论我国保险保证制度的完善

发布时间：2018-01-25 20:29

本文关键词： 诚实信用最大诚信保证制度存在的问题完善建议　出处：《贵州大学》2009年硕士论文　论文类型：学位论文

【摘要】： 保险法中的保证制度是英美法中的一项制度,被认为是保险合同最大诚信原则的重要内容之一。该制度要求被保险人承诺在保险期间内对某种特定事项的作为或不作为,或肯定或否定某些事实特定情况的存在。保证制度最初的目的在于控制危险,因此保险保证制度被认为是保险合同最大诚信原则的重要内容之一,具有重要意义。对于单个保险合同来说,保证可以确保对保险标的良好管理得以贯彻,投保人或被保险人未经保险人同意不得进行某些风险较大的活动,从而降低道德风险,增强被保险人管理保险标的的责任。对于整个保险业来说,如果被保险人不严格遵守保证,就会造成保险人对保险标的的风险估计失实,引起社会保险基金积累不足,导致保险费率的提高,增加其他诚实被保险人的负担,并最终影响保险人的偿付能力,造成整个保险业的不良发展。我国现行《保险法》未规定保证制度,《海商法》第235条以一个条文概括地规定了保证制度。在我国的保险实践中,保证条款的运用也是非常频繁的。然而,因为我国缺乏比较完善和科学的保险保证制度,目前我国保险业务中的道德风险较高。因此,构建我国的保险保证制度仍具有理论和现实的意义。第一部分介绍了诚信原则在保险法中的发展、保险最大诚信原则孕育了保险保证,论证了保证存在的理论基础。第二部分从保险保证的涵义出发,通过对保险保证与其它相关制度的比较,界定了保险保证的具有的特殊法律特性。第三部分介绍了我国保险保证的运用并对其中存在的问题进行分析。第四部分针对第三部分存在的问题,提出完善我国保险保证制度的建议,以进一步完善保险法的最大诚信原则。
[Abstract]:The guarantee system in the insurance law is a system in Anglo-American law. It is regarded as one of the most important contents of the principle of maximum good faith in the insurance contract. This system requires the insured to undertake to act or not to act on a particular matter during the insurance period. The first purpose of the guarantee system is to control the risk, so the insurance guarantee system is regarded as one of the important contents of the principle of maximum good faith in the insurance contract. It is of great significance. For a single insurance contract, the guarantee can ensure that the good management of the subject matter of insurance can be carried out, and the insured or the insured may not carry out certain risky activities without the consent of the insurer. For the whole insurance industry, if the insured does not strictly abide by the guarantee, it will cause the insurer to estimate the risk of the insured. It causes insufficient accumulation of social insurance funds, increases the premium rate, increases the burden of other honest insured, and ultimately affects the solvency of the insurer, resulting in the bad development of the insurance industry as a whole. The current Insurance Law of our country does not provide for the guarantee system. Article 235 of the Maritime Law provides the guarantee system in a general way in our country's insurance practice. However, due to the lack of a more perfect and scientific insurance guarantee system in China, the moral hazard in insurance business is relatively high. It is still of theoretical and practical significance to construct the insurance guarantee system in our country. The first part introduces the development of the principle of good faith in the insurance law. In the second part, the special legal characteristics of insurance guarantee are defined by comparing the insurance guarantee with other relevant systems. The third part introduces the application of insurance guarantee in China and analyzes the existing problems. According to the problems in the third part, the 4th part puts forward some suggestions to perfect the insurance guarantee system in order to further improve the principle of maximum good faith in the insurance law.
【学位授予单位】：贵州大学
【学位级别】：硕士
【学位授予年份】：2009
【分类号】：D922.284

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