保证保险合同的法律性质与规制体系研究

发布时间：2018-08-05 09:49

【摘要】： 我国2009年10月1日起实施的新《保险法》第95条明确规定了财产保险业务包括保证保险,先前理论界和实务界对于保证保险这一险种的争论暂告一段落；但由于新《保险法》对保证保险合同的定义和内涵等仍没有做出界定,所以对于保证保险合同的法律性质与法律规制体系问题的争论依然没有结果。关于保证保险合同之诸多争论其根源在于对其法律性质的疑惑,所以正确界定保证保险合同的法律性质,是将此新鲜事物创新性地纳入到传统民商法理论体系中的理论前提和突破口,也是进一步完善保证保险制度法律规制体系的基本理论依据。本文即对保证保险合同的法律性质这一关键性问题进行专门研究,进而在此基础上必然地得出关于保证保险险种之定位和保证保险合同之法律适用等方面的崭新结论。本文在系统分析我国理论界和实务界对保证保险合同之法律性质的不同认识的基础上,在首先肯定保证保险属于财产保险之一种,属于制度层面概念的同时,认为保证保险合同不是担保合同,而是一种独立的商事合同——保险合同,它是基于《保险法》的理论基础而从传统民法中独立出来的；另外,保证保险合同在法律适用方面应适用《保险法》,保险法没有规定的适用《合同法》,与《担保法》无关。
[Abstract]:The new < Insurance Law > ninety-fifth articles implemented in October 1, 2009 clearly stipulate that the property insurance business includes guarantee insurance. The previous theorists and the practical circles have a period of dispute over the insurance insurance. But because the new insurance law has not defined the definition and internal culvert of the insurance contract, it is guaranteed. The debate on the legal nature of the insurance contract and the legal regulation system remains fruitless.
The root of many debates about guarantee insurance contract lies in the doubt of its legal nature, so it is the theoretical premise and breakthrough to bring this new thing into the theoretical system of traditional civil and commercial law. It is also the basis for further improvement of the legal regulation system of the insurance system. This paper makes a special study on the key issue of the legal nature of the insurance contract, and then, on this basis, will inevitably draw a new conclusion on the orientation of insurance insurance insurance and the application of the insurance contract.
On the basis of the systematic analysis of the different understanding of the legal nature of the insurance contract in China, this paper first affirms that the guarantee is one of the kinds of property insurance, which belongs to the concept of the system level, and that the insurance contract is not a guarantee contract, but an independent commercial contract, the insurance contract. It is independent from the traditional civil law based on the theoretical basis of the insurance law; in addition, the insurance law should be applied to the insurance contract in the application of the law. The application of the insurance law is not applicable to the contract law and has nothing to do with the guarantee law.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2010
【分类号】：D922.284

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