我国沿海内河船舶保险法律问题研究

发布时间：2018-05-06 01:12

本文选题：沿海内河船舶保险条款 + 保险价值　；参考：《大连海事大学》2014年硕士论文

【摘要】：我国沿海内河航运业正处于发展时期,然而在沿海内河船舶保险实践中存在很多法律争议,在一定程度上影响了我国沿海内河船舶保险市场的有序健康发展,比如沿海内河船舶中保险价值问题；保险人能否以船舶不适航为由拒赔问题；共同海损、救助及施救费用应不应该一并算入保险赔偿限额中等等。然而目前国内对上述问题的论述较少。本文结合我国《海商法》、《保险法》等法律规定以及中国人民银行制定的《沿海内河船舶保险条款》的相关规定,以上述三个方面的法律问题为主要研究对象,系统阐析我国沿海内河船舶保险中存在的法律问题,以期对我国的沿海内河船舶保险提供借鉴。本文除去引言和结论,可分成四部分。第一部分为我国沿海内河船舶保险概述。该部分主要介绍沿海内河船舶保险合同的概念、特点及它的法律适用,并介绍了《沿海内河船舶保险条款》的由来、法律效力和落后性,在此基础上提出当前存在的几个比较大的法律争议。第二部分为沿海内河船舶保险中保险价值问题。本部分以案例为切入点分析了沿海内河船舶保险中保险标的的保险价值认定以及保险价值和实际价值的相互关系,以及在实践中如何处理保险价值超过实际价值的问题。第三部分为沿海内河船舶保险中船舶不适航除外责任问题。本部分首先介绍了船舶适航的概念,并介绍了各国法律对船舶适航的法律规定；其次通过我国海商法和《沿海内河船舶保险条款》的比较,深入剖析了我国沿海内河船舶保险条款中船舶不适航除外责任的不合理问题；再次通过对《沿海内河船舶保险条款解释》中船舶不适航除外责任规定的分析,明确了其中的不合理内容,并在此基础上提出完善建议。第四部分为沿海内河船舶保险中不同性质费用的赔偿问题,本部分针对我国《沿海内河船舶保险条款》中将三种费用一并算入赔偿限额的不合理规定,通过分析三种费用的不同性质,并结合我国《海商法》的规定,认为在《沿海内河船舶保险条款中》应根据具体的赔付情形、赔付标准、赔付依据进行区分赔付,建立有效的赔付机制。
[Abstract]:China's coastal inland shipping industry is in a period of development. However, there are many legal disputes in the practice of coastal inland shipping insurance, which to some extent affect the orderly and healthy development of the coastal inland shipping insurance market in China. For example, the problem of the insurance value in the coastal inland river ships; whether the insurer can refuse to compensate for the unseaworthiness of the ship; whether the general average, rescue and rescue expenses should be included in the limit of insurance compensation and so on. However, at present, the domestic discussion of the above issues is less. Combined with the relevant provisions of China's Maritime Law and Insurance Law, and the relevant provisions of the "Coastal River Shipping Insurance Clause" formulated by the people's Bank of China, the above three legal issues are taken as the main objects of study in this paper. This paper systematically analyzes the legal problems existing in the marine insurance of coastal inland rivers in China, in order to provide reference for the insurance of coastal inland waterways in China. Apart from the introduction and conclusion, this paper can be divided into four parts. The first part is an overview of China's coastal inland river ship insurance. This part mainly introduces the concept, characteristics and legal application of the coastal inland river ship insurance contract, and introduces the origin, legal effect and backwardness of "the coastal inland river ship insurance clause". On this basis, several existing legal disputes are put forward. The second part is about the value of insurance in the marine insurance of coastal inland rivers. This part takes the case as the breakthrough point to analyze the insurance value of the insured subject matter in the coastal inland river ship insurance, the relationship between the insurance value and the actual value, and how to deal with the problem that the insurance value exceeds the actual value in practice. The third part is the exception of ship unseaworthiness in coastal river vessel insurance. This part first introduces the concept of ship seaworthiness, and introduces the legal provisions of various countries on ship seaworthiness. Secondly, through the comparison between China's maritime law and the "Coastal Inland River Shipping Insurance Clause", This paper deeply analyzes the unreasonable problem of ship unseaworthiness exception liability in China's coastal inland waterway ship insurance clause, and then analyzes the ship unseaworthiness exception liability provision in "interpretation of coastal inland river ship insurance clause". The unreasonable content is clarified, and on this basis, some suggestions are put forward. The fourth part is the compensation problem of the different nature expense in the coastal inland river ship insurance. This part is aimed at the unreasonable stipulation that the three kinds of expenses are taken into account as the compensation limit in our country "the coastal inland river ship insurance clause". By analyzing the different properties of the three kinds of fees and combining the provisions of China's Maritime Law, it is considered that in the "Coastal River Shipping Insurance Clause", it should be based on the specific conditions of compensation, the standard of compensation, and the basis of compensation. Establish an effective compensation mechanism.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.294

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