics of insurance transaction and the principle of contract law. The second chapter systematically summarizes the historical evolution of the insurer's obligation of explanation in the relevant legislation of China's insurance law. According to the principle of insurance law and the problems existing in the practice of insurance transaction, this paper analyzes the defects of the current legislation of insurance law on the problem of the insurer's obligation to explain. The third chapter briefly introduces the typical practice of regulating the insurer's obligation of explanation in the legislation of the developed countries of insurance industry in Europe and America. In the fourth chapter, combined with the legislative and judicial situation in the developed countries of insurance industry and the practice of insurance business in China, the author puts forward some preliminary suggestions on perfecting the system of explaining the obligation of insurers in China's insurance law.
【學(xué)位授予單位】：大連海事大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：D912.28

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