本文選題：重復(fù)保險(xiǎn)　切入點(diǎn)：通知義務(wù)　出處：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2008年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】： 重復(fù)保險(xiǎn)制度對(duì)確保保險(xiǎn)業(yè)良性運(yùn)行起著重要的作用,然而我國(guó)關(guān)于重復(fù)保險(xiǎn)的條文很少,僅在《保險(xiǎn)法》第41條和《海商法》第225條中有所提及,但兩法對(duì)重復(fù)保險(xiǎn)的含義、性質(zhì)、合同效力、構(gòu)成要件、賠償規(guī)則、適用條件和范圍等方面的規(guī)定都不盡完善,不足以保護(hù)善意被保險(xiǎn)人的合法權(quán)益及平衡各保險(xiǎn)人的利益,有必要進(jìn)行一定修改。因此本文從重復(fù)保險(xiǎn)的定義出發(fā),借鑒國(guó)外重復(fù)保險(xiǎn)的相關(guān)規(guī)定,運(yùn)用基礎(chǔ)理論研究與實(shí)證研究等方法對(duì)重復(fù)保險(xiǎn)各方面進(jìn)行了充分的闡述,旨在對(duì)重復(fù)保險(xiǎn)制度的完善起到拋磚引玉的作用。關(guān)于重復(fù)保險(xiǎn)的定義,存在著廣義學(xué)說(shuō)和狹義學(xué)說(shuō)兩種觀點(diǎn)。本文結(jié)合重復(fù)保險(xiǎn)的立法意旨,提煉了廣義和狹義學(xué)說(shuō)中的合理內(nèi)涵,提出了重復(fù)保險(xiǎn)的嶄新定義:重復(fù)保險(xiǎn)是指同一投保人就同一保險(xiǎn)標(biāo)的、保險(xiǎn)利益及保險(xiǎn)事故同時(shí)或者依次與數(shù)個(gè)保險(xiǎn)人簽訂數(shù)個(gè)保險(xiǎn)合同時(shí),數(shù)個(gè)保險(xiǎn)合同的保險(xiǎn)金額的總額超過(guò)保險(xiǎn)價(jià)值(或責(zé)任限額),引致保險(xiǎn)事故發(fā)生時(shí)保險(xiǎn)賠償之總額有可能超過(guò)保險(xiǎn)標(biāo)的實(shí)際損失額或保險(xiǎn)價(jià)值兩者中較小者的保險(xiǎn)。 在本文的最后提出了重復(fù)保險(xiǎn)在保險(xiǎn)實(shí)踐運(yùn)用中的建議。該部分針對(duì)我國(guó)保險(xiǎn)業(yè)的實(shí)際情況,從完善重復(fù)保險(xiǎn)制度的角度出發(fā),分別從投保人、保險(xiǎn)人、監(jiān)管者和社會(huì)其他有關(guān)方面的角度提出了切實(shí)可行的建議,希望各方面能積極配合,從理論和實(shí)踐方面逐步完善我國(guó)的重復(fù)保險(xiǎn)制度。
[Abstract]:The double insurance system plays an important role in ensuring the benign operation of the insurance industry. However, there are few articles on duplicate insurance in our country, which are only mentioned in Article 41 of the Insurance Law and Article 225 of the Maritime Law. The nature, the validity of the contract, the constitutive requirements, the rules of compensation, the conditions and the scope of application are not perfect enough to protect the legitimate rights and interests of the bona fide insured and to balance the interests of the insurers. It is necessary to make some modifications. Therefore, this paper, based on the definition of duplicate insurance, draws lessons from the relevant provisions of foreign duplicate insurance, and uses the methods of basic theoretical research and empirical research to fully expound the various aspects of duplicated insurance. In order to perfect the duplicate insurance system, there are two viewpoints on the definition of duplicate insurance: broad sense theory and narrow sense theory. This paper abstracts the reasonable connotation in broad sense and narrow sense, and puts forward a new definition of duplicate insurance: duplicate insurance refers to the same policy holder on the same subject matter of insurance. When insurance benefits and insurance accidents are signed at the same time, or when several insurance contracts are signed with several insurers in turn, The total amount insured in several insurance contracts exceeds the insured value (or liability limit), and the total amount of insurance compensation at the time of the insurance accident is likely to exceed the amount of the actual loss of the subject matter insured or the lesser of the insured value. At the end of this paper, the author puts forward some suggestions on the application of duplicate insurance in practice. This part aims at the actual situation of China's insurance industry, from the point of view of perfecting the duplicate insurance system, respectively, from the point of view of policy holder and insurer, This paper puts forward some practical suggestions from the angle of the supervisor and other related aspects of the society, and hopes that all aspects can cooperate actively and perfect the duplicate insurance system of our country step by step from the aspects of theory and practice.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2008
【分類(lèi)號(hào)】：D922.284

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 余思;重復(fù)保險(xiǎn)法律問(wèn)題研究[D];華東政法大學(xué);2011年

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本文編號(hào)：1598275