海上保险告知义务主体研究

发布时间：2018-01-20 02:09

本文关键词： 告知义务主体被保险人投保人保险经纪人　出处：《大连海事大学》2015年硕士论文　论文类型：学位论文

【摘要】：本文以《海商法》与《保险法》中告知义务主体之规范差异为切入点,力求通过解释论的方法对我国法下的海上保险告知义务主体作出贯穿式的梳理和分析,从而达到弥合特别法与一般法衔接不畅之目的。在此基础之上,立足对海上保险告知义务主体范围新的界分,通过立法论的方法对海上保险告知义务主体的完善提出新的建议。引言部分概述了本文的选题背景以及研究方法。第一章探讨海上保险告知义务主体规范差异的理论成因。首先以两法的文本差异为切入,从立法技术的层面比较两法的差异对告知义务主体造成的影响；其次,以两法的法律渊源为重点,从比较分析的角度探究中英告知义务主体构建的制度背景差异。第二章明确被保险人与投保人作为告知义务主体的法律地位及法理基础。首先,通过对我国保险主体模式的研究,得出我国所采的“三分法”模式不仅引发被保险人“合同当事人”之争,亦影响告知义务履行主体之确定；其次,通过当下理论的梳理以及实践做法的辨析,得出被保险人宜定义为合同当事人并纳入告知义务主体。第三章阐明保险经纪人在我国法下之法律地位并对其作为告知义务主体之适格性作出分析。首先在比较法视野之下探明中英保险经纪制度各自的操作模式以及发展现状；其次,以此为基础,对我国海上保险经纪人的法律地位进行辨析定义从而论证其作为独立告知义务人之适格性。第四章通过对《北欧海上保险计划》以及《2015年英国保险法》的研究和借鉴,对我国海上保险告知义务主体的构建提出若干建议：首先,对于我国当下的单一主体告知模式,可借鉴《北欧海上保险计划》多元化模式进行完善；其次,借鉴《2015英国保险法》,明确我国被保险人以及投保人告知义务内容所涉相关主体,并对保险经纪人的独立告知义务模式予以确定。
[Abstract]:Based on the normative differences between the maritime law and the insurance law, this paper tries to analyze the subject of the disclosure obligation of marine insurance under the law of our country through the method of explanation theory. In order to achieve the purpose of bridging the special law and general law, on this basis, based on the marine insurance obligations to inform the main scope of a new boundary. A new suggestion is put forward to improve the subject of the obligation to inform in marine insurance through the method of legislation. The introduction summarizes the background and research methods of this thesis. Chapter 1 discusses the differences in the norms of the subject of the obligation of disclosure in marine insurance. Theoretical causes. First of all, the text difference between the two methods as the starting point. Comparing the difference between the two laws on the subject of informing obligation from the aspect of legislative technology; Secondly, focus on the legal origin of the two laws. From the perspective of comparative analysis, this paper explores the differences in the institutional background of the construction of the subject of the obligation of disclosure between China and the United Kingdom. The second chapter clarifies the legal status and legal basis of the insured and the insured as the subject of the obligation to inform. First of all. Through the study of the insurance subject model in our country, it is concluded that the "three-point law" mode adopted in our country not only leads to the contention of the insured "parties to the contract", but also affects the determination of the subject of the performance of the obligation to inform. Secondly, through the current theory of combing and practice of discrimination. It is concluded that the insured should be defined as the party to the contract and brought into the subject of obligation of notification. Chapter three clarifies the legal status of the insurance broker under the law of our country and analyzes its suitability as the subject of the obligation of notification. From the perspective of France, the author tries to find out the operation mode and the present situation of the insurance brokerage system in China and the United Kingdom. Secondly, based on this. The definition of the legal status of China's marine insurance broker is analyzed to demonstrate its suitability as an independent notifier. Chapter 4th adopts the Nordic Marine Insurance Scheme and the British Insurance Act of 2015. Study and use for reference. This paper puts forward some suggestions on the construction of the subject of the obligation to inform marine insurance in China: firstly, we can use the "Nordic Marine Insurance Plan" for reference to perfect the mode of informing the single subject in our country at present; Secondly, referring to the British Insurance Law of 2015, this paper clarifies the relevant subjects involved in the content of the insurant's and the insured's obligation to inform, and determines the mode of the insurance broker's independent informing obligation.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.284

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