海上保险之告知义务制度论

发布时间：2018-07-04 14:39

本文选题：海上保险 + 告知义务　；参考：《上海海事大学》2006年硕士论文

【摘要】：最大诚信原则是海上保险中的基本原则之一。该原则要求被保险人在订立海上保险合同之前要向保险人如实告知他所知道的关于保险标的的一切重要情况，以利于保险人正确评估承保风险，从而决定是否订立保险合同以及以何种条件订立。可见，告知义务制度是海上保险合理营运的基石，告知义务的履行与否关系到保险合同的命运并直接与相关的法律责任相关联。我国《海商法》第222、223条是关于海上保险中被保险人告知义务的规定。但由于这些规定的不完善、不具体，可操作性不强，在法律实务中引发诸多争议，已不能适应21世纪我国海上保险业的发展。本文试图从分析告知义务的实质入手，结合我国立法现状，对比《1906年英国海上保险法》的相关规定，构建一个完整的海上保险告知义务理论体系并揭示我国现行立法所存在的问题和弊端，以期有助于我国海上保险立法的完善，促进海上保险业的健康发展。本文共分三个部分：引言、正文和结语。引言部分简要介绍了本文的写作背景并对相关概念进行了说明。正文部分分为四章。第一章是海上保险之告知义务制度概述，通过对告知义务制度概念的分析及其与相关制度的比较来界定告知义务制度的内涵和外延；第二章通过分析最大诚信原则的含义、历史沿革等问题来考察告知义务制度与最大诚信原则的内在关系；第三章分别从经济学角度和法学角度来分析告知义务制度的现实价值；第四章是正文的核心部分，通过对比中英两国关于告知义务制度的立法，结合其他一些国家的相关规定，，对告知义务制度下的各个基本范畴包括告知主体、告知的内容、方式、时间、告知义务的免除以及违反告知义务的法律后果进行了详细论述，从而在微观上正确把握告知义务制度。结语部分在全文论述的基础上总结了笔者的主要观点并提出完善我国海上保险告知义务制度的个人建议。
[Abstract]:The principle of maximum good faith is one of the basic principles in marine insurance. This principle requires the insured to inform the insurer truthfully of all the important information he knows about the subject matter of insurance before entering into a contract of marine insurance, so as to facilitate the insurer to correctly assess the insured risk. To decide whether to enter into an insurance contract and under what conditions. It can be seen that the obligation of notification is the cornerstone of the reasonable operation of marine insurance. The performance of the obligation of notification is related to the fate of the insurance contract and is directly related to the related legal liability. Article 222223 of Maritime Law of China is about the obligation to inform the insured in marine insurance. However, these regulations are not perfect, concrete and operable, which have caused many disputes in legal practice and can not adapt to the development of China's marine insurance industry in the 21st century. This paper attempts to analyze the essence of the obligation to inform, combining with the current situation of legislation in China, to compare the relevant provisions of the British Maritime Insurance Act of 1906. To construct a complete theoretical system of the obligation to inform of marine insurance and to reveal the existing problems and drawbacks of our current legislation in order to help improve the legislation of marine insurance and promote the healthy development of the marine insurance industry. This article is divided into three parts: introduction, text and conclusion. The introduction briefly introduces the background of this paper and explains the related concepts. The text is divided into four chapters. The first chapter is an overview of the obligation to inform the marine insurance system, through the analysis of the concept of the obligation of notification system and its comparison with the relevant systems to define the meaning and extension of the obligation to inform system; the second chapter through the analysis of the meaning of the principle of maximum good faith. The third chapter analyzes the realistic value of the obligation to inform system from the angle of economics and law respectively; the fourth chapter is the core part of the text. By comparing the legislation of China and the United Kingdom on the obligation to inform, and combining with the relevant provisions of some other countries, the basic categories under the obligation of notification include the subject of notification, the content, manner and time of notification. The exemption of the obligation of notification and the legal consequences of breach of the obligation of notification are discussed in detail, so that the system of obligation of notification can be correctly grasped in the micro level. The conclusion part summarizes the author's main points of view on the basis of the full text and puts forward personal suggestions to perfect the system of the obligation to inform marine insurance in China.
【学位授予单位】：上海海事大学
【学位级别】：硕士
【学位授予年份】：2006
【分类号】：D922.294

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