论保险法中“最大诚信原则”的适用

发布时间：2018-01-30 17:37

本文关键词： 保险最大诚信适用　出处：《中国政法大学》2006年硕士论文　论文类型：学位论文

【摘要】： 本文通过对“最大诚信原则”(the utmost good faith)的分析,介绍并论述了作为保险法基本原则的最大诚信原则在保险法上的适用。本文共分为五章。第一章是对“最大诚信原则”的基本介绍。对最大诚信原则的含义、起源与发展以及在保险活动中普遍存在的保险欺诈对“诚信”的要求等问题进行了分析,同时介绍了作为最大诚信原则法理基础的诚实信用原则在民商法的作用,由此进一步探讨了最大诚信原则在保险法中的意义。第二章是对“最大诚信原则”在保险法中适用的具体制度的分析:告知义务的确立。通过对告知主体的分析、对告知时间与方式的介绍、对重要事实的界定、对违反告知义务的法律后果的分析,以了解告知义务应如何确定。同时,重点讨论了告知的内容。而对于我国《保险法》中规定的保险人的说明义务,本文认为同样属于告知义务。第三章继续对“最大诚信原则”在保险法中适用的具体制度的分析:保险法上“保证”制度的建立。与一般意义上的“保证”不同,保险法上的“保证”是一个独特的制度。本文分析了保证制度的含义、保证的分类,以及保险法上“保证”的意义,以对保证制度有一个较全面的了解。第四章介绍了英美保险法中的特殊制度:“弃权与禁止抗辩”。该制度的目的是依据最大诚信原则,为了平衡保险法中投保人或被保险人与保险人之间的利益而设计的。本文对该制度进行基本分析,分别
[Abstract]:This paper analyzes the "principle of maximum good faith" and the "utmost good faith". This paper introduces and discusses the application of the principle of maximum good faith as the basic principle of insurance law. The first chapter is the basic introduction of the principle of "maximum good faith". The meaning, origin and development of the principle of maximum good faith, as well as the requirements of "good faith" of insurance fraud in insurance activities are analyzed. At the same time, this paper introduces the function of the principle of good faith as the legal basis of the principle of maximum good faith in civil and commercial law, and further discusses the significance of the principle of maximum good faith in the law of insurance. The second chapter is the "maximum good faith principle" in the insurance law applicable to the specific system analysis: the establishment of the obligation to inform. Through the analysis of the subject of notification, the introduction of the time and way of informing, the definition of important facts. This paper analyzes the legal consequences of breach of the obligation of notification in order to understand how the obligation of notification should be determined. At the same time, it focuses on the content of the notification, and the obligation to explain the insurer stipulated in the Insurance Law of our country. This article holds that it is also an obligation to inform. The third chapter continues to analyze the concrete system of "maximum good faith principle" applied in insurance law: the establishment of "guarantee" system in insurance law is different from "guarantee" in general sense. The "guarantee" in the insurance law is a unique system. This paper analyzes the meaning, classification and significance of the guarantee system in order to have a more comprehensive understanding of the guarantee system. Chapter 4th introduces the special system of British and American insurance law: "waiver and prohibition defense". The purpose of this system is to base on the principle of maximum good faith. Designed to balance the interests of the insured or the insured and the insurer in the Insurance Law.
【学位授予单位】：中国政法大学
【学位级别】：硕士
【学位授予年份】：2006
【分类号】：D922.284

【引证文献】