保險(xiǎn)保證條款研究
發(fā)布時(shí)間：2018-07-13 11:22
【摘要】：保險(xiǎn)合同法中的“保證”是最大誠信原則中的重要內(nèi)容。保險(xiǎn)人在保險(xiǎn)合同中運(yùn)用保證條款旨在控制危險(xiǎn),確保保險(xiǎn)標(biāo)的處于良好的風(fēng)險(xiǎn)狀態(tài)。完善保險(xiǎn)合同法中的保證,有利于降低道德風(fēng)險(xiǎn),增強(qiáng)被保險(xiǎn)人對保險(xiǎn)標(biāo)的的管理責(zé)任,促進(jìn)整個(gè)保險(xiǎn)業(yè)的發(fā)展。保險(xiǎn)合同中的保證條款是保證在合同中的表現(xiàn)形式,其在實(shí)務(wù)中的運(yùn)用是非常頻繁的。當(dāng)前我國法律體系中缺失保險(xiǎn)保證規(guī)定,且我國保險(xiǎn)業(yè)務(wù)中的道德風(fēng)險(xiǎn)較高。因此,對保險(xiǎn)保證的構(gòu)建仍具有理論和現(xiàn)實(shí)意義,不僅可在理論上為保險(xiǎn)保證之確立提供經(jīng)濟(jì)學(xué)理論支撐、充實(shí)誠實(shí)信用原則,而且可在實(shí)務(wù)上最大限度督促保險(xiǎn)雙方當(dāng)事人誠實(shí)守信,具有重大意義。本文針對我國保險(xiǎn)保證缺失現(xiàn)狀,圍繞保險(xiǎn)保證是否有存在之必要,從理論和實(shí)務(wù)上進(jìn)行回應(yīng)。第二部分對我國和海外的保險(xiǎn)保證制度現(xiàn)狀進(jìn)行了對比分析,對英國、美國、臺灣地區(qū)以及國內(nèi)保險(xiǎn)保證的學(xué)術(shù)研究及法律規(guī)定進(jìn)行介紹,進(jìn)而揭露我國保險(xiǎn)保證法律規(guī)定的不足之處。本文繼而將視角回歸國內(nèi),從我國法律、司法解釋及法院內(nèi)部指導(dǎo)意見上檢視保險(xiǎn)保證現(xiàn)狀,可知當(dāng)前我國保險(xiǎn)保證處于于法無據(jù)的境況。而后對保險(xiǎn)保證的內(nèi)容進(jìn)行深入探討,對保險(xiǎn)保證的法律性質(zhì)屬于“附隨義務(wù)”還是“不真正義務(wù)”進(jìn)行界定;對保證條款的形式要件進(jìn)行分類;對保證條款內(nèi)容定型化加以分析;對“爭議最大的”違反保證條款的法律效力進(jìn)行綜合論述。最后以完善保險(xiǎn)保證為落腳點(diǎn),提出完善保險(xiǎn)保證制度的一些思考,從最大誠信原則、契約自由原則、保險(xiǎn)監(jiān)督與保護(hù)消費(fèi)者利益原則以及立法、司法與學(xué)理相一致的指導(dǎo)原則出發(fā),對保險(xiǎn)保證理論及制度進(jìn)行深入探索。
[Abstract]:The guarantee in insurance contract law is an important part of the principle of maximum good faith. The insurer uses the warranty clause in the insurance contract to control the risk and ensure that the subject matter of insurance is in a good state of risk. Perfecting the guarantee in the insurance contract law is beneficial to reduce moral hazard, strengthen the insurant's responsibility to the subject matter of insurance, and promote the development of the insurance industry as a whole. The warranty clause in insurance contract is the manifestation of guarantee in contract, and its application in practice is very frequent. At present, insurance guarantee is absent in our country's legal system, and the moral hazard in insurance business is high. Therefore, the construction of insurance guarantee still has theoretical and practical significance, which can not only provide economic theoretical support for the establishment of insurance guarantee, but also enrich the principle of good faith. Moreover, it is of great significance to urge the insurance parties to be honest and trustworthy to the maximum extent in practice. In view of the present situation of the absence of insurance guarantee in China, this paper makes a theoretical and practical response to whether the insurance guarantee is necessary or not. The second part makes a comparative analysis of the current situation of insurance guarantee system in China and overseas, and introduces the academic research and legal provisions of insurance guarantee in Britain, the United States, Taiwan and China. Furthermore, it reveals the deficiency of the law of insurance guarantee in our country. This article then returns the angle of view to domestic, from our country law, the judicial interpretation and the court internal guidance opinion to examine the insurance guarantee present situation, know our country insurance guarantee is in the legal unsubstantiated situation at present. Then the content of insurance guarantee is deeply discussed, the legal nature of insurance guarantee is defined as "collateral obligation" or "unreal obligation", and the formal elements of warranty clause are classified. This paper analyzes the formalization of the content of warranty clause, and comprehensively discusses the legal effect of the most controversial breach of warranty clause. Finally, the author puts forward some thoughts on the perfection of insurance guarantee system, including the principle of maximum good faith, the principle of freedom of contract, the principle of insurance supervision and protection of consumers' interests, and the legislation. Proceeding from the guiding principle of consistent judicial and academic principles, the theory and system of insurance guarantee are deeply explored.
【學(xué)位授予單位】：深圳大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：D922.284
本文編號：2119182
[Abstract]:The guarantee in insurance contract law is an important part of the principle of maximum good faith. The insurer uses the warranty clause in the insurance contract to control the risk and ensure that the subject matter of insurance is in a good state of risk. Perfecting the guarantee in the insurance contract law is beneficial to reduce moral hazard, strengthen the insurant's responsibility to the subject matter of insurance, and promote the development of the insurance industry as a whole. The warranty clause in insurance contract is the manifestation of guarantee in contract, and its application in practice is very frequent. At present, insurance guarantee is absent in our country's legal system, and the moral hazard in insurance business is high. Therefore, the construction of insurance guarantee still has theoretical and practical significance, which can not only provide economic theoretical support for the establishment of insurance guarantee, but also enrich the principle of good faith. Moreover, it is of great significance to urge the insurance parties to be honest and trustworthy to the maximum extent in practice. In view of the present situation of the absence of insurance guarantee in China, this paper makes a theoretical and practical response to whether the insurance guarantee is necessary or not. The second part makes a comparative analysis of the current situation of insurance guarantee system in China and overseas, and introduces the academic research and legal provisions of insurance guarantee in Britain, the United States, Taiwan and China. Furthermore, it reveals the deficiency of the law of insurance guarantee in our country. This article then returns the angle of view to domestic, from our country law, the judicial interpretation and the court internal guidance opinion to examine the insurance guarantee present situation, know our country insurance guarantee is in the legal unsubstantiated situation at present. Then the content of insurance guarantee is deeply discussed, the legal nature of insurance guarantee is defined as "collateral obligation" or "unreal obligation", and the formal elements of warranty clause are classified. This paper analyzes the formalization of the content of warranty clause, and comprehensively discusses the legal effect of the most controversial breach of warranty clause. Finally, the author puts forward some thoughts on the perfection of insurance guarantee system, including the principle of maximum good faith, the principle of freedom of contract, the principle of insurance supervision and protection of consumers' interests, and the legislation. Proceeding from the guiding principle of consistent judicial and academic principles, the theory and system of insurance guarantee are deeply explored.
【學(xué)位授予單位】：深圳大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：D922.284
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