国际保险合同的法律适用研究

发布时间：2018-03-13 01:12

本文选题：国际保险合同　切入点：人身保险合同　出处：《南京大学》2011年硕士论文　论文类型：学位论文

【摘要】：国际保险合同是指具有国际因素,涉及不同国家的法律适用的合同。我国对于国际保险合同法律适用的规定比较单一,仅规定保险合同适用保险人的住所地法。但是现实中保险合同的种类繁多,各类保险合同所追求的价值各异,在法律适用时也就各不相同。故我们应该借鉴其它国家在保险法律适用方面的先进立法经验,以完善我国的保险法律体系,促进我国保险业的快速健康发展。国际保险合同遵循合同法律适用的一般原则,首先应当按照当事人意思自治原则来确定准据法,但是因保险合同的特殊性,这种选择被限制在一定的范围内,并且要受到公共政策和强行规范的限制。在当事人没有做出选择的情况下,保险合同适用与其有最密切联系的国家的法律。最密切联系国家的确定一般依照特征性履行原则来进行判断。国际保险合同的法律适用中,一般涉及人身保险合同、财产保险合同以及再保险合同。在国际保险合同中,特别是人身保险合同,一般情况下保险合同双方当事人的地位不完全对等,被保险人一般处于弱势的地位,为了维护被保险人的利益,就要特别考虑对弱方当事人的保护。在法律适用时人身保险合同的当事人所选择的法律范围就很狭窄,一般限定在被保险人的住所地法或合同缔结时的风险所在地法。财产保险合同的当事人的选择范围相对来说要宽泛一些。再保险合同与原保险合同有着密切的联系,但其仍是一个相对独立的保险合同,而且再保险合同的当事人一般是保险公司,经济地位对等,不存在弱方保护的问题,故对于再保险合同的法律选择不需要给予太多的限制。
[Abstract]:International insurance contract refers to a contract with international factors and involving different countries. It is only stipulated that the insurance contract is applicable to the law of the insurer's domicile. However, in reality, there are many types of insurance contracts, and the value pursued by various types of insurance contracts is different. Therefore, we should learn from the advanced legislative experience of other countries in the application of insurance laws in order to perfect the insurance legal system of our country. To promote the rapid and healthy development of the insurance industry in China. International insurance contracts follow the general principles of the application of contract law. First of all, the applicable law should be determined in accordance with the principle of party autonomy, but due to the particularity of the insurance contract, This choice is limited to a certain extent and subject to public policy and mandatory regulation... In the absence of a choice by the parties, An insurance contract is governed by the law of the country with which it is most closely connected. The determination of the most closely connected country is generally judged according to the principle of characteristic performance. In the legal application of international insurance contracts, they generally involve personal insurance contracts, property insurance contracts and reinsurance contracts. In international insurance contracts, especially personal insurance contracts, Generally speaking, the status of both parties to an insurance contract is not completely equal, and the insured is generally in a weak position. In order to safeguard the interests of the insured, Special consideration should be given to the protection of the weak party. The scope of the law chosen by the parties to the life insurance contract is very narrow when the law is applicable. It is generally limited to the law of the place of residence of the insured or the law of the place of risk at the time of the conclusion of the contract. The scope of choice of the parties to the property insurance contract is relatively broad. The reinsurance contract is closely related to the original insurance contract. But it is still a relatively independent insurance contract, and the parties to the reinsurance contract are generally insurance companies, economic status is equal, there is no problem of weak party protection, so there is no need to give too many restrictions on the legal choice of reinsurance contract.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D996;D922.284

【引证文献】