保险利益在我国海上保险中的适用问题

发布时间：2018-05-29 06:47

本文选题：保险利益 + 海上货物运输　；参考：《上海海事大学》2004年硕士论文

【摘要】：保险利益原则经过两百多年的发展，不仅被各国立法确定为保险法的基本原则，而且在保险法中得到了贯彻和彰显，成为了整个保险法的灵魂。在人类越来越寻求安全和保障的今天，保险业更加蓬勃发展，，保险利益原则在新的历史条件下，也有了新的发展。我国《海商法》对保险利益的概念、转让、确定及其对保险合同效力的影响方面，均未做出规定，但《保险法》关于保险利益的规定明显和海上保险中的保险利益原则不符。我国《保险法》在传统上被认为是大陆法的继受，但是《海商法》又深受英美法实证法律价值观的影响，此种特性在《海商法》保险利益原则表现的非常突出。在司法实践中往往导致用大陆法系的概念和术语解解释英美法的现实，使得海上保险在适用保险利益原则时产生诸多法律问题。笔者首先对保险利益的历史沿革、性质和功能进行论述；之后对英美法系与大陆法系有关保险利益规定进行比较；最后对保险利益原则的法理基础进行论述和分析，同时对我国保险利益制度的法理缺陷进行论述。在此章中笔者主要是对保险利益原则的各个方面进行论述，以期对下一章海上保险中保险利益的问题的论述和分析打下坚实的基础。在第二章中笔者主要对保险利益在海上货物运输中的问题、船舶保险利益以及海上再保险中的保险利益等三个问题进行论述。此章中笔者引用了大量国内外的案例，通过对这些案例的分析，对保险利益在以上三个领域所产生的问题进行论述和分析。在大陆法系关于保险利益原则可分为一般性保险利益学说、技术性保险利益学说、经济性保险利益学说。在第三章中笔者从必要性、合理性和可行性三个方面对海上保险中应采用经济利益原则进行论述。最后，笔者对我国海上保险立法中有关保险利益的问题的提出了一些自己的建议和看法，同时提出了一些在我国保险实务中应注意的问题及相关建议。随着人们对保险市场的逐渐认识、人们的保险意识的增强、尤其是随着我国加入世界贸易组织，保险市场的准入已经起步，为了完善我国海上保险中的保险利益原则，使之真正与国际接轨，本文旨在对保险利益在海上保险中适用的若干问题进行较为深入、系统的研究，以期对法律工作者或实务工作者有所帮助。
[Abstract]:After more than two hundred years of development, the principle of insurance interests has not only been established as the basic principle of insurance law by legislation of various countries, but also has been carried out and manifested in the insurance law, and has become the soul of the whole insurance law. Today, when human beings are seeking more and more safety and security, the insurance industry is developing more vigorously, and the principle of insurance interests has also developed under the new historical conditions. The concept, assignment, determination and influence on the validity of insurance contract are not stipulated in the Maritime Law of our country, but the regulation of insurance interest in the Law of Insurance is obviously inconsistent with the principle of insurance interest in marine insurance. China's Insurance Law has traditionally been regarded as a successor to continental law, but the Maritime Law has been deeply influenced by the values of Anglo-American law, which is very prominent in the principle of insurance interests in Maritime Law. In judicial practice, it often leads to the interpretation of Anglo-American law with the concepts and terms of the continental law system, which makes marine insurance have many legal problems when applying the principle of insurable interest. The author first discusses the history, nature and function of insurance interests; then compares the relevant insurance interest provisions between the Anglo-American law system and the continental law system; finally, discusses and analyzes the legal basis of the insurance interest principle. At the same time, the legal defects of insurance interest system in China are discussed. In this chapter, the author mainly discusses all aspects of the principle of insurance interests, in order to lay a solid foundation for the discussion and analysis of the problems of insurance interests in the next chapter. In the second chapter, the author mainly discusses the problems of insurance interests in the carriage of goods by sea, the interests of marine insurance and the interests of insurance in marine reinsurance. In this chapter, the author cited a large number of domestic and foreign cases, through the analysis of these cases, the insurance interests in the above three areas of the problems arising from the discussion and analysis. In continental law system, the principle of insurance interest can be divided into general insurance interest theory, technical insurance interest theory and economic insurance interest theory. In the third chapter, the author discusses the principle of economic interest in marine insurance from three aspects: necessity, rationality and feasibility. Finally, the author puts forward some suggestions and opinions about the insurance interests in the marine insurance legislation of our country. At the same time, the author puts forward some problems that should be paid attention to in the practice of insurance in our country and some related suggestions. With the gradual understanding of the insurance market and the enhancement of people's insurance consciousness, especially with China's entry into the World Trade Organization (WTO), the entry of the insurance market has already started. In order to bring it into line with the international practice, this paper aims to make a deep and systematic study on some problems that the insurance interests can be applied in marine insurance, in order to be helpful to the legal workers or practical workers.
【学位授予单位】：上海海事大学
【学位级别】：硕士
【学位授予年份】：2004
【分类号】：D922.284;D922.294

【引证文献】