论财产保险合同的转让

发布时间：2018-06-19 15:08

本文选题：财产保险合同 + 转让　；参考：《中国政法大学》2009年硕士论文

【摘要】： 保险合同是一类特殊的商事合同,普通合同法立法、司法和学说对保险合同很少涉及。人们通常认为其有许多与保险制度相关的特别理论,一般合同理论难以适用和驾驭,因而很少从民商法相互关联的理论体系出发,来恰当的定位保险合同的某些问题。关于财产保险合同转让则是这些问题中典型一例,不只在合同法中无特别规定,我国2002年保险法(以下简称旧保险法)对其也只在第34条中做寥寥数语的规定。由于该条立法规定比较笼统,没有具体的操作规范,在保险实务中常常引起争议,使投保人或被保险人本想得到保险保障的利益得不到保障。并且该条的规定和旧保险法第12条的规定有所冲突。因此,研究财产保险合同转让的相关问题,对于维护投保人或者被保险人的利益,维护交易稳定,具有十分重要的现实意义。2009年新修改的保险法(以下简称新保险法)对此做了重大修改:规定财产保险合同被保险人在出险时才需具有保险利益,弥补了法律漏洞;规定财产保险合同转让无需征得保险人的同意,维护了交易稳定;对财产保险合同转让时的通知义务主体亦做了明确规定,厘清了相关人员的义务。但是该次修改仍有不够完善之处,如未规定财产保险合同法定转让情形,未明确转让时通知的时间要求等。本文从一般合同转让理论入手,对比新旧保险法相关规定,探讨了财产保险合同转让的法律性质,保险利益变动对财产保险合同转让的影响以及财产保险合同转让须符合的程序要件。本文共分三章:第一章从两个相互矛盾的司法裁判文书出发提出问题;第二章从民商法相互关联的理论体系出发,通过对各国法律规定的对比分析合同转让的法律性质和须符合的实质条件,以此引出财产保险合同转让须符合的实质条件并着重分析财产保险合同转让需符合的特殊原则——保险利益原则;第三章从合同转让须符合的程序条件出发,讨论财产保险合同转让的程序要件,即保险标的转让应当通知保险人,保险人亦有重新评估风险以决定解除合同或者调整保险费的权利;通知人可为让与人或受让人;通知保险标的的转让事实的时间亦应有所规制。
[Abstract]:Insurance contract is a special kind of commercial contract. People usually think that there are many special theories related to insurance system, and the general contract theory is difficult to apply and control, so it is seldom set out from the interrelated theory system of civil and commercial law to properly locate some problems of insurance contract. The assignment of property insurance contract is a typical example of these problems, not only in the contract law, but also in the article 34 of our insurance law (hereinafter referred to as the old insurance law). Due to the general provisions of the legislation, there is no specific operational norms, in the practice of insurance often cause controversy, so that the insured or insured would like to get the protection of the interests of insurance can not be protected. And the provisions of this section conflict with the provisions of section 12 of the old insurance law. Therefore, to study the problems related to the transfer of property insurance contracts, to safeguard the interests of the policyholders or the insured, and to maintain the stability of the transactions, It has very important practical significance. The new insurance law of 2009 (hereinafter referred to as the new insurance law) has made great changes to this: it stipulates that the insured of property insurance contract should have insurance interest only when they are out of danger, which makes up the legal loophole; It provides that the transfer of property insurance contract does not require the consent of the insurer and maintains the stability of the transaction. The subject of the notification obligation in the transfer of the property insurance contract is also clearly defined to clarify the obligations of the relevant persons. However, the amendment is still imperfect, such as not stipulating the legal transfer of property insurance contract, not specifying the time requirement of notice when the assignment is made, and so on. Starting with the general contract transfer theory and comparing the relevant provisions of the old and new insurance laws, this paper discusses the legal nature of the transfer of property insurance contracts. The influence of the change of insurance interest on the transfer of property insurance contract and the procedural requirements of the transfer of property insurance contract. This paper is divided into three chapters: the first chapter puts forward questions from two contradictory judicial adjudication documents, the second chapter starts from the theory system of civil and commercial law. Through a comparative analysis of the legal nature of the transfer of contracts and the substantive conditions to be met, In this way, it leads to the essential conditions that the transfer of property insurance contract must conform to, and analyzes emphatically the special principle of the assignment of property insurance contract-the principle of insurance benefit. Chapter three starts from the procedural conditions that the transfer of property insurance contract must conform to. To discuss the procedural elements of the transfer of property insurance contract, that is, the transfer of the subject matter of insurance should be notified to the insurer, and the insurer also has the right to reassess the risk in order to decide on the termination of the contract or the adjustment of the insurance premium, and the notifier may be the transferor or the assignee; Notice of the transfer of the subject matter of the insurance should also be subject to regulation of the time.
【学位授予单位】：中国政法大学
【学位级别】：硕士
【学位授予年份】：2009
【分类号】：D922.284

【引证文献】