本文選題：卡式電子保單業(yè)務(wù) + 自助保險卡　； 參考：《中國青年政治學(xué)院》2015年碩士論文

【摘要】：本文包括七個部分。第一部分為緒論,主要涉及研究背景、研究的問題、研究意義和研究方法。實踐中卡式電子保單業(yè)務(wù)引起的糾紛逐漸增多,主要涉及未激活的處理、投保人認(rèn)定、代激活時信息填錯的歸責(zé)、代激活時投保人未看到免責(zé)條款的處理等問題。學(xué)界已對此有所關(guān)注,但尚未形成系統(tǒng)的觀點。本文從案例出發(fā),梳理卡式電子保單業(yè)務(wù)的現(xiàn)有學(xué)說,旨在解決實踐爭議。第二部分是卡式電子保單業(yè)務(wù)的基礎(chǔ)理論。首先明確提出了卡式電子保單業(yè)務(wù)的概念,它與卡式保險業(yè)務(wù)、卡式業(yè)務(wù)、自助保險卡業(yè)務(wù)的提法含義相同�？ㄊ诫娮颖螛I(yè)務(wù)主要依托自助保險卡展開。從類型上講,自助保險卡主要有實物保險卡和虛擬保險卡兩種,其主要特征是不記名、可轉(zhuǎn)讓。激活自助保險卡有網(wǎng)絡(luò)、電話兩種方式,鑒于目前使用最多的是網(wǎng)絡(luò)激活的方式,本文僅對網(wǎng)上激活流程進(jìn)行詳細(xì)介紹。同時指出目前卡式電子保單業(yè)務(wù)的適用范圍。第三部分為卡式電子保單業(yè)務(wù)的理論分析框架,以第二部分描述的卡式業(yè)務(wù)的基本流程為基礎(chǔ)進(jìn)行探討。其關(guān)鍵是對卡式業(yè)務(wù)中的兩個行為——購卡和激活進(jìn)行定性,明確保險合同何時成立。首先對現(xiàn)有的學(xué)說觀點進(jìn)行分析提煉,劃分為“同一合同說”和“不同合同說”�！巴缓贤f”是將購卡和激活看成訂立保險合同的兩個階段,又可分為“購卡時成立說”和“成功激活時成立說”�！百徔〞r成立說”主張購卡時保險合同成立,“成功激活時成立說”則認(rèn)為成功完成激活程序時保險合同成立,交費購卡只是保險合同的要約�！安煌贤f”是將購卡和激活看成兩個合同,購卡時成立買賣合同,激活后生成電子保單時成立保險合同。依對這兩個合同間關(guān)系的不同認(rèn)識,“不同合同說”可繼續(xù)劃分為“預(yù)約本約說”和“不相關(guān)說”。前者主張兩個合同獨立但有密切關(guān)聯(lián),購卡為預(yù)約,激活為本約,后者主張兩個合同獨立存在且互不關(guān)聯(lián)。對這些學(xué)說爭議進(jìn)行介紹后,更重要的是對各觀點進(jìn)行分析和評價,最后權(quán)衡利弊得出自己的結(jié)論。由于購卡時投保人、被保險人不能最終確定,保險合同無法成立,“購卡時成立說”違背了保險法的基本原理;“成功激活時成立說”將購卡視為保險合同的要約,激活時構(gòu)成承諾,激活前購卡人撤銷要約會導(dǎo)致售出的保險卡返還,不利于維護(hù)交易的穩(wěn)定;“預(yù)約本約說”存在主體不同、預(yù)約本約對價相同等一些問題,雖可以解釋,但適用上顯得復(fù)雜;“不相關(guān)說”則克服了上述問題,對購卡和激活定位準(zhǔn)確,也更符合卡式業(yè)務(wù)的流程,且與債權(quán)讓與制度結(jié)合可解釋主體不同的難題,宜作為卡式業(yè)務(wù)的分析框架。第四部分緊接第三部分的成立時間問題,討論卡式電子保單的生效時間、保險責(zé)任開始時間問題。在對現(xiàn)有學(xué)說進(jìn)行分析后,本文選取了一個新的角度來解決上述問題,即分析實踐中保險人在自助保險卡上所作的聲明,從聲明的內(nèi)涵和效力入手,認(rèn)定激活后生成電子保單的時點為保險合同的生效時間,聲明中指出的激活后的特定時點為保險責(zé)任開始時間。接下來的第五部分主要探討代激活時如實告知義務(wù)的履行問題。首先從理論上對激活和代激活的行為定性,認(rèn)定代激活是委托代理行為,并且指出該行為并非被禁止的自己代理和雙方代理,不違背代理制度的要求。然后具體探討代激活時如實告知義務(wù)的履行問題,確定代激活過程中保險代理人填錯信息時的責(zé)任歸屬。此外,還從代理內(nèi)部關(guān)系的層面特別指出了保險代理人在代激活過程中所負(fù)有的義務(wù)。第六部分為卡式電子保單明確說明義務(wù)的特殊履行,結(jié)合卡式業(yè)務(wù)流程確定履行時點為激活時,分析我國現(xiàn)有規(guī)范明確履行標(biāo)準(zhǔn)為程序性標(biāo)準(zhǔn),具體結(jié)合實踐中的履行過程分析履行方式問題。最后討論代激活時明確義務(wù)如何履行的問題,尤其是保險代理人未將網(wǎng)頁上的說明內(nèi)容告知投保人時的處理。第七部分為結(jié)語,總結(jié)了全文的觀點。
[Abstract]:This article includes seven parts. The first part is the introduction, which mainly involves the research background, the research problems, the research significance and the research methods. In practice, the disputes caused by the card type electronic insurance business are increasing gradually, mainly involving the inactive treatment, the policyholders affirm, the liability for the information filling in the replacement of the information on behalf of the activator, and the insured did not see the disclaimer at the time of activation. The second part is the basic theory of the card type electronic insurance business. First, the concept of the card type electronic insurance business is put forward clearly, and it is with the card type insurance. Insurance business, card business, self insurance card business concept of the same meaning. Card type electronic insurance business mainly rely on self-help insurance card. From the type, the self-help insurance card mainly has two kinds of physical insurance card and virtual insurance card, its main features are anonymous, transferable, active self insurance card network, telephone two ways, in view of At present, the most used is the way of network activation. This article only introduces the network activation process in detail. At the same time, it points out the scope of application of the current card type electronic policy service. The third part is the theoretical analysis framework of the card type electronic insurance service, which is based on the basic flow of the card business described in the second part. The key is The two behavior in the card business, purchase and activation, is made to determine when the insurance contract is established. First, the existing doctrines are analyzed and refined, which are divided into "the same contract theory" and "different contract theory". "The same contract" is the two stage of the purchase and activation as an insurance contract, and it can be divided into "the same contract". When the purchase card was established, the insurance contract was established when the purchase of the card was established. The insurance contract was established when the card was successfully activated and the insurance contract was established when the activation procedure was successfully completed. The purchase of the card was only the offer of the insurance contract. According to the different understanding of the relationship between the two contracts, the "different contract theory" can continue to be divided into "appointment book" and "unrelated". The former advocates that the two contracts are independent but closely connected, the purchase of the contract is reserved, the activation is the contract, the latter advocates the latter. The latter advocates the latter. The two contracts are independent and unrelated. After the introduction of these doctrines, it is more important to analyze and evaluate the views, and finally weigh the advantages and disadvantages to draw their conclusions. As the insured, the insured can not be finally determined, the insurance contract can not be established. "The establishment of the card when buying the card" is contrary to the basic of the insurance law. The principle of "successful activation when it is established" is regarded as an offer of insurance contract, which is activated when it is activated, and it is not conducive to the stability of the transaction, which is not conducive to the stability of the transaction, which is not conducive to the stability of the transaction. It is complex; the "unrelated theory" overcomes the above problems. It is accurate for the purchase and activation positioning, and is more in line with the process of the card type business, and it is different from the creditor's transfer system, which can explain the different subject of the subject. It should be the analysis framework of the card type business. The fourth part follows the time problem of the third part, and discusses the card type electronic insurance policy. After the analysis of the existing theory, this paper selects a new angle to solve the above problem, that is, to analyze the statement made by the insurer in the self-help insurance card in the practice, starting with the connotation and effect of the declaration, and the time point of the generation of the electronic insurance after the activation is the effect of the insurance contract. Time, the specific time point of activation indicated in the statement is the start time of the insurance liability. The next fifth parts mainly discuss the fulfillment of the duty of notification when the activation is activated. It is not contrary to the requirements of the agency system, and then discusses the fulfillment of the duty of disclosure when the agent is activated, and determines the responsibility of the insurance agent to fill in the wrong information in the process of activation. In addition, it also points out the obligation of the insurance agent in the process of the activation of the agent in the aspect of the internal relations of the agent. The six part is the special performance of the specific obligation of the card type electronic insurance policy. Combining with the card business process to determine the performance time point to be activated, it analyzes the existing standard of our country's existing standard as the procedural standard, and concretely combines the fulfillment process in practice to analyze the problem of performance. Finally, the problem of how to make clear the obligation to perform when the generation is activated is discussed. In particular, the insurance agent did not inform the insured when he explained the contents on the webpage. The seventh part is the conclusion, summarizing the full text.
【學(xué)位授予單位】：中國青年政治學(xué)院
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：D922.284

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本文編號：2102105