保险免责条款的法律规制研究

发布时间：2018-11-10 13:49

【摘要】：近几年伴随保险业的迅猛发展,保险案件尤其是以保险免责条款为争议焦点的案件数量呈现连续增长态势。目前我国立法上缺乏专门规制保险免责条款的法律法规,导致司法审判中自由裁量权的频繁运用,致使屡屡发生"同案不同判"的情形。由此,分析和探索了保险免责条款的正当性以及域外的立法和实践,提出转变观念,树立正确的保险理念;完善立法,从源头上对保险免责条款加以规制;加强司法规制,从各个环节确保当事人的合法权益;强化行政规制,实现保险合同主体的双赢;加强行业自律,防止保险人滥用其独占地位等建议,旨在构建保险合同利益平衡机制。
[Abstract]:In recent years, with the rapid development of the insurance industry, the number of insurance cases, especially those with insurance exemption clauses as the focus of dispute, has been continuously increasing. At present, there is a lack of laws and regulations specifically regulating the exemption clauses of insurance in our country's legislation, which leads to the frequent application of discretion in the judicial trial and the frequent occurrence of "different judgments in the same case". Therefore, this paper analyzes and explores the legitimacy of the insurance exemption clause and its extraterritorial legislation and practice, puts forward the idea of changing the concept, sets up the correct insurance idea, consummates the legislation, and regulates the insurance exemption clause from the source. Strengthen the judicial regulation, ensure the legal rights and interests of the parties in every link, strengthen the administrative regulation, realize the win-win situation of the insurance contract subject; The purpose of this paper is to strengthen industry self-discipline and prevent insurers from abusing their exclusive position in order to construct the mechanism of balancing the interests of insurance contracts.
【作者单位】：中国青年政治学院《中国青年社会科学》编辑部;
【基金】：司法部国家法治与法学理论研究项目“保险合同中免责条款的法律规制研究”(项目编号:15SFB5031) 教育部规划基金项目“资本认缴制及交易安全研究”(项目编号:16YJA820015) 北京市社会科学基金项目“国家治理中法治与德治相结合研究”(项目编号:15FXB027)
【分类号】：D922.284

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