金融法（双语版）第七章保险法律制度1.pptx

第七章 保险法律制度一、保险简介二、保险合同三、保险机构第七章 保险法律制度一、保险简介1. 中国保险简介保险的概念： 广义的保险：商业保险和社会保险 狭义的保险：商业保险——作为金融行业中的保险保险业经营概述保险业法律体系：以《保险法》（1995颁布）为核心，以及《保险公司管理规定》、《外资保险公司管理条例》及《外资保险公司管理条例实施细则》、《保险公估机构监管规定》、《保险专业代理机构监管规定》、《保险经纪机构监管规定》等一系列配套的保险法规。 保险业监督体系：以中国保监会为核心的保险业监管体系。 机构监管和功能监管相结合 微观审慎和宏观审慎监管相结合 现场检查和非现场监管相结合 专业监管和外部监督相结合 “四位一体”的格局：政府监管、行业自律、 企业内控和社会监督第七章 保险法律制度一、保险简介2. Brief introduction of American InsuranceConcept of Insurance：no unified legislative definition， 1938 State ex rel. Duffy v. Western Auto Supply Co. Regulation System of Insurance：relatively strict in America regulated by each state. Legal System of Insurance：no unified national Insurance Law，scattered in legislation of every state concluding: setting up insurance company, financial supervision of Insurance, the protection of the insureds benefit Administration of Insurance Regulation in each state第七章 保险法律制度一、保险简介3. 案例资料State ex rel. Duffy v. Western Auto Supply Co.Fact- 〔1〕An automobile manufacturer undertakes to indemnify the owner of such tires against all road hazards (except fire and theft). 〔2〕The terms employed in the guarantee are sufficiently broad to include not only damage from blowouts, cuts and bruises, whether resulting from under-inflation, faulty brakes or misalignment, but any and every hazard, including collisions, whether resulting from negligence of the owner or another.第七章 保险法律制度一、保险简介3. 案例资料State ex rel. Duffy v. Western Auto Supply Co.Parties’ contentions-Plaintiffs(relator): 〔1〕Any agreement in the sale of any product which is a warranty against defects in material or workmanship is not insurance.〔2〕The special guarantee of material and workmanship, unlimited as to time, shows that the general guarantee is for another and different purpose and relates to injuries sustained from exterior causes, and also that the clause, ‘should the tire fail within the replacement period,’ with no limitation as to cause, shifts from the buyer to the seller the risk of accidental dama