疑义利益解释原则研究

发布时间：2018-05-28 14:47

本文选题：保险合同 + 疑义利益解释原则　；参考：《黑龙江大学》2015年硕士论文

【摘要】：随着保险业的发展,保险纠纷的增多,疑义利益解释原则随之被引入保险法,疑义利益解释原则在保险业有着无法替代的作用,该原则也是保险法中规定的一项极具特色的内容。我国《保险法》第30条对疑义利益解释原则做了明确的规定,但是该原则对解决保险争议的司法实践产生巨大影响的同时,也引发出了一系列的问题。本文正是为了更好的解决这些问题,对疑义利益解释原则进行深入的研究分析,希望能对其在司法实践的合理运用提供一定的帮助。本文由三个方面展开论述。对于第一部分主要是说明疑义利益解释原则的内涵及保险法的引入。对该部分的介绍主要从疑义利益解释原则的确立,历史渊源,发展,以及国外对于该原则的研究展开,同时阐明了保险法对该原则的引入,为下文的论述做铺垫。第二部分主要是对疑义利益解释原则的理论分析。只有了解了该原则产生的理论基础、法理基础及存在价值,才能更好的理解疑义利益解释原则存在的价值本位,才能在实践中更好的进行运用。第三部分主要是对疑义利益解释原则的适用进行论述,首先,确定疑义利益解释原则适用的前提----存在疑义,并对疑义提出界定的意见,其次对疑义利益解释原则的适用合同类型进行分析和划分,具体哪些保险合同能够适用该原则,接着本文对适用疑义利益解释原则需要的其他条件做了限制性规定。以上论述主要是为了对疑义利益解释原则的适用作出限制性条件,以期能够更加严格准确适用。最后,本文论述了在我国法院适用该原则出现的一些问题,并综合上述的限制性条件提出了一些建议。
[Abstract]:With the development of insurance industry and the increase of insurance disputes, the principle of interpretation of doubtful interests is introduced into the insurance law. The principle of interpretation of doubtful interests plays an irreplaceable role in the insurance industry. This principle is also a very characteristic content stipulated in the insurance law. Article 30 of the Insurance Law of our country clearly stipulates the principle of interpretation of doubtful interests, but this principle has a great influence on the judicial practice of settling insurance disputes, at the same time, it also causes a series of problems. In order to solve these problems better, this paper makes a deep research and analysis on the principle of interpretation of doubtful interests, hoping to provide some help for its rational application in judicial practice. This paper is discussed in three aspects. The first part is mainly to explain the connotation of the principle of interpretation of doubtful interests and the introduction of insurance law. The introduction of this part is mainly from the establishment, historical origin and development of the principle of interpretation of doubtful interests, as well as the study of the principle abroad. At the same time, it clarifies the introduction of the principle by insurance law, which lays the groundwork for the discussion below. The second part is the theoretical analysis of the principle of interpretation of doubtful interests. Only by understanding the theoretical basis, the legal basis and the value of existence of the principle, can we better understand the value standard of the existence of the principle of interpretation of doubtful interests, and can it be better applied in practice. The third part mainly discusses the application of the principle of interpretation of doubtful interests. Firstly, it determines the premise of the application of the principle of interpretation of doubtful interests-there are doubts, and puts forward some opinions on the definition of doubt. Secondly, this paper analyzes and classifies the types of contracts applicable to the principle of interpretation of doubtful interests, and specifies which insurance contracts can apply the principle. Then, this paper makes restrictive provisions on the other conditions required for the application of the principle of interpretation of doubtful interests. The purpose of the above discussion is to make restrictive conditions for the application of the principle of interpretation of doubtful interests in order to apply more strictly and accurately. Finally, this paper discusses some problems in the application of the principle in the courts of our country, and puts forward some suggestions in light of the above restrictive conditions.
【学位授予单位】：黑龙江大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.284

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