我国责任保险法制之审思与前瞻——基于国家治理现代化之视角

发布时间：2018-01-22 09:54

本文关键词： 责任保险免责请求权防御请求权抗辩义务分离原则　出处：《财会月刊》2017年33期 　论文类型：期刊论文

【摘要】：责任保险具有化解矛盾纠纷的功能,是实现国家治理现代化不可或缺的重要工具。遗憾的是,我国责任保险法制的落后阻滞了责任保险服务国家治理现代化的需求,修正责任保险仍然是我国《保险法》未来需考虑的重要内容。依据我国国情,借鉴国外责任保险的先进立法经验,责任保险的修正应按以下思路进行:责任保险应独立于"财产保险合同",采用"人身保险合同"、"财产保险合同"和"责任保险"之"三分法";责任保险的权义结构,应坚持"免责请求权—保险金给付义务"和"防御请求权—抗辩义务"之"二元论";在理赔程序上,责任保险应突破"分离原则",使保险人参与责任关系。
[Abstract]:Liability insurance has the function of resolving contradictions and disputes, and it is an indispensable tool to realize the modernization of national governance. The backwardness of China's liability insurance legal system has hindered the demand of the modernization of the management of the liability insurance service, and the revision of the liability insurance is still an important content to be considered in the future of our country's Insurance Law, according to the national conditions of our country. Drawing lessons from the advanced legislative experience of foreign liability insurance, the amendment of liability insurance should be carried out according to the following train of thought: liability insurance should be independent of "property insurance contract" and adopt "personal insurance contract". "property insurance contract" and "liability insurance" of the "three-way"; The right and meaning structure of liability insurance should insist on the dualism of "exemption claim right-insurance gold payment obligation" and "defense claim right-defense obligation". In the procedure of claim settlement, the liability insurance should break through the principle of separation and enable the insurer to participate in the liability relationship.
【作者单位】：中国石油大学(华东)文学院;
【基金】：教育部人文社会科学研究青年基金项目“责任保险法之现代转型及其制度重构”(项目编号:17YJC820033) 山东高校人文社科研究计划项目“保险法上损失补偿原则及其当代发展研究”(项目编号:J16WB04)
【分类号】：D922.284
【正文快照】： 一、问题的提出保险业已发展为服务国家治理能力现代化的重要工具。2014年《国务院关于加快发展现代保险服务业的若干意见》(国发[2014]29号)第8条明确指出:“发挥责任保险化解矛盾纠纷的功能作用。”可见我国政府已经将责任保险的发展问题提升到国家治理的战略高度,这无疑为

【相似文献】