论投资型保险在契约法上的定位

发布时间：2018-04-01 08:01

本文选题：保险法　切入点：投资型保险　出处：《保险研究》2017年09期

【摘要】：投资型保险作为新型保险产品,兼具保障与投资的双重属性,在迅速发展的同时也因未在契约法的框架进行系统分析,而在法律适用上不够明确,故常引发纠纷。本文从契约法的角度进行观察,投资型保险契约依其功能,可界分为保险部分与投资部分。投资型保险有着鲜明的特点,且其投资部分具有信托属性,进而导致保险人的说明义务有所不同。就保险部分与投资部分的关系,两者在形式上统一并在实质上具有依存关系,投资型保险应认定为混合契约,但仍面临着因投资部分的特性而带来的法律适用难题,故应向典型契约转型。在投资型保险应定位为保险抑或证券的争议上,结合投资型保险的特质并考虑我国现实情况,应界定为保险契约的特殊形式,并对保险契约法作相应调整。
[Abstract]:As a new type of insurance product, investment-type insurance has the dual attributes of protection and investment. It has not been systematically analyzed in the framework of contract law while developing rapidly, but the application of the law is not clear enough. The investment insurance contract can be divided into insurance part and investment part according to its function. Investment insurance has distinct characteristics and its investment part has trust property. As to the relationship between the insurance part and the investment part, they are unified in form and dependent on each other in essence, so the investment-type insurance should be regarded as a mixed contract. However, it is still faced with the difficulty of applying the law due to the characteristics of the part of investment, so it should be transformed into a typical contract. In the dispute of whether the investment insurance should be defined as insurance or securities, considering the characteristics of investment insurance and considering the reality of our country, It should be defined as the special form of insurance contract, and the law of insurance contract should be adjusted accordingly.
【作者单位】：中南财经政法大学法学院;
【基金】：2015年度中南财经政法大学研究生教育创新计划“博士研究生重点科研创新项目”:投资型保险契约保险人说明义务之研究(项目编号:2015BZ0601)阶段性研究成果;本文获“2014年中国保险法年会一等奖”
【分类号】：D922.284

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