保险代位求偿权的行使限制

发布时间：2018-06-24 00:09

本文选题：保险代位求偿权 + 限制　；参考：《西南政法大学》2013年硕士论文

【摘要】：保险代位求偿制度是源自英美法系的一项极具特色的权益转让制度，作为民商法代位权制度和保险理赔制度高度融合的结晶，现已被各国保险立法及司法普遍运用。由于国内保险业发展滞后，理论界和实务界对保险代位求偿制度的研究处于初期，目前关于保险代位求偿制度的相关立法也较为笼统，缺乏详尽、准确的表述和可操作性。本文将从保险代位求偿权的性质出发，根据保险代位求偿权存在的理论基础，结合其他国家与地区的相关法律规定及司法实践，重点考察了代位求偿权行使过程中一系列争议，如适用范围限制、名义限制、对象限制以及时效限制，拙笔成文以期能为我国保险代位权制度的研究贡献一份微薄之力。全文分为五章展开：第一章，保险代位求偿权的权利性质和理论基础。首先介绍了保险代位求偿权的概念，其次分析了保险代位求偿权的权利性质，指出该权利性质是法定的债权转移，最后阐述了保险代位求偿权存在的理论基础，重点分析了损害补偿原则，这不仅是保险代位求偿权的核心内容，也是本文的线索，笔者将在后文中，以这个原则为线索阐述自己对保险代位求偿权行使限制的理解。第二章，保险代位求偿权的适用范围限制。首先介绍了学界对人身保险是否适用代位求偿权的争议。其次介绍、评析了各国或地区关于保险代位求偿权适用范围的立法规定和实务操作，以及我国现行保险法将保险代位求偿权适用范围限制在财产保险的立法现实。最后笔者对人身保险不同险种能否适用代位求偿权做了具体分析，并对我国人身保险之代位求偿制度提出立法建议。第三章，保险代位求偿权的行使名义限制。在阐述学界和司法实践中对保险代位求偿权行使名义的主要观点和做法的基础上，笔者针对我国立法现状进而提出立法完善建议。第四章，保险代位求偿权的行使对象限制。论述了保险代位求偿权的行使对象的限制范围，，依次分析了不得对被保险人行使代位求偿权；原则上限制对被保险人的家庭成员或者其组成人员行使代位求偿权，故意造成保险事故的除外；最后指出国家机关属于保险代位求偿权的行使对象。第五章，保险代位求偿权的诉讼时效限制。研究了保险代位求偿权的诉讼时效期间、诉讼时效起算等基本问题，并提出相关立法建议。
[Abstract]:The system of subrogation of insurance is a special system of transfer of rights and interests originating from the common law system. As the crystallization of the combination of subrogation system of civil and commercial law and insurance claim system, it has been widely used in insurance legislation and judicature in various countries. As the development of domestic insurance industry lags behind, the research of insurance subrogation system in theory and practice is at the initial stage, and the relevant legislation on insurance subrogation system is also relatively general, lacking of detailed, accurate expression and maneuverability. Starting from the nature of insurance subrogation, according to the theoretical basis of the existence of insurance subrogation, combined with the relevant laws and regulations of other countries and regions and judicial practice, this paper focuses on a series of disputes in the exercise of subrogation. If the scope of application is limited, nominal limitation, object limitation and limitation limit, the author hopes to contribute a small contribution to the study of the system of insurance subrogation in China. The thesis is divided into five chapters: chapter one, the nature and theoretical basis of the right of insurance subrogation. This paper first introduces the concept of insurance subrogation, then analyzes the nature of the right of insurance subrogation, points out that the nature of this right is the legal transfer of creditor's rights, and finally expounds the theoretical basis of the existence of insurance subrogation. This paper focuses on the principle of compensation for damages, which is not only the core content of insurance subrogation, but also the clue of this paper. The author will use this principle as a clue to expound his understanding of the limitation of insurance subrogation. The second chapter, the scope of application of insurance subrogation. First of all, it introduces the controversy about whether life insurance is applicable to subrogation. Secondly, it analyzes the legislative provisions and practical operation of the applicable scope of insurance subrogation in various countries or regions, as well as the legislative reality of our country's current insurance law limiting the scope of application of insurance subrogation to property insurance. Finally, the author makes a concrete analysis on whether the subrogation right can be applied to different types of life insurance, and puts forward some legislative suggestions on the subrogation system of personal insurance in our country. Chapter three, the nominal restriction of the right of insurance subrogation. On the basis of expounding the main viewpoints and practices of the academic circles and judicial practice in the exercise of the right of subrogation of insurance, the author puts forward some suggestions on how to perfect the legislation in view of the present situation of legislation in our country. Chapter four, the object restriction of the right of insurance subrogation. This paper discusses the limitation scope of the object of the insurance subrogation right, analyzes the right of subrogation against the insured in turn, and in principle limits the right of subrogation against the insured's family members or their members. In the end, the author points out that state organs belong to the object of exercising insurance subrogation. Chapter five, limitation of action limitation of insurance subrogation. This paper studies the basic problems of the limitation period of insurance subrogation and the starting calculation of the limitation of action, and puts forward some relevant legislative suggestions.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.284

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