格式合同的经济分析与法律适用范围

发布时间：2018-06-09 05:32

本文选题：格式合同 + 免责条款　；参考：《现代管理科学》2015年09期

【摘要】：保险产品几乎无一例外地采格式合条款形式,由保险人为重复使用而预先拟定,并在订立合同时未与对方协商,投保人仅就核心给付描述条款享有填空权,对于合同中权利义务及风险安排,无磋商余地。格式合同内容控制制度与一般合同条款因内容违法、悖俗违法这类效力审查制度,存在特别法与一般法的关系。格式条款部分无效后,应通过补充解释与任意法规范替代进行效力填补。从解释论出发,结合经济分析,厘清格式合同审查与传统合同条款审查制度的层级,分析其审查范围和标准的特殊性,梳理清晰的格式合同内容控制适用体系。
[Abstract]:Almost without exception, insurance products are in the form of a form and clause, drawn up in advance by the insurer for reuse, and without consultation with the other party at the time of conclusion of the contract. The insured only has the right to fill in the blanks on the core payment description clause. There is no room for negotiation on the rights, obligations and risk arrangements in the contract. There exists the relationship between the special law and the general law because the content of the control system of the format contract and the general contract clause are illegal and contrary to the common law. When the form clause is partially invalid, the effect shall be filled by supplementary interpretation and substitution of arbitrary norms. Based on the explanation theory and the economic analysis, this paper clarifies the levels of the formal contract review and the traditional contract clause review system, analyzes the particularity of the scope and standard of the review, and combs the clear and applicable system of the format contract content control.
【作者单位】：华东政法大学;
【基金】：2014年国家社会科学基金青年项目(项目号:14CFX040) 中国法学会青年自选项目(项目号:CLS(2014)D054) 2013年度教育部人文社会科学研究青年基金(项目号:13YJC820032) 2013年上海市浦江人才(项目号:13PJC043) 上海市教委创新项目一般项目(项目编号:14YS078) 上海高校青年教师培养资助计划阶段性成果(项目号:ZZHZ13011)
【分类号】：D923.6

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