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  本文選題：復保險　切入點：損害填補　出處：《上海海事大學》2005年碩士論文

【摘要】：復保險是保險法中貫徹損害填補原則與禁止不當利原則的重要機制之一,目的是為了防止被保險人企圖借保險合同的訂立,獲得超額補償。但是目前各國對復保險的立法比較粗略,學界對復保險的定義、構成要件、適用范圍等基本問題尚存爭議,因此本文就復保險概念及適用中的爭議加以分析,并借此對我國《保險法》和《海商法》中關于復保險規(guī)定的完善提出建議。 本文第一章主要闡述復保險的定義、構成要件及與其他相近概念的比較。筆者贊同復保險狹義論,同時還建議增加“同一被保險人”、“向數(shù)個保險人訂立數(shù)個保險合同”、“保險期間重合”、“保險金總和超過保險價值”為復保險構成要件。同時,文章還將復保險定義與相關概念進行了區(qū)別。 本文第二章主要闡述了復保險適用范圍。目前理論界對此有三種觀點,主要分歧在于復保險是否適用于人身保險。筆者認為復保險適用范圍應根據(jù)損害的性質與險種的特性來分析,因此贊同重復保險適用于損害填補類保險原則。 本文第三章主要闡述了復保險法律效力�！侗ｋU法》對復保險法律效力規(guī)定不甚明確,筆者認為應從投保人主觀動機加以區(qū)分,分別規(guī)定善意復保險與惡意復保險的效力。 本文第四章主要闡述了復保險通知義務,首先介紹了復保險通知義務的立法意旨、通知內容及通知的履行,接著將通知義務與告知義務進行了比較,并建議在增補違反通知義務法律后果的立法中,借鑒臺灣地區(qū)立法,區(qū)分投保人是善意還是惡意,不贊成一律無效。 本文第五章對被保險人與保險人的權益分別進行了闡述。首先對被保險人索賠方式和索賠最大數(shù)額進行了分析,并建議統(tǒng)一《保險法》與《海商法》關于被保險人索賠最大數(shù)額的不同規(guī)定,以便于被保險人得到足額賠償。由于我國暫無保險費返還的法律規(guī)定,筆者建議參照英國《1906年海上保險法》的規(guī)定,并對其相應條文中復保險保費返還的限制作了分析。接著對保險人解除權的行使、保險人之間的分攤、追償作了闡述,認為保險人解除權的行使不妨礙民法上撤銷權的行使,并建議對復保險分攤條件加以細化以便于實務操作,同時認為將保險人之間追償權定位于代位求償權更有利于維護保險人利益。 筆者在參閱了大量相關文獻、分析了理論界相關爭議的基礎上撰寫此文,希望能對我國復保險制度的完善有所幫助。
[Abstract]:Reinsurance is one of the important mechanisms of carrying out the principle of compensation of damages and prohibition of improper interest in the insurance law, in order to prevent the insured from attempting to conclude the insurance contract by way of insurance. However, there are still some disputes about the definition of reinsurance, the elements of composition, the scope of application and so on. Therefore, this paper analyzes the concept of reinsurance and the disputes in its application. Some suggestions on the improvement of the reinsurance regulations in China's Insurance Law and Maritime Law are put forward. The first chapter of this paper mainly expounds the definition of reinsurance, the constitutive elements and the comparison with other similar concepts. It is also proposed to add "the same insured", "to conclude several insurance contracts with several insurers", "to overlap the period of insurance", and "the sum of the insurance funds to exceed the insured value" as the constituent elements of the reinsurance. At the same time, This paper also distinguishes the definition of double insurance from related concepts. The second chapter of this paper mainly expounds the scope of application of reinsurance. At present, there are three views on this in the theoretical circle. The author thinks that the scope of application of double insurance should be analyzed according to the nature of damage and the characteristics of insurance, so the author agrees that duplicate insurance is applicable to the principle of compensation of damage. The third chapter mainly expounds the legal effect of reinsurance. The law of insurance is not clear about the legal effect of reinsurance. The author thinks that the validity of bona fide reinsurance and malicious reinsurance should be distinguished from the subjective motive of the policyholder. The fourth chapter mainly expounds the obligation of notice of reinsurance. Firstly, it introduces the legislative intent, the content of notice and the performance of notice, and then compares the obligation of notice with the obligation of notification. In addition to the legislation of the legal consequences of breach of the obligation of notification, it is suggested that the legislation of Taiwan should be used for reference to distinguish whether the policyholder is in good faith or malicious, and that disapproval is null and void. The fifth chapter expounds the rights and interests of the insured and the insurer respectively. It is also proposed to unify the different provisions of the Insurance Law and the Maritime Law on the maximum amount claimed by the insured, so as to facilitate the insured to receive full compensation. The author suggests to refer to the provisions of the British Marine Insurance Law of 1906, and to analyze the limitation of the return of the premium of reinsurance in the corresponding articles, and then expounds the exercise of the insurer's right of rescission, the apportionment among the insurers, and the recovery of the premium. It is considered that the exercise of the insurer's right of rescission does not hinder the exercise of the right of rescission in civil law, and it is suggested that the allocation conditions of reinsurance should be refined in order to facilitate the practical operation. At the same time, the author thinks that it is more advantageous to maintain the insurer's interests by positioning the right of recourse among insurers in the right of subrogation. This paper is written on the basis of consulting a lot of relevant documents and analyzing the related disputes in the theoretical circle, hoping to be helpful to the perfection of the reinsurance system in China.
【學位授予單位】：上海海事大學
【學位級別】：碩士
【學位授予年份】：2005
【分類號】：D922.284

【引證文獻】

相關碩士學位論文 前2條

1 林四寶;海上保險中的損失補償原則[D];西南政法大學;2007年

2 蘇杭;多數(shù)保險并存情形之法律問題研析[D];西南政法大學;2008年

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本文編號：1691628