本文選題：保險(xiǎn)條款　切入點(diǎn)：格式條款　出處：《華東政法學(xué)院》2007年碩士論文

【摘要】： 保險(xiǎn)制度作為商法制度的重要組成部分,其意義在于匯集個(gè)人的力量,以成立危險(xiǎn)共同體,于成員發(fā)生事故需要補(bǔ)償時(shí)提供經(jīng)濟(jì)支助,以分散及消化其危險(xiǎn);其功能在于免除個(gè)人在社會(huì)經(jīng)濟(jì)生活中可能遭遇危險(xiǎn)的憂慮,以達(dá)到社會(huì)安定與和諧的目的。保險(xiǎn)合同作為一種格式化合同,合同當(dāng)事人的權(quán)利義務(wù)主要體現(xiàn)在格式化的保險(xiǎn)合同條款等保險(xiǎn)合同文本之中。格式化保險(xiǎn)條款在給保險(xiǎn)商事活動(dòng)帶來便利和高效的同時(shí),也日益成為保險(xiǎn)合同當(dāng)事人之間爭議的焦點(diǎn)所在。同時(shí),保險(xiǎn)作為一種特殊的商事制度,其自身又有著一些自成體系的規(guī)則和慣例。在司法實(shí)踐中,如果僅運(yùn)用一般的合同解釋方法對(duì)保險(xiǎn)合同條款進(jìn)行解釋,往往會(huì)失之于簡單甚至粗陋,并不一定能揭示保險(xiǎn)合同的主旨,難以準(zhǔn)確把握和平衡保險(xiǎn)合同當(dāng)事人之間的權(quán)利義務(wù)關(guān)系。加之在我國司法實(shí)踐中,保險(xiǎn)合同的解釋方法并未形成統(tǒng)一體系,對(duì)合同的解釋方法和規(guī)則還停留在學(xué)理探討層面,《合同法》和《保險(xiǎn)法》對(duì)于合同(保險(xiǎn)合同)解釋僅有原則性或零星的規(guī)定。此種狀況給司法實(shí)踐對(duì)保險(xiǎn)合同案件的審理帶來了困惑和挑戰(zhàn),本文作者在審判實(shí)踐中也深切感受到有必要對(duì)保險(xiǎn)合同條款解釋方法進(jìn)行系統(tǒng)的梳理和深入的研究。 本文首先從保險(xiǎn)合同條款屬于格式條款著手,詳細(xì)分析了保險(xiǎn)格式條款的特征,提出了保險(xiǎn)合同條款解釋的基本原則,探討了對(duì)保險(xiǎn)合同條款進(jìn)行解釋的必要性和客體等基本法理問題,對(duì)保險(xiǎn)合同條款的一般解釋方法進(jìn)行了闡述和分析,并重點(diǎn)從目的解釋方法、遵從保險(xiǎn)商業(yè)慣例解釋方法、誠實(shí)信用解釋方法、疑義利益規(guī)則解釋方法以及免責(zé)條款的解釋等方面對(duì)保險(xiǎn)合同條款的解釋提出了適用和規(guī)制方法。最后,文章從實(shí)踐出發(fā),對(duì)當(dāng)前因立法存在不足造成的保險(xiǎn)合同條款解釋體系缺陷以及司法實(shí)踐中對(duì)保險(xiǎn)合同條款解釋存在的誤區(qū)和問題進(jìn)行了揭示和分析,探討了完善我國保險(xiǎn)合同條款解釋方法的途徑,并提出了較為可行的適用規(guī)則,以期對(duì)保險(xiǎn)案件的審理有所裨益,合理界定保險(xiǎn)合同當(dāng)事人之間的權(quán)利義務(wù),促進(jìn)保險(xiǎn)商事活動(dòng)的和諧發(fā)展。
[Abstract]:Insurance system as an important part of commercial law system, its significance lies in the pooling of individual strength, in order to establish a dangerous community, in order to provide economic support when members need to compensate for accidents, in order to disperse and digest their dangers;Its function is to avoid the danger of personal social and economic life, in order to achieve the goal of social stability and harmony.Insurance contract as a formatting contract, the rights and obligations of the parties to the contract are mainly reflected in the formatted insurance contract terms and other insurance contract texts.Formatting insurance clause not only brings convenience and efficiency to insurance commercial activities, but also becomes the focus of dispute between insurance contract parties.At the same time, as a special commercial system, insurance has its own system of rules and practices.In judicial practice, if only the general contract interpretation method is used to interpret the terms of the insurance contract, it will often lose its simplicity or even crude, which does not necessarily reveal the main thrust of the insurance contract.It is difficult to accurately grasp and balance the rights and obligations between the parties to an insurance contract.In addition, in the judicial practice of our country, the interpretation method of insurance contract has not formed a unified system.The interpretation methods and rules of contract are still on the theoretical level. The interpretation of contracts (insurance contracts) is only provided in principle or in a piecemeal manner in contract law and insurance law.This situation brings confusion and challenge to the trial of insurance contract cases in judicial practice. In the trial practice, the author also deeply feels that it is necessary to systematically comb and deeply study the interpretation methods of insurance contract terms.This paper begins with the form clause of the insurance contract, analyzes the characteristics of the insurance form clause in detail, and puts forward the basic principles of the interpretation of the insurance contract clause.This paper probes into the necessity and object of the interpretation of insurance contract terms, expounds and analyzes the general interpretation methods of insurance contract terms, and emphasizes on the interpretation method of the purpose and compliance with the commercial practice of insurance.The methods of good faith interpretation, the interpretation of doubtful benefit rules and the interpretation of exemption clauses are put forward to apply and regulate the interpretation of insurance contract terms.Finally, from the point of view of practice, the article reveals and analyzes the defects in the interpretation system of insurance contract terms caused by the deficiency of legislation and the misunderstanding and problems existing in the interpretation of insurance contract terms in judicial practice.This paper probes into the ways of perfecting the interpretation methods of insurance contract terms in our country, and puts forward more feasible applicable rules in order to benefit the trial of insurance cases and reasonably define the rights and obligations between the parties to insurance contracts.To promote the harmonious development of insurance commercial activities.
【學(xué)位授予單位】：華東政法學(xué)院
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2007
【分類號(hào)】：D922.284

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前2條

1 薛莉;保險(xiǎn)合同格式條款的解釋體系研究[D];遼寧大學(xué);2011年

2 季久燕;保險(xiǎn)合同有利解釋原則問題研究[D];華東政法大學(xué);2009年

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本文編號(hào)：1720107