海上保险法最大诚信原则变革研究——谈我国相关法律制度完善
发布时间：2019-07-05 10:03
【摘要】：诚实信用原则是民商法领域的基本原则，指的是民事主体在从事民事活动中,应诚实守信,以善意的方式履行义务,不得滥用权利规避法律或合同规定的义务。同时,诚信原则要求维持当事人之间的利益以及当事人之间的利益与社会利益之间的平衡。诚实信用原则可以说是民法中的帝王条款,是一切民事活动都应该遵循的基本原则。最大诚信原则是诚实信用原则在海上保险法领域的具体体现,它最早起源于英国,是指当事人真诚地向对方充分而准确的告知有关保险的所有重要事实,不允许存在任何虚伪、欺瞒、隐瞒行为。不仅在保险合同订立时要遵守此项原则,在整个合同有效期内和履行合同过程中也都要求当事人间具有“最大诚信”。在海上保险发展的初期,由于保险人在承保后会承担更大的责任,因此英国等国家的海上保险法更侧重于保护保险人的利益,而随着科技的发展、承保技术的提高,保险人不再处于弱势地位,因此以强调保护保险人利益的最大诚信原则的负面效应遭到了批评,这一古老的法律原则势必要进行种种变革。我国法律中没有明确规定最大诚信原则,但是《海商法》《保险法》等法律中一些规定其实反应了最大诚信原则的实质,但是这些规定还不完善,必须要进行修改和补充。因此本文结合英国法的规定,运用历史研究和比较研究等方法为我国如何完善最大诚信原则相关制度提出一些建议。
[Abstract]:The principle of good faith is the basic principle in the field of civil and commercial law, which means that the civil subject should be honest and trustworthy in engaging in civil activities and perform its obligations in a way of good faith, and shall not abuse the right to circumvent the obligations under the law or the contract. At the same time, the principle of good faith requires the maintenance of the interests between the parties and the balance between the interests of the parties and the social interests. The principle of good faith can be said to be the emperor's clause in the civil law, is the basic principle that all the civil activities should follow. The principle of the utmost good faith is the concrete embodiment of the principle of good faith in the field of marine insurance law. This principle should be followed not only in the conclusion of an insurance contract, but also in the period of validity of the contract and in the course of the performance of the contract. In the early stage of the development of marine insurance, the marine insurance law of the UK and other countries is more focused on protecting the interests of the insurer, and with the development of the technology and the improvement of the underwriting technology, the insurer is no longer in a vulnerable position. Therefore, in order to emphasize the negative effect of the principle of the utmost good faith in protecting the interests of the insurer, this old legal principle is bound to change. The law of China does not specify the principle of the utmost good faith, but some of the laws of the Code of Maritime Law and the Insurance Law are in fact the essence of the principle of the utmost good faith, but these provisions are not perfect and must be modified and supplemented. Therefore, this paper makes some suggestions on how to improve the system of the principle of good faith in our country by using the methods of history research and comparative study in combination with the provisions of the English law.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D922.284;D922.294
本文编号：2510448
[Abstract]:The principle of good faith is the basic principle in the field of civil and commercial law, which means that the civil subject should be honest and trustworthy in engaging in civil activities and perform its obligations in a way of good faith, and shall not abuse the right to circumvent the obligations under the law or the contract. At the same time, the principle of good faith requires the maintenance of the interests between the parties and the balance between the interests of the parties and the social interests. The principle of good faith can be said to be the emperor's clause in the civil law, is the basic principle that all the civil activities should follow. The principle of the utmost good faith is the concrete embodiment of the principle of good faith in the field of marine insurance law. This principle should be followed not only in the conclusion of an insurance contract, but also in the period of validity of the contract and in the course of the performance of the contract. In the early stage of the development of marine insurance, the marine insurance law of the UK and other countries is more focused on protecting the interests of the insurer, and with the development of the technology and the improvement of the underwriting technology, the insurer is no longer in a vulnerable position. Therefore, in order to emphasize the negative effect of the principle of the utmost good faith in protecting the interests of the insurer, this old legal principle is bound to change. The law of China does not specify the principle of the utmost good faith, but some of the laws of the Code of Maritime Law and the Insurance Law are in fact the essence of the principle of the utmost good faith, but these provisions are not perfect and must be modified and supplemented. Therefore, this paper makes some suggestions on how to improve the system of the principle of good faith in our country by using the methods of history research and comparative study in combination with the provisions of the English law.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D922.284;D922.294
【引证文献】
相关硕士学位论文 前2条
1 王雅楠;保赔保险合同的法律适用问题研究[D];大连海事大学;2013年
2 潘秀华;海上保险法视角下联合保险问题研究[D];大连海事大学;2013年
，本文编号：2510448
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