论保险监管法律中的“适合度准则”对农业保险的作用

发布时间：2018-02-24 06:42

本文关键词： 农业保险适合度准则产品设计经营策略保险诉求　出处：《暨南学报(哲学社会科学版)》2015年02期 　论文类型：期刊论文

【摘要】：为解决保险交易中的产品不适合参保人(投保人)需求的问题,英美法系创制出"适合度准则"(Suitability Doctrine)。在保险领域而言,"适合度准则"亦即法律制度应当确保消费者通过参保或购买保险得到与自身最具有适合度的保险产品或服务。近年来,"适合度准则"被引入具有大陆法系特征的国家或地区。我国农业保险存在保险产品不适合农民需求,农民参保意愿低的问题,影响农业保险覆盖率的提高。以"适合度准则"的理念完善我国农业保险监管领域的立法、执法与司法,提升农业保险产品设计、经营策略以及保险诉求对于参保人的适合度,有利于解决我国农业保险存在的问题。
[Abstract]:In order to solve the problem that the products in insurance transactions are not suitable for the needs of the insured, In the field of insurance, the "fitness criterion" means that the legal system should ensure that consumers obtain the most suitable insurance products or services through insurance or insurance. In recent years, the suitability criterion has been introduced into countries or regions with the characteristics of continental law system. The problem of low willingness of farmers to participate in insurance affects the improvement of agricultural insurance coverage. With the idea of "suitability criterion", the legislation, law enforcement and administration of justice in the field of agricultural insurance supervision in China are improved, and the design of agricultural insurance products is promoted. The management strategy and the suitable degree of insurance demand for the insured are helpful to solve the existing problems of agricultural insurance in China.
【作者单位】：中山大学法学院;
【基金】：教育部人文社会科学重点研究基地重大项目《香港信息公开制度研究》(批准号:10JJDGJW013)
【分类号】：D922.284

【相似文献】