發(fā)布時(shí)間：2018-11-04 07:45

【摘要】：保險(xiǎn)業(yè)是現(xiàn)代金融體系的重要支柱，它通過(guò)合理轉(zhuǎn)移和分配風(fēng)險(xiǎn)，保護(hù)了市場(chǎng)主體的開拓和創(chuàng)造精神，極大地促進(jìn)了社會(huì)的發(fā)展和進(jìn)步�！吨腥A人民共和國(guó)保險(xiǎn)法》自1995年頒布實(shí)施以來(lái)，經(jīng)過(guò)了2002年、2009年兩次修改。特別是2009年，保險(xiǎn)合同章被修改的條款達(dá)48處之多，其中大量修改均體現(xiàn)了保險(xiǎn)法對(duì)消費(fèi)者權(quán)益的日益保護(hù)。 隨著保險(xiǎn)業(yè)的不斷發(fā)展，一方面投保的人群和企業(yè)所占比例不斷增多，保險(xiǎn)業(yè)務(wù)發(fā)展十分繁榮，另一方面，由于實(shí)際中存在大量保險(xiǎn)人援引保險(xiǎn)合同免責(zé)條款拒賠的案件，導(dǎo)致投保人對(duì)于保險(xiǎn)業(yè)、保險(xiǎn)人、保險(xiǎn)產(chǎn)品的信賴程度日益下降，甚至有人將保險(xiǎn)合同免責(zé)條款視為保險(xiǎn)人欺詐投保人的手段與工具。因此，在現(xiàn)代保險(xiǎn)業(yè)中，保險(xiǎn)人與投保人存在激烈的利益博弈，，而保險(xiǎn)合同免責(zé)條款則成為雙方博弈的一個(gè)主要戰(zhàn)場(chǎng)。 由于保險(xiǎn)合同系格式合同，保險(xiǎn)人設(shè)立免責(zé)條款時(shí)往往會(huì)導(dǎo)致保險(xiǎn)合同當(dāng)事人之間權(quán)利、義務(wù)的不對(duì)等，違反公平原則。因此，法律應(yīng)該對(duì)保險(xiǎn)合同免責(zé)條款進(jìn)行適當(dāng)?shù)母深A(yù)與限制。本文將從范圍確定、訂入規(guī)制、解釋原則等方面對(duì)保險(xiǎn)合同免責(zé)條款進(jìn)行分析，并結(jié)合域外立法例，對(duì)完善我國(guó)相關(guān)立法提出建議。
[Abstract]:The insurance industry is an important pillar of the modern financial system. It protects the pioneering and creative spirit of the main body of the market through the rational transfer and distribution of risks. The Insurance Law of the people's Republic of China has been amended twice in 2002 and 2009 since it was promulgated and implemented in 1995. Especially in 2009, as many as 48 clauses have been amended in the chapter of insurance contract, among which a large number of amendments reflect the increasing protection of consumers' rights and interests by insurance law. With the continuous development of the insurance industry, on the one hand, the proportion of insured people and enterprises is increasing, and the development of insurance business is very prosperous. On the other hand, there are a large number of cases in which the insurer invokes exemption clauses in insurance contracts. As a result, the degree of reliance of the policy holder on insurance, insurer and insurance products is declining day by day. Some people even regard the exemption clause of insurance contract as the means and tool for the insurer to cheat the policyholder. Therefore, in the modern insurance industry, there is a fierce benefit game between the insurer and the policyholder, and the exemption clause of insurance contract becomes a main battlefield of the game between the two parties. Because the insurance contract is the form contract, when the insurer sets up the exemption clause, it will often lead to the unequal rights and obligations between the parties to the insurance contract, which violates the principle of fairness. Therefore, the law should intervene and restrict the exemption clause of insurance contract. This paper will analyze the exemption clauses of insurance contract from the aspects of scope determination, regulation, interpretation and so on, and put forward some suggestions to perfect the relevant legislation of our country.
【學(xué)位授予單位】：華僑大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：D922.284

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