寿险代理人介入投保人履行如实告知义务的研究

发布时间：2018-03-11 02:01

本文选题：如实告知　切入点：普通理性人　出处：《对外经济贸易大学》2015年硕士论文　论文类型：学位论文

【摘要】：在我国目前的保险营销中,保险代理人销售模式一直被用作一种主要的销售模式,故保险代理人介入到投保人履行如实告知义务过程中而产生的纠纷在各类纠纷中占比很高。当投保人告知了正确信息,但保险代理人填写时出现错误,由谁承担相应的后果,承担多少,《保险法》并未作出相应规定。笔者针对法律实务、产生的原因及怎样尽可能减少有关纠纷争议,给出一些分析与建议。首先本文针对典型的法律实务,提供可参考的判决依据:先是通过两个具体案例进行具体分析,并提出两个观点:投保人向保险代理人如实告知,但在保险代理人代填投保单,并阻碍、诱导,或过失行为下,在未如实告知的投保书上签字,不能认定为故意不履行如实告知义务。但投保人在不履行如实告知义务的投保单上签字的行为,违反了最大诚实信用原则,可减轻保险人的赔偿责任。在按全赔或不赔的模式裁判不能平衡当事人双方利益时,是否可以判决按一定比例赔偿。再采用“普通理性人”的判断标准,来看保险人的询问是否到达了投保人和是否应为一个普通理性人所理解。再按照此标准对几种不同的常见类型分别分析。其次,对于代理人未能使投保人履行如实告知义务的两个主要原因进行分析:一是信息不对称理论,其中包含逆选择及道德风险;二是由于一些投保人的文化水平不高、法律意识相对淡薄,以及代理人自身的职业素养等原因所致。最后,主要从三个方面提出建议对策:试点研发建设投保人记录系统;代理人诚信体系的建设;提高承保精准率。
[Abstract]:In the current insurance marketing in China, the insurance agent sales model has been used as a major sales model. Therefore, the insurance agent is involved in the process of truthfully informing the policyholder, and the disputes arising from the process of truthfully informing the insured account for a high proportion of all kinds of disputes. When the policyholder informs the correct information, but when the insurance agent fills in the information, there is a mistake, and who will bear the corresponding consequences, The author gives some analysis and suggestions on how much to undertake and how to reduce the disputes as far as possible. First of all, this paper aims at typical legal practice. To provide a basis for reference judgment: first through two specific cases for specific analysis, and put forward two points of view: the applicant informed the insurance agent truthfully, but in the insurance agent on behalf of the insurance policy, and obstructs, induces, or negligent behavior, The signature of an insurance document which is not truthfully informed cannot be regarded as a deliberate failure to perform the obligation to inform truthfully. However, the applicant's act of signing an insurance policy that fails to perform the obligation of informing truthfully violates the principle of maximum good faith, It can lighten the liability of the insurer. When the judge cannot balance the interests of both parties according to the model of full or no compensation, can he decide whether to compensate by a certain proportion, and then adopt the criterion of "ordinary rational person"? To see if the insurer's inquiry has reached the insured and whether it should be understood by an ordinary rational person. Then, according to this standard, several different common types are analyzed separately. Secondly, This paper analyzes the two main reasons for the agent's failure to make the policyholder fulfill the obligation of informing truthfully: one is the theory of asymmetric information, which contains adverse selection and moral hazard, the other is due to the low level of education of some policyholders. The legal consciousness is relatively weak, as well as the agent's own professional literacy and other reasons. Finally, the author puts forward some suggestions from three aspects: the pilot research and development of policy holder record system, the construction of the agent integrity system, and the improvement of underwriting accuracy rate.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.284

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