论保险利益原则
发布时间：2018-10-29 14:32
【摘要】：在保险法的诸多概念中,保险利益原则是其根本所在,与此同时,很多国家将其作为保险法中的根本原则和衡量手段,其具有消除赌博行为、防止道德风险、限制赔偿额度等重要功能,对指导实践等方面意义重大。保险利益原则是订立保险合同的前提,也是其存续下去的基础。2009年,我国对旧《保险法》进行了修改,其中对保险利益问题做出了最新的修订,用来在现实生活中有效地指导保险实践,并取得了非常显著的成效,使保险市场的发展走上了正确的道路。但是另一方面,我们发现新《保险法》中仍然有少数问题突显出来。本文指出其中的缺陷及其修改建议,创新性提出了虚拟财产保险利益的立法研究。本文分为四个部分,第一部分对保险利益问题和相关概念做了简要的叙述。研究保险利益的概念,并介绍了保险利益的历史演进,通过比较分析得出应更规范保险利益的内涵及外延。第二部分是针对于英美法系和大陆法系保险利益的域外考察。通过对国内外有关保险利益原则问题的立法现状进行系统分析和对比研究,找出各国（地区）在立法实践中需要反思的内容。第三部分是针对目前我国《保险法》领域内关于保险利益的完善与不足,以保险利益的界定、财产保险利益与人身保险利益三个方面进行研究。第四部分是对我国保险利益在适用方面的分析和总结,在立法层面提出保险利益原则创新性改进建议。并提出虚拟财产等无形财产的保险利益理论的创新性应用,从而使保险利益原则更有利于《保险法》的实施与完善。
[Abstract]:In many concepts of insurance law, the principle of insurance benefit is the fundamental, at the same time, many countries regard it as the fundamental principle and measure means of insurance law, which has the function of eliminating gambling behavior and preventing moral hazard. Limiting the amount of compensation and other important functions, to guide practice and other aspects of great significance. The principle of insurance interests is the prerequisite for concluding insurance contracts and the basis for their survival. In 2009, China amended the old Insurance Law, in which the issue of insurance interests was updated. It is used to guide the practice of insurance effectively in real life, and has achieved very remarkable results, which makes the development of insurance market go on the right path. But on the other hand, we find that there are still a few problems highlighted in the new Insurance Law. This paper points out the defects and some suggestions, and innovatively puts forward the legislative research on the benefit of fictitious property insurance. This paper is divided into four parts, the first part of the insurance interest issues and related concepts made a brief description. This paper studies the concept of insurance interest, introduces the historical evolution of insurance interest, and draws a conclusion that the connotation and extension of insurance interest should be more standardized through comparative analysis. The second part is aimed at the British-American law system and the civil law system insurance interest outside the investigation. Through the systematic analysis and comparative study on the legislation status quo of the principle of insurance interests at home and abroad, the author finds out the contents that need to be reconsidered in the legislative practice of various countries (regions). The third part focuses on the perfection and deficiency of insurance interests in the field of Insurance Law in China, and studies on the definition of insurance interests, property insurance interests and personal insurance interests. The fourth part is the analysis and summary of the application of insurance interests in our country, and puts forward some innovative suggestions on the principle of insurance interests at the legislative level. It also puts forward the innovative application of the theory of insurance interest of intangible property such as virtual property so that the principle of insurance interests is more favorable to the implementation and perfection of the Insurance Law.
【学位授予单位】：长春工业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.284
本文编号：2297968
[Abstract]:In many concepts of insurance law, the principle of insurance benefit is the fundamental, at the same time, many countries regard it as the fundamental principle and measure means of insurance law, which has the function of eliminating gambling behavior and preventing moral hazard. Limiting the amount of compensation and other important functions, to guide practice and other aspects of great significance. The principle of insurance interests is the prerequisite for concluding insurance contracts and the basis for their survival. In 2009, China amended the old Insurance Law, in which the issue of insurance interests was updated. It is used to guide the practice of insurance effectively in real life, and has achieved very remarkable results, which makes the development of insurance market go on the right path. But on the other hand, we find that there are still a few problems highlighted in the new Insurance Law. This paper points out the defects and some suggestions, and innovatively puts forward the legislative research on the benefit of fictitious property insurance. This paper is divided into four parts, the first part of the insurance interest issues and related concepts made a brief description. This paper studies the concept of insurance interest, introduces the historical evolution of insurance interest, and draws a conclusion that the connotation and extension of insurance interest should be more standardized through comparative analysis. The second part is aimed at the British-American law system and the civil law system insurance interest outside the investigation. Through the systematic analysis and comparative study on the legislation status quo of the principle of insurance interests at home and abroad, the author finds out the contents that need to be reconsidered in the legislative practice of various countries (regions). The third part focuses on the perfection and deficiency of insurance interests in the field of Insurance Law in China, and studies on the definition of insurance interests, property insurance interests and personal insurance interests. The fourth part is the analysis and summary of the application of insurance interests in our country, and puts forward some innovative suggestions on the principle of insurance interests at the legislative level. It also puts forward the innovative application of the theory of insurance interest of intangible property such as virtual property so that the principle of insurance interests is more favorable to the implementation and perfection of the Insurance Law.
【学位授予单位】：长春工业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.284
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