论沿海内河船舶保险存在的问题与对策

发布时间：2018-06-17 23:02

本文选题：沿海内河船舶保险 + 96条款　；参考：《上海海事大学》2006年硕士论文

【摘要】：要想改变现状，首先必须寻找产生现状的根源，即问题所在，只有充分认识问题才能找到合适的对策，从而改变现状。目前，我国沿海内河航运业正处于大力发展时期，而作为航运业保障的沿海内河船舶保险却因为赔付率居高不下而经营艰难，这种情况不利于国内航运业的发展。而对于沿海内河船舶保险赔付率高的原因及解决方法，目前国内仍没有学术著作对其进行全面论述。针对目前情况，本文以沿海内河船舶保险存在的问题及对策为主线，结合我国《海商法》及中国人民银行制定的《沿海内河船舶保险条款》(以下简称《96条款》及《沿海内河船舶保险条款解释》(以下简称《96条款解释》)，并参照目前沿海内河船舶保险习惯作法，采用比较、归纳的方法，对沿海内河船舶保险存在的问题及对策进行了全面的研究。以期达到抛砖引玉，为我国沿海内河船舶保险的发展贡献微薄之力。本文以沿海内河船舶保险存在的问题与对策为研究对象，主要分析和讨论了以下四个问题：一、沿海内河船舶保险概述。从沿海内河船舶保险主体、保险条款和沿海内河船舶保险现状三方面，对沿海内河船舶保险作简单介绍，明确了目前沿海内河船舶保险存在赔付率居高不下，经营艰难的现状。二、沿海内河船舶保险存在的问题及对策。论述了规范国内船舶保险合同的法律及《96条款》、承保、理赔、保险公估及其他方面存在问题，导致赔付率居高不下，国内船舶保险业经营艰难，并对目前存在的问题提出对策。三、沿海内河船舶保险合同的法律适用。主要对采用《96条款》的海船船舶保险合同和内河船舶保险合同在适用法律方面的不同进行论述，以解决沿海内河船舶保险合同正确适用法律问题。四、《96条款》存在的问题及对策。根据《96条款解释》、保险的习惯作法及司法实践，对《96条款》进行评析，，指出《96条款》存在的问题并提出修改建议，明确了《96条款解释》没经保险人和被保险人约定采用，对被保险人没有约束力。在对《96条款》评析过程中，以案例、专家学者的观点和海上保险习惯做法为依据，对保险人的承保范围、除外责任、保证条款、被保险人的义务等方面进行了详细论述，以使保险人和被保险人在发生保险事故时能正确处理，降低赔付率，促进沿海内河船舶保险的迅速发展，达到双赢的目的。本文根据所讨论的问题，在结构上共分成五章。第一章至第四章主要是对所
[Abstract]:If we want to change the present situation, we must first look for the source of the present situation, that is, the problem. Only by fully understanding the problem can we find the appropriate countermeasures to change the present situation. At present, China's coastal inland river shipping industry is in a period of vigorous development, but the coastal river shipping insurance, as a guarantee of the shipping industry, is difficult to operate because of the high compensation rate, which is not conducive to the development of domestic shipping industry. However, there are still no academic works to discuss the reasons and solutions of the high indemnity rate of coastal inland river ships. In view of the current situation, this paper takes the existing problems and countermeasures of marine insurance in coastal inland rivers as the main line. Combined with the Maritime Law of China and the provisions of Coastal Inland River Shipping Insurance formulated by the people's Bank of China (hereinafter referred to as < 96 clause) and the interpretation of coastal inland river ship insurance clause (hereinafter referred to as < 96 clause interpretation), and referring to the present situation along the river. The usual practice of sea inland river ship insurance, By using the method of comparison and induction, the problems and countermeasures of marine insurance in coastal inland rivers are studied comprehensively. In order to achieve the development of China's coastal inland river shipping insurance contribution meagre contribution. This paper takes the problems and countermeasures of coastal inland river ship insurance as the research object, mainly analyzes and discusses the following four problems: first, the outline of coastal inland river ship insurance. From three aspects of the main body of the coastal inland river ship insurance, the insurance clauses and the present situation of the coastal inland river ship insurance, this paper briefly introduces the coastal inland river ship insurance, and clarifies the present situation of the coastal inland river ship insurance with the high compensation rate and the difficult management. Second, the existing problems and countermeasures of the coastal inland river ship insurance. This paper discusses the problems existing in the law and < 96 clause of the domestic ship insurance contract, including underwriting, claim settlement, insurance evaluation and other aspects, which lead to the high compensation rate and the difficult operation of the domestic ship insurance industry, and puts forward the countermeasures to the existing problems. Third, the law application of the coastal inland river ship insurance contract. This paper mainly discusses the differences in the applicable law between the marine ship insurance contract and the inland ship insurance contract adopted < 96 clause, in order to solve the problem of applying the law correctly to the coastal inland river ship insurance contract. Fourth, < 96 clause > existing problems and countermeasures. According to < 96 clause interpretation >, insurance practice and judicial practice, this paper analyzes < 96 clause >, points out the problems existing in < 96 clause > and puts forward some suggestions for amendment. It is clear that < 96 clause interpretation has not been adopted by the insurer and the insured. It is not binding on the insured. In the course of analyzing < 96 clause, based on the case, the viewpoint of experts and scholars and the usual practice of marine insurance, the paper discusses in detail the insurer's scope of insurance, exclusions, warranty clauses, and the obligations of the insured, etc. So that the insurer and the insured can deal with the insurance accident correctly, reduce the odds of payment, promote the rapid development of the coastal inland river ship insurance, and achieve the goal of win-win. According to the problems discussed, this paper is divided into five chapters. Chapters I to IV are mainly related to
【学位授予单位】：上海海事大学
【学位级别】：硕士
【学位授予年份】：2006
【分类号】：D922.294;D922.284

【引证文献】