本文關(guān)鍵詞： 除外責(zé)任 因果關(guān)系 承保風(fēng)險(xiǎn) 沖突　出處：《大連海事大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：海上保險(xiǎn)中除外責(zé)任如同海上保險(xiǎn)人的盾牌,它與從正面直接做出規(guī)定的承保風(fēng)險(xiǎn)共同決定保險(xiǎn)人承保的范圍,對(duì)于認(rèn)定保險(xiǎn)人的保險(xiǎn)責(zé)任具有十分重要的意義。在除外責(zé)任條款有效的前提下,海上保險(xiǎn)人如何在發(fā)生合同糾紛時(shí)成功發(fā)揮除外責(zé)任的作用可能成為影響最終保險(xiǎn)理賠的關(guān)鍵。本文主要以中英等國的立法和司法實(shí)踐為依據(jù),結(jié)合海商法和保險(xiǎn)法的相關(guān)理論,從海上保險(xiǎn)除外責(zé)任的本身?xiàng)l件與外部關(guān)系兩方面入手,探討海上保險(xiǎn)除外責(zé)任在判斷損失發(fā)生原因以及認(rèn)定保險(xiǎn)人的保險(xiǎn)責(zé)任的過程中究竟如何發(fā)揮作用的問題。本文包括四個(gè)部分的內(nèi)容。第一部分是對(duì)海上保險(xiǎn)除外責(zé)任的概述,包括海上保險(xiǎn)除外責(zé)任相比一般保險(xiǎn)除外責(zé)任的特殊性、除外責(zé)任與其他類似概念的區(qū)分、除外責(zé)任的分類及表現(xiàn)形式等,主要是為了界定作為本文研究對(duì)象的海上保險(xiǎn)除外責(zé)任的概念和范圍。第二部分是對(duì)海上保險(xiǎn)除外責(zé)任本身的剖析,主要著眼于除外事項(xiàng)與損失之間的因果關(guān)系問題,回答是否所有除外責(zé)任都要適用因果關(guān)系原則、什么類型的除外責(zé)任才應(yīng)適用以及具體應(yīng)當(dāng)適用怎樣的因果關(guān)系的系列問題；本文從立法規(guī)定及合同約定兩部分予以分析,目的是為了挖掘出除外責(zé)任本身包含的除外事項(xiàng)以及因果關(guān)系的兩方面信息,使保險(xiǎn)人能夠明確援引除外責(zé)任所需的條件。第三部分是對(duì)除外責(zé)任的外部關(guān)系,主要是與承保風(fēng)險(xiǎn)之間關(guān)系的探討,關(guān)注它與承保風(fēng)險(xiǎn)之間可能產(chǎn)生的沖突以及會(huì)給保險(xiǎn)責(zé)任認(rèn)定帶來的困境,其中包括海上保險(xiǎn)合同中兩類條款之間的范圍沖突以及在司法實(shí)踐中適用因果關(guān)系時(shí)產(chǎn)生的沖突,本文通過案例和理論分析,論述不同情形下沖突發(fā)生的本質(zhì),并尋找合理的解決方式。第四部分,結(jié)合上文論述得出的結(jié)論,對(duì)國外相關(guān)問題的理論和實(shí)踐做適當(dāng)?shù)目偨Y(jié),并對(duì)中國立法和實(shí)務(wù)在海上保險(xiǎn)除外責(zé)任問題上的缺陷提出建設(shè)性的意見。
[Abstract]:The exclusionary liability in marine insurance is like the shield of the marine insurer. It determines the scope of the insurer's insurance together with the direct underwriting risk which is made directly from the positive side. It is of great significance to determine the insurer's insurance liability. How to successfully play the role of excluding liability in the event of contract disputes may become the key to affect the final insurance claims. This paper is mainly based on the legislation and judicial practice of China and Britain. Combined with the relevant theories of maritime law and insurance law, from the marine insurance exception liability itself conditions and external relations two aspects. This paper discusses how to play the role of marine insurance exclusions in the process of judging the cause of loss and determining the insurer's insurance liability. This paper includes four parts. The first part is about the exception of marine insurance. An overview of external responsibilities. It includes the particularity of exception liability of marine insurance compared with that of general insurance, the distinction between exception liability and other similar concepts, the classification and manifestation of exception liability and so on. The main purpose of this paper is to define the concept and scope of marine insurance exclusion liability. The second part is the analysis of marine insurance exclusion liability itself. Focusing mainly on the question of causality between exclusions and losses, the answer is whether the principle of causality applies to all exclusions. What types of exclusions should be applied and specifically what the causal relationship should be; The purpose of this paper is to find out the exclusions and the causality of exclusions from the two parts of legislation and contract. The third part is about the external relationship between exclusion liability and the risk of insurance. Pay attention to the possible conflict between it and the insured risk and the dilemma that will bring to the insurance liability determination. Including the scope conflict between the two kinds of clauses in marine insurance contract and the conflict when applying causality in judicial practice, this paper discusses the essence of conflict in different situations through case and theoretical analysis. And to find a reasonable solution. 4th part, combined with the conclusions discussed above, the theory and practice of the relevant issues abroad to make an appropriate summary. It also puts forward constructive suggestions on the defects of Chinese legislation and practice in marine insurance exclusions.
【學(xué)位授予單位】：大連海事大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.294

【參考文獻(xiàn)】

相關(guān)期刊論文 前3條

1 周學(xué)峰;;論保險(xiǎn)法上的因果關(guān)系——從近因規(guī)則到新興規(guī)則[J];法商研究;2011年01期

2 余子鵬;嚴(yán)飛;;貨物運(yùn)輸保險(xiǎn)除外責(zé)任及其形成依據(jù)[J];湖北經(jīng)濟(jì)學(xué)院學(xué)報(bào)(人文社會(huì)科學(xué)版);2013年01期

3 鄭蕾;如何認(rèn)識(shí)海上保險(xiǎn)中時(shí)“保證”──兼談對(duì)我國《海商法》第235條的理解[J];中國海商法年刊;1997年00期

相關(guān)博士學(xué)位論文 前1條

1 王海波;論中國海上保險(xiǎn)法與一般保險(xiǎn)法之協(xié)調(diào)[D];復(fù)旦大學(xué);2012年

相關(guān)碩士學(xué)位論文 前2條

1 操銘剛;保險(xiǎn)人最大誠信原則與除外責(zé)任研究[D];華東政法大學(xué);2010年

2 劉俊杰;論保險(xiǎn)近因的原理與適用[D];中國政法大學(xué);2009年

，

本文編號(hào)：1453771