保险业务纠纷裁判标准研究

发布时间：2018-03-08 11:19

本文选题：保险法　切入点：基本义务　出处：《中国政法大学》2008年硕士论文　论文类型：学位论文

【摘要】： 在我国商业保险市场化全面推进的同时,社会公众所面临的无可预知的各类风险也日益增加,人们期望通过参保分散、化解风险的消费需求正在全面提升,从我国保险业实际经营状况和法律环境来考察,各类社会保险产品的消费推广与投保人预期的利益冲突和矛盾日益突出,经人民法院受理的各类保险纠纷案件日渐增多,此间纠纷争讼即是这一现实状态的具体体现。本文选取了在保险业务中义务主体的先合同和合同后相关义务履行形态,明确指出各类纠纷存在的可能性和现实争点,遵循以保险法律规范为基础但却不唯规范的原则,分析评价了相关学说理论,并从体现法外均衡的普遍价值诉求出发,逐一阐述了基本义务履行纠纷的认定标准和责任标准,以期为确立保险业务纠纷的司法裁判标准提供某种思路,进而有效衡平保险纠纷双方的利益冲突,实现保险法价值诉求和社会效果的最佳均衡。论文分为引言、正文、结语三部分,正文约3.5万字,论题内容从以下五个方面展开: 第一部分是对保险业务纠纷裁判标准问题的概述。主要分析了裁判标准的内涵与特点,界分了本论题的内容特指,总结归纳出了保险业务中的五类常见纠纷,并对确立保险业务纠纷裁判标准及法理问题作了简要评析。第二部分论述了如实告知义务纠纷的认定标准。首先通过相关案件列举和纠纷诉因的分析,提出了我国现行法律的不足,并对相关立法学说和理论进行了评析,在明确告知义务法律性质及保险主体双方权利义务关系的基础上,确立了如实告知义务纠纷的认定标准。第三部分论述了特别说明义务的认定标准。首先分析了特别说明义务纠纷现状和主要争点,评析了各国立法和理论学说,论述了义务履行的主要内容,进而结合此义务的法理属性和价值判断预期,得出了特别说明义务纠纷的认定标准。第四部分论述了标的保护义务的责任标准。首先论述了纠纷案件及其法理思考,总结了我国法律的相关规定,以相关立法及学说作为理论支撑,明确了义务人须承担的三种义务类型,同时确认了义务履行的法律责任标准。第五部分论述了合理施救义务的责任标准。首先对义务纠纷案例及法理问题进行了分析,列述了合理施救义务的历史成因,提出了合理施救与费用偿还的内生关系和法理机制的稳固性问题,认定了施救行为与措施的原则性标准,并基于义务人是否具有法定归责性确立了合理施救义务的责任标准。最后结论部分,明确了保险业务纠纷裁判标准的确立与统一,应是体现经济法与民商法双重法律规范的裁判统一,也是实现司法公正、公平的基本价值和目标。
[Abstract]:With the marketization of commercial insurance in our country advancing in an all-round way, the unpredictable risks faced by the public are also increasing day by day. People expect that the consumption demand to resolve the risks is rising in an all-round way through the spread of insurance. From the point of view of the actual operating situation and legal environment of China's insurance industry, the consumption and promotion of various social insurance products and the anticipated conflicts of interest and contradictions among policy holders are becoming increasingly prominent, and the number of insurance disputes cases accepted by the people's courts is increasing day by day. The dispute and litigation is the concrete embodiment of this realistic state. This article selects the first contract and the related obligation performance form of the subject of obligation in the insurance business, points out the possibility and the realistic dispute point of all kinds of disputes, and follows the principle that the insurance law norm is based on but not the norm only. Based on the analysis and evaluation of the relevant theories, and from the universal value demands that reflect the extra-legal balance, this paper expounds the standards of the recognition and responsibility of the basic obligation to fulfill the dispute one by one. The aim is to provide some ideas for establishing the standard of judicial adjudication of insurance disputes, balance the conflicts of interests between the two sides of insurance disputes effectively, and realize the best balance between the value demands of insurance law and the social effects. The thesis is divided into three parts: introduction, text and conclusion, and the text is about 35,000 words. The content of the thesis is carried out from the following five aspects:. The first part is an overview of the standard of adjudication of insurance disputes, mainly analyzes the connotation and characteristics of the standard, points out the content of this topic, and summarizes five kinds of common disputes in insurance business. And the establishment of insurance business dispute adjudication standard and legal issues made a brief assessment. The second part discusses the identification standard of dissension of truthful disclosure obligation. Firstly, through the enumeration of relevant cases and the analysis of the causes of the dispute, the author puts forward the deficiency of the current law of our country, and evaluates the relevant legislation theory and theory. On the basis of the clear legal nature of the obligation of notification and the relationship between the rights and obligations of the two parties, the standard of confirming the dispute of the obligation of truthful notification is established. The third part discusses the identification standard of special explanation obligation. Firstly, it analyzes the status quo and main points of contention, analyzes the legislation and theory of various countries, and discusses the main contents of the obligation implementation. Then, combining the legal attribute of this obligation and the expectation of value judgment, the standard of identifying the dispute of special explanation obligation is obtained. Part 4th discusses the standard of the duty of protection. Firstly, it discusses the dispute cases and their legal considerations, summarizes the relevant provisions of Chinese law, and takes the relevant legislation and doctrine as the theoretical support. It clarifies three kinds of obligations which obligor must undertake, and confirms the legal liability standard of obligation performance at the same time. Part 5th discusses the standard of reasonable obligation of rescue. Firstly, it analyzes the case of obligation dispute and legal theory, and describes the historical cause of the obligation of reasonable rescue. This paper puts forward the endogenous relationship between reasonable rescue and expense reimbursement and the stability of legal mechanism, determines the principle standard of rescue behavior and measures, and establishes the reasonable rescue duty standard based on whether the obligor has legal imputation. In the last part, it is clear that the establishment and unification of the judging standard of insurance disputes should be the unification of the double legal norms of economic law and civil and commercial law, and also the basic value and goal of realizing judicial justice and fairness.
【学位授予单位】：中国政法大学
【学位级别】：硕士
【学位授予年份】：2008
【分类号】：D922.284

【引证文献】