保险表见代理的研究.doc

PAGE PAGE 1保险表见代理研究法学专业学生 涂怀昌指导老师 曾玉珊 摘要：表见代理制度是大陆法系民法的一项制度，其目的是在于维护善意第三人的利益和交易安全，随着市场经济的发展和民法对交易安全的重视，其适用范围不断扩大。在我国的新《保险法》中也有关于表见代理的规定，该法第128条规定：“保险代理人为保险人代为办理保险业务，有超越代理权限行为，投保人有理由相信其有代理权，并已订立保险合同的，保险人应当承担保险责任”。这一规定标志着保险表见代理制度正式通过立法的形式得以确立。其立法目的在于保护善意的、无过错的投保人对保险人的信赖利益，保护保险交易的安全，约束、规范保险人与保险代理人之间的代理关系。关键词：表见代理；代理权；保险人；相对人The Research About The Insurance Apparent AgentStudent Majoring in Law TU Huaichang Tutor ZENG YushanAbstract:The apparent agent system is one of the continental legal systems of civil law, whose purpose is to protect the benefits of the third kind person and the safety of business. Its scope of application is extending with the development of market economy and the more attention of the civil law to the business’ safety. There are some stipulates about the apparent agent in the new Insurance Law of the Peoples Republic of China, the 128th stipulates:” the insurance agent who transacts the insurance business for the insurer has the action of surpassing the reasonable extent of the authority, and then, the insurant believes him who has the authority and sign the contract, in this situation, the insurer should bear the responsibility of insurance” This stipulation symbols that the apparent agent system has been established in the form of law. Its purpose is to protect the benefits of kind and unoffenceful insurant who trusts the insurer, and protect the safety of insurance business as well as restrict and regulate the relationship of agent between insurer and insurance agent.Key words:The apparent agent；Attorney；Insurer；Counterpart在保险活动中,由于保险公司业务管理的疏忽,或者个别保险代理人法制观念淡薄、业务素质低下,并受到代理费或佣金的驱使,保险表见代理经常发生。为此,新《保险法》第128条对此作出了规定:“保险代理人根据保险人的授权代为办理保险业务的行为, 由保险人承担责任。保险代理人为保险人代为办理保险业务,有超越代理权限行为,投保人有理由相信其有代理权，并已订立保险合同的，保险人应当承担保险责任。”这一条款意味着“表见代理”的法学概念被引入了《保险法》，是保险立法上的一个进步。但由于《合同法》及《保险法》对表见代理的规定并不完善，其中还存在许多的问题。本文从保险表见代理入手，探讨保险表见代理的概念、构成要件,总结保险表见代理的表现形式及存在的问题，并在充分分析的基础上提出了几点解决这些问题的建议。一、保险表见代理的概念及其制度价值（一）两大法系及我国关于表见代理的规定　表见代理制度始于1900年的德国民法，[1]大陆法系国家和地区的民法典中，