商业性强制保险制度的合宪性分析

发布时间：2018-03-29 06:08

  本文选题：商业性强制保险制度　切入点：合宪性审查　出处：《法学家》2017年02期

【摘要】：商业性强制保险制度落入宪法财产权和契约自由的保护范围,并因其强制性与所附随的处罚措施,构成了对基本权利的限制。商业性强制保险制度以风险分担为主要目标,具有平衡公共利益的功能,契合了宪法中的基本国策条款。就形式审查而言,将商业性强制保险的设定权保留在法律和行政法规的位阶之上具有合理性,使其可以充分考虑全国性重要公共利益的实现。从实质审查而言,商业性强制保险克服了"保险市场失灵问题",且在实现该目标时选择对于公民基本权利限制最小的方法,符合比例原则的要求。因此,商业性强制保险制度具有合宪性,但这种合宪性背后的逻辑链条非常脆弱,因而需要对其进行合宪性控制。
[Abstract]:The commercial compulsory insurance system falls into the scope of the protection of the constitutional property rights and the freedom of contract, and because of its mandatory and accompanying punishment measures, it constitutes a restriction on the basic rights. It has the function of balancing the public interest and accords with the basic state policy clauses in the Constitution. In terms of formal review, it is reasonable to reserve the right to establish commercial compulsory insurance above the rank of laws and administrative regulations. To enable it to take full account of the realization of the important national public interest. In terms of substantive examination, commercial compulsory insurance overcomes the "failure of the insurance market" and, in achieving this objective, chooses the method with the least restriction on the basic rights of citizens, Therefore, the commercial compulsory insurance system has constitutionality, but the logical chain behind this kind of constitutionality is very weak, so it needs to be controlled by constitutionality.
【作者单位】： 中国政法大学人权研究院;
【分类号】：D921;D922.284
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本文编号：1679867