本文關鍵詞： 告知義務主體 被保險人 投保人 保險經(jīng)紀人　出處：《大連海事大學》2015年碩士論文　論文類型：學位論文

【摘要】：本文以《海商法》與《保險法》中告知義務主體之規(guī)范差異為切入點,力求通過解釋論的方法對我國法下的海上保險告知義務主體作出貫穿式的梳理和分析,從而達到彌合特別法與一般法銜接不暢之目的。在此基礎之上,立足對海上保險告知義務主體范圍新的界分,通過立法論的方法對海上保險告知義務主體的完善提出新的建議。引言部分概述了本文的選題背景以及研究方法。第一章探討海上保險告知義務主體規(guī)范差異的理論成因。首先以兩法的文本差異為切入,從立法技術的層面比較兩法的差異對告知義務主體造成的影響；其次,以兩法的法律淵源為重點,從比較分析的角度探究中英告知義務主體構建的制度背景差異。第二章明確被保險人與投保人作為告知義務主體的法律地位及法理基礎。首先,通過對我國保險主體模式的研究,得出我國所采的“三分法”模式不僅引發(fā)被保險人“合同當事人”之爭,亦影響告知義務履行主體之確定；其次,通過當下理論的梳理以及實踐做法的辨析,得出被保險人宜定義為合同當事人并納入告知義務主體。第三章闡明保險經(jīng)紀人在我國法下之法律地位并對其作為告知義務主體之適格性作出分析。首先在比較法視野之下探明中英保險經(jīng)紀制度各自的操作模式以及發(fā)展現(xiàn)狀；其次,以此為基礎,對我國海上保險經(jīng)紀人的法律地位進行辨析定義從而論證其作為獨立告知義務人之適格性。第四章通過對《北歐海上保險計劃》以及《2015年英國保險法》的研究和借鑒,對我國海上保險告知義務主體的構建提出若干建議：首先,對于我國當下的單一主體告知模式,可借鑒《北歐海上保險計劃》多元化模式進行完善；其次,借鑒《2015英國保險法》,明確我國被保險人以及投保人告知義務內(nèi)容所涉相關主體,并對保險經(jīng)紀人的獨立告知義務模式予以確定。
[Abstract]:Based on the normative differences between the maritime law and the insurance law, this paper tries to analyze the subject of the disclosure obligation of marine insurance under the law of our country through the method of explanation theory. In order to achieve the purpose of bridging the special law and general law, on this basis, based on the marine insurance obligations to inform the main scope of a new boundary. A new suggestion is put forward to improve the subject of the obligation to inform in marine insurance through the method of legislation. The introduction summarizes the background and research methods of this thesis. Chapter 1 discusses the differences in the norms of the subject of the obligation of disclosure in marine insurance. Theoretical causes. First of all, the text difference between the two methods as the starting point. Comparing the difference between the two laws on the subject of informing obligation from the aspect of legislative technology; Secondly, focus on the legal origin of the two laws. From the perspective of comparative analysis, this paper explores the differences in the institutional background of the construction of the subject of the obligation of disclosure between China and the United Kingdom. The second chapter clarifies the legal status and legal basis of the insured and the insured as the subject of the obligation to inform. First of all. Through the study of the insurance subject model in our country, it is concluded that the "three-point law" mode adopted in our country not only leads to the contention of the insured "parties to the contract", but also affects the determination of the subject of the performance of the obligation to inform. Secondly, through the current theory of combing and practice of discrimination. It is concluded that the insured should be defined as the party to the contract and brought into the subject of obligation of notification. Chapter three clarifies the legal status of the insurance broker under the law of our country and analyzes its suitability as the subject of the obligation of notification. From the perspective of France, the author tries to find out the operation mode and the present situation of the insurance brokerage system in China and the United Kingdom. Secondly, based on this. The definition of the legal status of China's marine insurance broker is analyzed to demonstrate its suitability as an independent notifier. Chapter 4th adopts the Nordic Marine Insurance Scheme and the British Insurance Act of 2015. Study and use for reference. This paper puts forward some suggestions on the construction of the subject of the obligation to inform marine insurance in China: firstly, we can use the "Nordic Marine Insurance Plan" for reference to perfect the mode of informing the single subject in our country at present; Secondly, referring to the British Insurance Law of 2015, this paper clarifies the relevant subjects involved in the content of the insurant's and the insured's obligation to inform, and determines the mode of the insurance broker's independent informing obligation.
【學位授予單位】：大連海事大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：D922.284

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本文編號：1446419