海上保险最大诚信原则研究

发布时间：2018-04-03 11:03

本文选题：海上保险　切入点：诚信原则　出处：《哈尔滨工程大学》2011年硕士论文

【摘要】：英国是贸易大国,也是海运强国。英国的海上保险立法为英国海运业的持续发展保驾护航,其中英国《1906年海上保险法》的最大诚信原则以其严格性而著称。近年来,国内海上保险业陷入诚信缺失的困境,一方面有些保险公司为了短期内提高销售量误导和欺骗投保人(或被保险人),另一方面一些投保人制造虚假理赔的现象时有发生。这些不健康的因素正制约着我国海上保险业乃至整个保险业的发展。从世界范围看,我国海上保险业面临着前所未有的机遇与挑战,所以我们应竭尽全力扩大我国在国际海上保险市场上的影响力与竞争力。诚信是企业竞争、经济发展、社会安定之本,诚信也为避免诚信危机的发生提供了支持与保障。因此,我国有必要在借鉴英国等国家立法的基础上,在海上保险立法中确立最大诚信原则,并进一步完善相关内容。本文先在第一章主要介绍了研究的背景和目的,以及国内外学者对最大诚信原则的研究现状。第二章分别叙述了诚信原则及最大诚信原则的内涵,指出其内涵处于不断发展的过程,并讨论了两者的区别与联系。第三章首先简介了几个国家有关最大诚信原则的立法,然后主要分析了最大诚信原则在英国《1906年海上保险法》的规定及适用过程,这将有助于我们理解最大诚信原则的本质。第四章讨论了最大诚信原则对保险双方当事人的约束。通过被保险人的告知、保证、危险增加通知等义务,以及保险人的说明、弃权与禁止反言义务的分析,得出最大诚信原则实质上是贯通双方当事人的枢纽,其目的在于平衡双方之间的利益。第五章阐述了我国2009年10月1日起施行的《保险法》的修订所体现的最大诚信原则,并建议我国对最大诚信原则做出明确规定,将代理人作为独立的告知主体,整合告知义务的方式、引入默示保证等具体规定。
[Abstract]:Britain is a great trading country and a shipping power.The British marine insurance legislation guarantees the sustainable development of the British maritime industry, and the principle of maximum good faith of the British Marine Insurance Act 1906 is famous for its strictness.In recent years, the domestic marine insurance industry has fallen into the dilemma of lack of integrity.On the one hand, some insurance companies mislead and deceive the insured in order to increase the sales volume in the short term, on the other hand, some policyholders make false claims from time to time.These unhealthy factors are restricting the development of China's marine insurance industry and even the whole insurance industry.In the world, China's marine insurance industry is facing unprecedented opportunities and challenges, so we should do our best to expand our influence and competitiveness in the international marine insurance market.Honesty is the foundation of enterprise competition, economic development and social stability. It also provides support and guarantee for avoiding credit crisis.Therefore, it is necessary for China to establish the principle of maximum good faith in marine insurance legislation on the basis of drawing lessons from the legislation of Britain and other countries, and further improve the relevant contents.In the first chapter, this paper introduces the background and purpose of the research, and the present situation of the research on the principle of maximum honesty at home and abroad.The second chapter describes the connotation of the principle of good faith and the principle of maximum good faith, points out that the connotation of the principle is in the process of continuous development, and discusses the difference and relationship between the two principles.The third chapter introduces the legislation of the principle of maximum good faith in several countries at first, and then mainly analyzes the regulation and application process of the principle of maximum good faith in the British Maritime Insurance Law 1906, which will help us to understand the essence of the principle of maximum good faith.Chapter four discusses the restraint of the principle of maximum good faith to both parties of insurance.Through the analysis of the insured's obligations of informing, guaranteeing, increasing risk notification, as well as the insurer's explanation, waiver and estoppel obligations, it is concluded that the principle of maximum good faith is essentially the hub of both parties.The aim is to balance the interests of both sides.The fifth chapter expounds the principle of maximum good faith embodied in the revision of the Insurance Law, which comes into effect on October 1, 2009, and suggests that our country should make a clear stipulation on the principle of maximum good faith and take the agent as the independent notifying subject.Integration of the means of informing obligations, the introduction of implied guarantees and other specific provisions.
【学位授予单位】：哈尔滨工程大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D922.284;D956.1

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