论合理陈述原则及其对保险人的影响

发布时间：2018-03-31 20:40

本文选题：合理陈述原则　切入点：比例救济原则　出处：《大连海事大学》2015年硕士论文

【摘要】：合理陈述原则是英国《2015年保险法》所引入的一项崭新的研究课题。该原则作为英国“无争议法律委员会立法”典范的一项核心内容,在英国《1906年海上保险法》规定的最大诚信原则的基础上,对被保险人与保险人在保险合同订立阶段的权利和义务进行了再平衡,是对最大诚信原则的批判继承和发展。保险人在新的规则体系内也有了全新的定位,研究保险人在合理陈述原则框架内的行动对于促进行业发展、维系交易安全等问题也可提供有益借鉴。此外,了解英国法最新的研究成果,对于把握英国海上保险市场的未来走向有着非常大的助益。中国与外国主要保险市场的信息对接、业务联系以及合规操作模式等都将因为新的法律规范的出台而产生巨大的变化。笔者首先以合理陈述原则为出发点,对合理陈述原则的概念、合理陈述原则与相关概念的对比、合理陈述原则产生的原因等问题进行阐述；其次,笔者剖析了合理陈述原则的内涵与外延,试图通过两个方面相关法律问题的研究,对具体规则所造成的对保险人订立保险合同可能的影响进行预测。再次,笔者对违反合理陈述原则的法律后果进行了解读,以新法引入的比例救济原则为落脚点,分析该原则对于保险人救济模式选择的影响；最后,笔者将讨论合理陈述原则对于中国保险法的发展有哪些值得借鉴之处。
[Abstract]:The principle of reasonable statement is a new research subject introduced in the Insurance Act of 2015. This principle is a core content of the model of "legislation of the undisputed Law Commission" in the United Kingdom. On the basis of the principle of maximum good faith stipulated in the British Maritime Insurance Law of 1906, the rights and obligations of the insured and the insurer in the stage of the conclusion of the insurance contract are rebalanced. The insurer also has a new position in the new rule system. The study of the insurer's actions within the framework of the principle of rational statement will promote the development of the industry. In addition, understanding the latest research results of British law is of great help in understanding the future direction of the British marine insurance market. The business relationship and compliance mode will change greatly because of the introduction of new legal norms. Firstly, the author takes the principle of reasonable statement as the starting point, compares the concept of the principle of reasonable statement, the principle of reasonable statement and the related concepts. Secondly, the author analyzes the connotation and extension of the principle of reasonable statement, and attempts to study the relevant legal issues in two aspects. Thirdly, the author interprets the legal consequences of violating the principle of reasonable statement and takes the principle of proportional relief introduced by the new law as the foothold. This paper analyzes the influence of the principle on the choice of the insurer's relief mode. Finally, the author will discuss what the reasonable statement principle can be used for reference in the development of China's insurance law.
【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】：D912.28

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