人身保险销售误导法律分析

发布时间：2018-01-28 02:50

本文关键词： 人身保险销售误导合理期待原则保险人说明义务　出处：《大连海事大学》2015年硕士论文　论文类型：学位论文

【摘要】：近年来,我国人身保险业处在一个新兴、快速成长的时期,年均保费增长达20%以上,特别是《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)的发布,为人身保险的发展带来了历史机遇。然而,这一时期往往也是问题集中暴露的时期,特别是一些侵害保险消费者合法权益的问题表现得也比较突出,人身保险销售误导频发,群访群诉时有发生,部分地区甚至爆发了较为严重的群体性事件,2013年保监会及各保监局共接收各类涉及保险消费者权益的有效投诉总量为21361件,同比增长32.78%,2014年保监会和各保监局共接收各类涉及保险消费者权益的有效投诉总量为27902件,同比上升30.62%。为有效解决人身保险销售误导纠纷,保护消费者权益,需要进一步厘清涉及人身保险销售误导领域的法律法规适用,完善相关法律法规。本文共分四章,具体内容如下：第一章是人身保险销售误导的主要表现、成因分析及危害；第二章是人身保险销售误导纠纷解决途径、调查和消费者保护的现状；第三章是其他国家对人身保险销售误导的法律规制及启示；第四章是完善法律法规遏制人身保险销售误导行为,通过适当引入“合理期待原则”,细化“保险人说明义务”以及“扩大保险合同的无效解释”和“扩大保险合同的范围”来对人身保险销售误导行为进行法律规制。本文的可能创新之处在于：第一,论文的研究视角具有新意。研究保护保险消费者权益的相关文献不少,但很少将保险消费者精确定位于最需要保护且最弱势的人身保险消费者,同时结合销售误导进行研究文献可谓匮乏。第二,论文初步构建了治理人身保险销售误导的法律构架,治理销售误导是实践性和理论性都很强的命题,本文在阅读现有文献的基础上,分析归纳出在“合理期待原则”可以最先在人身保险纠纷中进行个案运用,反对在财产保险合同中运用,适用对象的细化能完美的体现“合理期待原则”的优点,并规避了其缺点,同时分析出保险合同的销售和持续时间都较长,其合同的内涵和外延都应适度扩展,并创造性的提出通过扩大保险合同无效解释和合同的构成来规制销售误导行为。
[Abstract]:In recent years, China's personal insurance industry is in a new period of rapid growth, with an average annual premium increase of more than 20%, especially the State Council's views on speeding up the development of modern insurance services. [The release of "29" (2014) presents a historic opportunity for the development of life insurance. However, this period is often also a period of concentrated exposure. In particular, some violations of the legitimate rights and interests of insurance consumers are also more prominent, personal insurance sales misguided, group group complaints have occurred from time to time, and some areas even broke out more serious group incidents. In 2013, the Insurance Regulatory Commission and the Bureau of Insurance received a total of 21361 effective complaints involving the rights and interests of insurance consumers, an increase of 32.78% over the same period last year. In 2014, the Insurance Regulatory Commission and the Bureau of Insurance received a total of 27902 effective complaints involving the rights and interests of insurance consumers, an increase of 30.622.In order to effectively resolve the misguided dispute over personal insurance sales. To protect the rights and interests of consumers, it is necessary to further clarify the application of laws and regulations in the field of misleading personal insurance sales, and improve the relevant laws and regulations. This article is divided into four chapters. The specific contents are as follows: the first chapter is the main performance of personal insurance sales misdirection, cause analysis and harm; The second chapter is the personal insurance sales misleading dispute resolution, investigation and consumer protection status; The third chapter is the legal regulation and enlightenment of misleading personal insurance sales in other countries. Chapter 4th is to improve the laws and regulations to curb the misleading behavior of personal insurance sales, through the appropriate introduction of "reasonable expectation principle". In order to regulate the misleading behavior of personal insurance sales, the legal regulation of "the obligation of the insurer to explain", "expand the invalid interpretation of the insurance contract" and "expand the scope of the insurance contract" is the possible innovation of this paper. Number one. The research perspective of this paper is innovative. There are many related documents to study the protection of the rights and interests of insurance consumers, but few of the insurance consumers are precisely targeted at the most vulnerable and the most vulnerable of the life insurance consumers in need of protection. At the same time combined with sales misleading research literature is scarce. Second, the paper preliminarily constructs a legal framework to deal with personal insurance sales misdirection, governance sales misdirection is a very strong practical and theoretical proposition. On the basis of reading the existing literature, this paper concludes that "reasonable expectation principle" can be first used in personal insurance disputes, against the use in property insurance contracts. The refinement of applicable objects can perfectly reflect the advantages of "reasonable expectation principle" and avoid its shortcomings. At the same time, it analyzes that the sales and duration of insurance contracts are longer, and the connotation and extension of the contracts should be appropriately expanded. And creatively put forward to regulate the misleading behavior of sales by expanding the invalid interpretation of insurance contract and the constitution of the contract.
【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

【相似文献】