毕业论文—-我国保险诚信建设若干法律问题研究论文.docVIP

我国保险诚信建设若干法律问题研究 摘 要 保险诚信建设是我国保险业健康持续发展的基石，是促成我国社会稳定、人民安居乐业的重要保障，也是我国建设社会主义和谐社会的必然要求。目前我国社会的保险失信现象较为普遍，危害较为严重，在一定程度上制约了保险业的发展和社会的进步。研究保险诚信建设是现阶段保险界迫在眉睫的重要课题，也是全社会关注的热点问题。 保险诚信建设，重在保险诚信法律制度建设。要搞好保险诚信法律制度建设，必须厘清法律制度建设的宗旨、目标和基本框架。我国保险诚信法律制度建设应该以规范保险活动、保证保险当事人合法权益、加强保险业的监管和促进保险业的健康发展为宗旨，以体系完备、制度严密和符合国情为具体的目标，以“一条主线、两个领域、三个立足点”为立法的基本框架。所谓“一条主线”，指以最大诚信原则为主线；“两个领域”，指保险合同管理和保险业管理领域；“三个立足点”，指参与保险活动的三方当事人，即投保人、保险人和保险中介。 最大诚信原则（utmost good faith）是保险活动的基本原则，是保险诚信法律制度的核心。因为保险关系的成立基础、保险产品的功能、保险合同和保险行业的特征、保险业演进等原因，在保险领域必须推行最大诚信原则。最大诚信原则在保险领域发挥重要作用，比如可以敦促保险当事人以善意、诚实、守信的态度行使权利、履行义务；平衡保险当事人间的各种利益冲突授予法官自由裁量权，以弥补保险立法的缺陷与不足。’s Insurance Sincerity Construct ABSTRACT The construct of our country’s insurance sincerity is not only very important for our people to live smooth and steady，but also for our insurance industry to develop healthily and sequentially. But now in our country， it’s common to break faith in insurance activity. Obviously， it’s quite harmful to all the people and society. In order to strengthen our country’s insurance sincerity construct， we must strengthen the law system construct of insurance sincerity. But before we do it， we must nail down some important essentials of the insurance sincerity law system， for example， the tenet， the goal and the basic structure. Utmost good faith is the nuclear law principle of insurance sincerity law system. It was produced in the activity of international trade， 18th century. Most of the country admit the principle，and regard it as the basic principle in insurance law system. Our country’s academia has also admitted it for a long time, but our country hasn’t affirmed it as a law principle and written it in our insurance law , it’s a pity. It must be changed immediately. In order to carry out the principle of utmost go