保险合同法定解除制度研究

发布时间：2018-04-12 17:58

本文选题：保险合同 + 法定解除　；参考：《大连海事大学》2013年硕士论文

【摘要】：保险合同是一种兼具射幸合同、最大诚信合同、附和性特征的民商事合同。保险合同的主旨除却追求交易公平,即为平和利益。当保险合同双方当事人无法、无意继续履行合同,或合同已无法实现目的时,应给予当事人消灭合同关系、减少自身损失的解除合同的权利。保险合同法定解除制度的存在,意在希冀通过在法定条件下赋予守约一方单方解除保险合同的权利,对投保方的不当行为进行调试和校正。但作为一种形成权的保险合同法定解除权,其适用和范围应通过法律加以严格限制,以避免保险人利用自己在保险合同中的优势地位滥用权利,破坏投保一方附加于保险合同之上的可期待利益,从而破坏保险交易秩序。我国《保险法》虽然经过两次修订,但司法实践中出现的法定保险合同的解除情形仍旧不够集中统一,体系不够完整,欠缺细致深入的厘定,其合理性也尚待进一步明晰。此外合同解除后的溯及力等问题也需要进一步完善。本文将采用比较法学和价值分析的方法,通过实证分析、利益权衡,结合域内外相关一方面的先进立法规则和共通经验、学说,在我国立法和司法实践的基础上,探讨有关保险合同解除的理论,以期对于我国保险法相关理论研究有所裨益。本文共包括四部分,第一部分对于保险合同法定解除制度进行定位,通过对于其功能的解说,结合与其它相关制度的比较,具体阐释了保险合同法定解除制度存在的功能与地位,明确了其重要性。第二部分针对我国保险法的规定中普遍存在的保险合同法定解除制度的具体情况,对其进行明释,从较大范围上对我国保险法中关于法定解除类型加以总结和诠释。第三部分对于其行使限制进行阐述,结合行使效果将其作用和负面效应一一论述,补充了我国《保险法》的相关规定,以避免对其权利无限化理解的偏差。第四部分结合我国相关问题的立法现状,从《保险法》两次修改以及两部司法解释说起,提出了目前其进一步修改的原则和目标,同时从两个亟待解决的方面提出了修改建议,以便更好地完善现行《保险法》
[Abstract]:Insurance contract is a kind of civil and commercial contract with the characteristics of good fortune, maximum good faith and agreement.The purport of insurance contract apart from the pursuit of fair transaction, that is, peace of interest.When the parties to an insurance contract are unable and have no intention of continuing to perform the contract, or if the contract has failed to achieve its purpose, the parties shall be given the right to terminate the contract by eliminating the contractual relationship and reducing their own losses.The existence of the legal rescission system of insurance contract is intended to debug and correct the improper behavior of the insured party by granting the right of unilateral rescission of the insurance contract to the defending party under the legal conditions.However, as a kind of forming right, the application and scope of the legal rescission of insurance contract should be strictly limited by law in order to avoid the insurer abusing his advantage in the insurance contract.Destroy the expected interest of the insured party attached to the insurance contract, thus destroying the order of the insurance transaction.Although the Insurance Law of our country has been revised twice, the rescission of the legal insurance contract in judicial practice is still not centralized and unified, the system is not complete, and the rationality of the legal insurance contract remains to be further clarified.In addition, the retroactivity after the termination of the contract and other issues need to be further improved.This article will adopt the method of comparative law and value analysis, through empirical analysis, benefit balance, combined with the relevant aspects of the field of advanced legislative rules and common experience, theory, on the basis of our legislative and judicial practice,This paper probes into the theory of the termination of insurance contract in order to benefit the relevant theoretical research of insurance law in our country.This paper consists of four parts. The first part is about the positioning of the legal rescission system of insurance contract, through the explanation of its function, combining with the comparison with other related systems.This paper expounds the function and status of the legal rescission system of insurance contract, and clarifies its importance.In the second part, according to the specific situation of the legal rescission system of insurance contract, the author summarizes and interprets the types of legal rescission in the insurance law of our country.The third part expounds the restriction of its exercise, discusses its function and negative effect one by one, complements the relevant provisions of our country's Insurance Law, in order to avoid the deviation of understanding its unlimited rights.The fourth part combines with the current legislative situation of the relevant problems in China, starting with the two amendments to the Insurance Law and the two judicial interpretations, puts forward the principles and objectives of its further revision at present, and at the same time puts forward some suggestions for amendment from two aspects that need to be solved urgently.In order to perfect the current Insurance Law better
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.284

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