中外保险法有关保险人说明义务的比较研究

发布时间：2018-11-21 18:55

【摘要】：所谓保险人说明义务是指保险人或其代理人在保险合同订立过程中应依法履行的向投保人提供保险建议,明确阐释保险合同责任相关条款、术语等内容,使投保人明晰其依照保险合同应享有的权利和义务而不致产生混淆、误解等错误认识的法定义务。保险人说明义务制度是一项重要的保险法律制度,有利于平衡保险合同双方的缔约优势,保护投保人利益,实现保险合同的公平正义。从国际范围内来看,各保险业比较发达的国家都对相关保险人说明义务进行了完善的立法约束。但是,在我国立法中有关保险人说明义务的理论研究和交易实践都不成熟完善,保险销售误导等不诚信行为盛行,严重限制了保险行业的健康发展。本论文共分为四部分：第一章,系统阐述了保险人说明义务的产生原因,基于保险交易的特点及合同法原理阐述了保险人说明义务的必要性及合理性；第二章,系统总结了我国保险法相关立法有关保险人说明义务的历史演进,根据保险法原理和保险交易实践中存在的问题分析了现行保险法立法在保险人说明义务问题上存在的缺陷；第三章,简要介绍欧美保险业发达国家立法中有关规范保险人说明义务的典型做法；第四章,结合保险业发达国家的立法司法现状和我国保险业经营实际,对完善我国保险法相关保险人说明义务制度,提出了初步的建议。
[Abstract]:The so-called obligation of the insurer is to provide insurance advice to the policyholder in accordance with the law by the insurer or his agent in the process of concluding the insurance contract, and to explain clearly the terms and terminology related to the liability of the insurance contract, and so on. To make the policyholder clear its rights and obligations under the insurance contract without confusion, misunderstanding and other misunderstandings of the legal obligations. The system of the insurer's obligation to explain is an important legal system of insurance, which is helpful to balance the advantages of both parties to the insurance contract, to protect the interests of the policy holder and to realize the fairness and justice of the insurance contract. From the international perspective, the insurance industry of the more developed countries have a sound legislative constraints on the relevant insurer's obligation to explain. However, in the legislation of our country, the theoretical research and transaction practice of the insurer's obligation of explanation are not mature and perfect, and the dishonest behavior such as misguided insurance sales is prevalent, which seriously limits the healthy development of the insurance industry. This paper is divided into four parts: the first chapter systematically expounds the causes of the insurer's obligation to explain, and expounds the necessity and rationality of the insurer's obligation of explanation based on the characteristics of insurance transaction and the principle of contract law. The second chapter systematically summarizes the historical evolution of the insurer's obligation of explanation in the relevant legislation of China's insurance law. According to the principle of insurance law and the problems existing in the practice of insurance transaction, this paper analyzes the defects of the current legislation of insurance law on the problem of the insurer's obligation to explain. The third chapter briefly introduces the typical practice of regulating the insurer's obligation of explanation in the legislation of the developed countries of insurance industry in Europe and America. In the fourth chapter, combined with the legislative and judicial situation in the developed countries of insurance industry and the practice of insurance business in China, the author puts forward some preliminary suggestions on perfecting the system of explaining the obligation of insurers in China's insurance law.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：D912.28

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