应对西方海上保险垄断的法律对策

发布时间：2018-08-29 16:44

【摘要】：海上保险一直以来都为远洋航运提供支持和保障，转移、分散货主和船东的风险。目前为止，虽然很多国家和地区都积极开展海上保险业务，但欧洲国家在海上保险行业仍居垄断地位，并利用其垄断地位和优势来控制全球的海上保险和再保险业务，并由此控制和影响全球航运和国际贸易，并进而影响国际政治、军事和地区安全。中国的海上保险企业通常都需要去欧洲安排再保险，因此也受制于西方国家的垄断影响。为了更好地为中国的远洋航运业提供有效的保险保障，，应对西方海上保险垄断尤为重要。为此，本文提出如能在国内建立起一个运作良好的海上保险市场，就可以在该市场内部通过多个承保人分别认购部分份额的方式承保海上风险，从而不需要去西方国家寻求再保险即可达到分散风险的目的。同时，利用在中国国内建立保险市场的契机，还可以在该保险市场中使用更适合中国远洋航运船舶的保险产品，不必再遵循西方海上保险业区分船舶保险、保赔保险的传统做法，完全可以将二者合并到一张保单之下，发挥一揽子保险合同的优势。为此，本文讨论了海上保险合同法的基本原则对新一揽子保险的适用问题。
[Abstract]:Marine insurance has been providing support and protection for ocean shipping, shifting and dispersing the risks of cargo owners and shipowners. Up to now, although many countries and regions are actively engaged in marine insurance business, European countries still have a monopoly position in the marine insurance industry and use their monopoly position and advantages to control the global marine insurance and reinsurance business. And thus control and influence global shipping and international trade, and thus affect international politics, military and regional security. Chinese marine insurers often go to Europe to arrange reinsurance and are therefore subject to Western monopolies. In order to provide effective insurance protection for China's ocean shipping industry, it is particularly important to deal with the western marine insurance monopoly. Therefore, this paper suggests that if a well-functioning marine insurance market can be established in China, it can be used within the market to underwrite marine risks by means of partial share subscription by multiple insurers. Thus do not need to seek reinsurance in western countries to achieve the purpose of risk diversification. At the same time, by taking advantage of the opportunity to establish an insurance market in China, we can also use insurance products that are more suitable for China's ocean-going shipping vessels in the insurance market, without having to follow the western marine insurance industry to distinguish ship insurance. The traditional method of insurance can combine the two under one policy to give play to the advantages of a package insurance contract. Therefore, this paper discusses the application of the basic principles of marine insurance contract law to the new package insurance.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：D922.294;D922.284

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