本文選題：財(cái)產(chǎn)保險(xiǎn)合同 + 轉(zhuǎn)讓　； 參考：《中國(guó)政法大學(xué)》2009年碩士論文

【摘要】： 保險(xiǎn)合同是一類(lèi)特殊的商事合同,普通合同法立法、司法和學(xué)說(shuō)對(duì)保險(xiǎn)合同很少涉及。人們通常認(rèn)為其有許多與保險(xiǎn)制度相關(guān)的特別理論,一般合同理論難以適用和駕馭,因而很少?gòu)拿裆谭ㄏ嗷リP(guān)聯(lián)的理論體系出發(fā),來(lái)恰當(dāng)?shù)亩ㄎ槐ｋU(xiǎn)合同的某些問(wèn)題。關(guān)于財(cái)產(chǎn)保險(xiǎn)合同轉(zhuǎn)讓則是這些問(wèn)題中典型一例,不只在合同法中無(wú)特別規(guī)定,我國(guó)2002年保險(xiǎn)法(以下簡(jiǎn)稱舊保險(xiǎn)法)對(duì)其也只在第34條中做寥寥數(shù)語(yǔ)的規(guī)定。由于該條立法規(guī)定比較籠統(tǒng),沒(méi)有具體的操作規(guī)范,在保險(xiǎn)實(shí)務(wù)中常常引起爭(zhēng)議,使投保人或被保險(xiǎn)人本想得到保險(xiǎn)保障的利益得不到保障。并且該條的規(guī)定和舊保險(xiǎn)法第12條的規(guī)定有所沖突。因此,研究財(cái)產(chǎn)保險(xiǎn)合同轉(zhuǎn)讓的相關(guān)問(wèn)題,對(duì)于維護(hù)投保人或者被保險(xiǎn)人的利益,維護(hù)交易穩(wěn)定,具有十分重要的現(xiàn)實(shí)意義。2009年新修改的保險(xiǎn)法(以下簡(jiǎn)稱新保險(xiǎn)法)對(duì)此做了重大修改:規(guī)定財(cái)產(chǎn)保險(xiǎn)合同被保險(xiǎn)人在出險(xiǎn)時(shí)才需具有保險(xiǎn)利益,彌補(bǔ)了法律漏洞;規(guī)定財(cái)產(chǎn)保險(xiǎn)合同轉(zhuǎn)讓無(wú)需征得保險(xiǎn)人的同意,維護(hù)了交易穩(wěn)定;對(duì)財(cái)產(chǎn)保險(xiǎn)合同轉(zhuǎn)讓時(shí)的通知義務(wù)主體亦做了明確規(guī)定,厘清了相關(guān)人員的義務(wù)。但是該次修改仍有不夠完善之處,如未規(guī)定財(cái)產(chǎn)保險(xiǎn)合同法定轉(zhuǎn)讓情形,未明確轉(zhuǎn)讓時(shí)通知的時(shí)間要求等。 本文從一般合同轉(zhuǎn)讓理論入手,對(duì)比新舊保險(xiǎn)法相關(guān)規(guī)定,探討了財(cái)產(chǎn)保險(xiǎn)合同轉(zhuǎn)讓的法律性質(zhì),保險(xiǎn)利益變動(dòng)對(duì)財(cái)產(chǎn)保險(xiǎn)合同轉(zhuǎn)讓的影響以及財(cái)產(chǎn)保險(xiǎn)合同轉(zhuǎn)讓須符合的程序要件。 本文共分三章:第一章從兩個(gè)相互矛盾的司法裁判文書(shū)出發(fā)提出問(wèn)題;第二章從民商法相互關(guān)聯(lián)的理論體系出發(fā),通過(guò)對(duì)各國(guó)法律規(guī)定的對(duì)比分析合同轉(zhuǎn)讓的法律性質(zhì)和須符合的實(shí)質(zhì)條件,以此引出財(cái)產(chǎn)保險(xiǎn)合同轉(zhuǎn)讓須符合的實(shí)質(zhì)條件并著重分析財(cái)產(chǎn)保險(xiǎn)合同轉(zhuǎn)讓需符合的特殊原則——保險(xiǎn)利益原則;第三章從合同轉(zhuǎn)讓須符合的程序條件出發(fā),討論財(cái)產(chǎn)保險(xiǎn)合同轉(zhuǎn)讓的程序要件,即保險(xiǎn)標(biāo)的轉(zhuǎn)讓?xiě)?yīng)當(dāng)通知保險(xiǎn)人,保險(xiǎn)人亦有重新評(píng)估風(fēng)險(xiǎn)以決定解除合同或者調(diào)整保險(xiǎn)費(fèi)的權(quán)利;通知人可為讓與人或受讓人;通知保險(xiǎn)標(biāo)的的轉(zhuǎn)讓事實(shí)的時(shí)間亦應(yīng)有所規(guī)制。
[Abstract]:Insurance contract is a special kind of commercial contract. People usually think that there are many special theories related to insurance system, and the general contract theory is difficult to apply and control, so it is seldom set out from the interrelated theory system of civil and commercial law to properly locate some problems of insurance contract. The assignment of property insurance contract is a typical example of these problems, not only in the contract law, but also in the article 34 of our insurance law (hereinafter referred to as the old insurance law). Due to the general provisions of the legislation, there is no specific operational norms, in the practice of insurance often cause controversy, so that the insured or insured would like to get the protection of the interests of insurance can not be protected. And the provisions of this section conflict with the provisions of section 12 of the old insurance law. Therefore, to study the problems related to the transfer of property insurance contracts, to safeguard the interests of the policyholders or the insured, and to maintain the stability of the transactions, It has very important practical significance. The new insurance law of 2009 (hereinafter referred to as the new insurance law) has made great changes to this: it stipulates that the insured of property insurance contract should have insurance interest only when they are out of danger, which makes up the legal loophole; It provides that the transfer of property insurance contract does not require the consent of the insurer and maintains the stability of the transaction. The subject of the notification obligation in the transfer of the property insurance contract is also clearly defined to clarify the obligations of the relevant persons. However, the amendment is still imperfect, such as not stipulating the legal transfer of property insurance contract, not specifying the time requirement of notice when the assignment is made, and so on. Starting with the general contract transfer theory and comparing the relevant provisions of the old and new insurance laws, this paper discusses the legal nature of the transfer of property insurance contracts. The influence of the change of insurance interest on the transfer of property insurance contract and the procedural requirements of the transfer of property insurance contract. This paper is divided into three chapters: the first chapter puts forward questions from two contradictory judicial adjudication documents, the second chapter starts from the theory system of civil and commercial law. Through a comparative analysis of the legal nature of the transfer of contracts and the substantive conditions to be met, In this way, it leads to the essential conditions that the transfer of property insurance contract must conform to, and analyzes emphatically the special principle of the assignment of property insurance contract-the principle of insurance benefit. Chapter three starts from the procedural conditions that the transfer of property insurance contract must conform to. To discuss the procedural elements of the transfer of property insurance contract, that is, the transfer of the subject matter of insurance should be notified to the insurer, and the insurer also has the right to reassess the risk in order to decide on the termination of the contract or the adjustment of the insurance premium, and the notifier may be the transferor or the assignee; Notice of the transfer of the subject matter of the insurance should also be subject to regulation of the time.
【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】：2009
【分類(lèi)號(hào)】：D922.284

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前2條

1 孫曉雯;論財(cái)產(chǎn)保險(xiǎn)標(biāo)的轉(zhuǎn)讓后保險(xiǎn)合同的效力[D];中國(guó)政法大學(xué);2011年

2 鄒小彤;保險(xiǎn)標(biāo)的轉(zhuǎn)讓條款研究[D];吉林大學(xué);2012年

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本文編號(hào)：2040293