本文選題：保險(xiǎn)法　切入點(diǎn)：基本義務(wù)　出處：《中國(guó)政法大學(xué)》2008年碩士論文　論文類型：學(xué)位論文

【摘要】： 在我國(guó)商業(yè)保險(xiǎn)市場(chǎng)化全面推進(jìn)的同時(shí),社會(huì)公眾所面臨的無可預(yù)知的各類風(fēng)險(xiǎn)也日益增加,人們期望通過參保分散、化解風(fēng)險(xiǎn)的消費(fèi)需求正在全面提升,從我國(guó)保險(xiǎn)業(yè)實(shí)際經(jīng)營(yíng)狀況和法律環(huán)境來考察,各類社會(huì)保險(xiǎn)產(chǎn)品的消費(fèi)推廣與投保人預(yù)期的利益沖突和矛盾日益突出,經(jīng)人民法院受理的各類保險(xiǎn)糾紛案件日漸增多,此間糾紛爭(zhēng)訟即是這一現(xiàn)實(shí)狀態(tài)的具體體現(xiàn)。 本文選取了在保險(xiǎn)業(yè)務(wù)中義務(wù)主體的先合同和合同后相關(guān)義務(wù)履行形態(tài),明確指出各類糾紛存在的可能性和現(xiàn)實(shí)爭(zhēng)點(diǎn),遵循以保險(xiǎn)法律規(guī)范為基礎(chǔ)但卻不唯規(guī)范的原則,分析評(píng)價(jià)了相關(guān)學(xué)說理論,并從體現(xiàn)法外均衡的普遍價(jià)值訴求出發(fā),逐一闡述了基本義務(wù)履行糾紛的認(rèn)定標(biāo)準(zhǔn)和責(zé)任標(biāo)準(zhǔn),以期為確立保險(xiǎn)業(yè)務(wù)糾紛的司法裁判標(biāo)準(zhǔn)提供某種思路,進(jìn)而有效衡平保險(xiǎn)糾紛雙方的利益沖突,實(shí)現(xiàn)保險(xiǎn)法價(jià)值訴求和社會(huì)效果的最佳均衡。 論文分為引言、正文、結(jié)語(yǔ)三部分,正文約3.5萬(wàn)字,論題內(nèi)容從以下五個(gè)方面展開: 第一部分是對(duì)保險(xiǎn)業(yè)務(wù)糾紛裁判標(biāo)準(zhǔn)問題的概述。主要分析了裁判標(biāo)準(zhǔn)的內(nèi)涵與特點(diǎn),界分了本論題的內(nèi)容特指,總結(jié)歸納出了保險(xiǎn)業(yè)務(wù)中的五類常見糾紛,并對(duì)確立保險(xiǎn)業(yè)務(wù)糾紛裁判標(biāo)準(zhǔn)及法理問題作了簡(jiǎn)要評(píng)析。 第二部分論述了如實(shí)告知義務(wù)糾紛的認(rèn)定標(biāo)準(zhǔn)。首先通過相關(guān)案件列舉和糾紛訴因的分析,提出了我國(guó)現(xiàn)行法律的不足,并對(duì)相關(guān)立法學(xué)說和理論進(jìn)行了評(píng)析,在明確告知義務(wù)法律性質(zhì)及保險(xiǎn)主體雙方權(quán)利義務(wù)關(guān)系的基礎(chǔ)上,確立了如實(shí)告知義務(wù)糾紛的認(rèn)定標(biāo)準(zhǔn)。 第三部分論述了特別說明義務(wù)的認(rèn)定標(biāo)準(zhǔn)。首先分析了特別說明義務(wù)糾紛現(xiàn)狀和主要爭(zhēng)點(diǎn),評(píng)析了各國(guó)立法和理論學(xué)說,論述了義務(wù)履行的主要內(nèi)容,進(jìn)而結(jié)合此義務(wù)的法理屬性和價(jià)值判斷預(yù)期,得出了特別說明義務(wù)糾紛的認(rèn)定標(biāo)準(zhǔn)。 第四部分論述了標(biāo)的保護(hù)義務(wù)的責(zé)任標(biāo)準(zhǔn)。首先論述了糾紛案件及其法理思考,總結(jié)了我國(guó)法律的相關(guān)規(guī)定,以相關(guān)立法及學(xué)說作為理論支撐,明確了義務(wù)人須承擔(dān)的三種義務(wù)類型,同時(shí)確認(rèn)了義務(wù)履行的法律責(zé)任標(biāo)準(zhǔn)。 第五部分論述了合理施救義務(wù)的責(zé)任標(biāo)準(zhǔn)。首先對(duì)義務(wù)糾紛案例及法理問題進(jìn)行了分析,列述了合理施救義務(wù)的歷史成因,提出了合理施救與費(fèi)用償還的內(nèi)生關(guān)系和法理機(jī)制的穩(wěn)固性問題,認(rèn)定了施救行為與措施的原則性標(biāo)準(zhǔn),并基于義務(wù)人是否具有法定歸責(zé)性確立了合理施救義務(wù)的責(zé)任標(biāo)準(zhǔn)。 最后結(jié)論部分,明確了保險(xiǎn)業(yè)務(wù)糾紛裁判標(biāo)準(zhǔn)的確立與統(tǒng)一,應(yīng)是體現(xiàn)經(jīng)濟(jì)法與民商法雙重法律規(guī)范的裁判統(tǒng)一,也是實(shí)現(xiàn)司法公正、公平的基本價(jià)值和目標(biāo)。
[Abstract]:With the marketization of commercial insurance in our country advancing in an all-round way, the unpredictable risks faced by the public are also increasing day by day. People expect that the consumption demand to resolve the risks is rising in an all-round way through the spread of insurance. From the point of view of the actual operating situation and legal environment of China's insurance industry, the consumption and promotion of various social insurance products and the anticipated conflicts of interest and contradictions among policy holders are becoming increasingly prominent, and the number of insurance disputes cases accepted by the people's courts is increasing day by day. The dispute and litigation is the concrete embodiment of this realistic state. This article selects the first contract and the related obligation performance form of the subject of obligation in the insurance business, points out the possibility and the realistic dispute point of all kinds of disputes, and follows the principle that the insurance law norm is based on but not the norm only. Based on the analysis and evaluation of the relevant theories, and from the universal value demands that reflect the extra-legal balance, this paper expounds the standards of the recognition and responsibility of the basic obligation to fulfill the dispute one by one. The aim is to provide some ideas for establishing the standard of judicial adjudication of insurance disputes, balance the conflicts of interests between the two sides of insurance disputes effectively, and realize the best balance between the value demands of insurance law and the social effects. The thesis is divided into three parts: introduction, text and conclusion, and the text is about 35,000 words. The content of the thesis is carried out from the following five aspects:. The first part is an overview of the standard of adjudication of insurance disputes, mainly analyzes the connotation and characteristics of the standard, points out the content of this topic, and summarizes five kinds of common disputes in insurance business. And the establishment of insurance business dispute adjudication standard and legal issues made a brief assessment. The second part discusses the identification standard of dissension of truthful disclosure obligation. Firstly, through the enumeration of relevant cases and the analysis of the causes of the dispute, the author puts forward the deficiency of the current law of our country, and evaluates the relevant legislation theory and theory. On the basis of the clear legal nature of the obligation of notification and the relationship between the rights and obligations of the two parties, the standard of confirming the dispute of the obligation of truthful notification is established. The third part discusses the identification standard of special explanation obligation. Firstly, it analyzes the status quo and main points of contention, analyzes the legislation and theory of various countries, and discusses the main contents of the obligation implementation. Then, combining the legal attribute of this obligation and the expectation of value judgment, the standard of identifying the dispute of special explanation obligation is obtained. Part 4th discusses the standard of the duty of protection. Firstly, it discusses the dispute cases and their legal considerations, summarizes the relevant provisions of Chinese law, and takes the relevant legislation and doctrine as the theoretical support. It clarifies three kinds of obligations which obligor must undertake, and confirms the legal liability standard of obligation performance at the same time. Part 5th discusses the standard of reasonable obligation of rescue. Firstly, it analyzes the case of obligation dispute and legal theory, and describes the historical cause of the obligation of reasonable rescue. This paper puts forward the endogenous relationship between reasonable rescue and expense reimbursement and the stability of legal mechanism, determines the principle standard of rescue behavior and measures, and establishes the reasonable rescue duty standard based on whether the obligor has legal imputation. In the last part, it is clear that the establishment and unification of the judging standard of insurance disputes should be the unification of the double legal norms of economic law and civil and commercial law, and also the basic value and goal of realizing judicial justice and fairness.
【學(xué)位授予單位】：中國(guó)政法大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2008
【分類號(hào)】：D922.284

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 王春燕;論保險(xiǎn)合同當(dāng)事人的誠(chéng)信義務(wù)履行[D];中國(guó)海洋大學(xué);2011年

，

本文編號(hào)：1583675