以形成权限制法理研究不可抗辩条款

发布时间：2018-06-17 08:41

本文选题：不可抗辩条款 + 保险人解除权　；参考：《中国政法大学学报》2015年01期

【摘要】：形成权限制理论围绕着形成权行使的控制,形成了一系列富有内在逻辑的制度,从而对解除权、撤销权等形成权的行使实现法律矫正。本文试图将保险法上的不可抗辩条款,纳入传统大陆法的形成权限制理论进行研究,指出源自英美法的不可抗辩条款,乃对保险人解除权的限制,在制度设计上,应当遵循形成权限制的法理。包括应当以除斥期间为中心限制保险人解除权,忽略知晓、欺诈及保险险种等因素的影响,避免法理认识上的混乱。在确立不可抗辩条款的同时,应当明确无效合同、被保险人生存和未缴保费等事项与不可抗辩条款的适用无关,特别解约权亦并不与不可抗辩条款相冲突。在不可抗辩条款的具体设计上,可根据险种的不同、投保方主观状态的善意、恶意区分,设置不同的除斥期间。
[Abstract]:The theory of formative right restriction revolves around the control of the exercise of formation right, and forms a series of systems with inherent logic, thus realizing the legal correction of the exercise of forming right such as rescission right and revocation right. This paper attempts to bring the non-defensible clause in insurance law into the theory of formative restriction of traditional continental law, and points out that the non-defensible clause derived from British and American law is the restriction of insurer's right of rescission and the design of system. We should follow the legal principle of formative right restriction. It includes limiting the right of rescission of the insurer by taking the period of exclusion as the center, neglecting the influence of factors such as knowledge, fraud and insurance coverage, and avoiding confusion in legal understanding. While establishing the non-defensible clause, it should be clear that the contract is invalid, the existence and unpaid premium of the insured have nothing to do with the application of the non-defensible clause, and the special right of rescission does not conflict with the non-defensible clause. In the specific design of the non-defensible clause, according to the different types of insurance, the insurer's subjective state of goodwill, malicious distinction, set different deprecation period.
【作者单位】：中国政法大学民商经济法学院;
【分类号】：D922.284;D913

【相似文献】