监护人责任保险研究

发布时间：2018-04-08 18:34

本文选题：监护人责任　切入点：责任保险　出处：《兰州大学》2017年硕士论文

【摘要】：监护人责任保险指的是监护人由于被监护人(未成年人和精神病人)的侵权行为造成第三人人身伤亡或财产损失应承担的损失赔偿责任,监护人依据保险合同的约定向保险人交纳保费,当发生侵权责任后,由保险人依据保单承担损失赔偿责任的一种制度。监护人责任保险作为保险产品的一种,拥有保险产品所具有的一般特性,比如转移分散风险负担,减轻投保人经济压力;同时,它又具有自身独立的特性,即它是建立在监护人与被监护人(未成年人和精神病人)之间特定的监护关系之上的。由于我国的监护人责任保险起步晚,发展程度有限,所以现阶段我国的监护人责任保险还存在很多不足之处,需要不断改进和完善。本文运用实证分析法、比较分析法等研究方法,从如下几部分对我国监护人责任保险制度进行法律分析:引言部分用两个案例引出监护人责任保险,为后文的研究做铺垫。第一部分介绍监护人责任保险的概念、存在必要性和发展现状。监护人责任保险是众多保险产品中的一种,其特殊之处在于以监护制度为基础。监护人责任保险具有督促监护人尽到善良监护人的义务;平衡监护人、被监护人和保险人各方的权义;推动我国监护人责任制度的发展与完善等三方面的功能。第二部分分析了我国监护人责任保险存在的问题。该部分首先介绍了监护人责任保险普及率不高的现状和原因;然后指出了监护人责任保险与侵权法基本功能的关系,并展开了分析;最后,指出我国大多数保险公司不承保精神病人侵权责任的现状,并分析了原因。第三部分提出完善我国监护人责任保险的相关法律建议。这些措施的提出是以监护人责任保险存在的问题为出发点的,主要从三方面进行完善:加大对监护人责任保险市场的开发力度;完善监护人责任保险与侵权责任的制度功能衔接;实行精神病人侵权强制责任保险制度。结论部分概述了文章主要内容,阐述了监护人责任保险的意义并就其发展进行展望。
[Abstract]:Guardian liability insurance refers to the liability of a guardian for compensation for loss of life or property of a third person due to the tort of the guardian (minor and mental patient),The guardian pays the premium to the insurer according to the agreement of the insurance contract.As one of the insurance products, guardian liability insurance has the general characteristics of the insurance products, such as shifting the risk burden, reducing the financial pressure of the policy holder, at the same time, it has its own independent characteristics.That is, it is based on a specific guardianship relationship between the guardian and the ward (minor and mental patient).Because of the late start and limited development of guardian liability insurance in our country, there are still many deficiencies in the current guardian liability insurance in our country, which need to be improved and perfected constantly.This article uses the empirical analysis, comparative analysis and other research methods, from the following parts of the legal analysis of guardian liability insurance system: the introduction of two cases to lead to guardian liability insurance, for the following research.The first part introduces the concept, necessity and development of guardian liability insurance.Guardian liability insurance is one of many insurance products, which is based on guardianship system.The guardian liability insurance has the functions of urging the guardian to fulfill the duty of kind-hearted guardian; balancing the rights and interests of the guardian, the guardian and the insurer; and promoting the development and perfection of the guardian responsibility system in our country.The second part analyzes the problems of guardian liability insurance in China.This part first introduces the current situation and causes of the low prevalence rate of guardian liability insurance, and then points out the relationship between guardian liability insurance and the basic functions of tort law, and analyzes the relationship between guardian liability insurance and the basic functions of tort law.It points out that most insurance companies in China do not underwrite the tort liability of mental patients, and analyzes the reasons.The third part puts forward the relevant legal suggestions to perfect the guardian liability insurance in our country.These measures are put forward on the basis of the problems existing in guardian liability insurance, which are mainly improved from three aspects: strengthening the development of guardian liability insurance market;Perfecting the system function of guardian liability insurance and tort liability, and implementing compulsory liability insurance system for mental patients.The conclusion part summarizes the main contents of the article, expounds the significance of guardian liability insurance and looks forward to its development.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923

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