海上保险人基于违反告知义务的抗辩研究-法律·国际经济法专业论文.docxVIP

行范围三个方面对告知义务的基本范畴进行解析；分析陈述义务的概念界定及分 行范围三个方面对告知义务的基本范畴进行解析；分析陈述义务的概念界定及分 类；最后总结告知义务的免除规则。 第三章是本文的重点，笔者着重分析违反告知义务抗辩成立的认定标准，一 ～客观层面的“重要事实”标准及主观层面的“知悉或应当知悉”规则；在“重 要事实”标准的论述上，首先分析“谨慎保险人”标准的利弊，并结合各国有关 保险立法及司法案例，剖析“重要性”影响程度的判断标准；论述作为“重要事 实”标准的补充的实际诱导规则。 最终章收笔于对被保险人违反告知义务的救济方式的探讨。 在全文论证过程中，笔者运用了历史考察、比较分析、案例分析、语义分析 等研究方法，试图通过对这一论题的探讨论述，．形成一个在我国建构违反告知义 务抗辩模式的初步设想。 【关键词】海上保险告知义务抗辩 Research Research orl the Mar i Re I nsurer’S Defense upon Breach of Di SCIosure ObI igati019 (Abstract for Dissertation for JM Degree) Major：Judicial Master Specialty：Internat ionaI Economic Law Author：Chen Yon Tutor：Chen Xianmin，Associate Professor The law of marine insurance contract imposes on the insured a mandatory duty of di sclosing a11 relevant information to the insurer， hence entitles the insurer to refuse the insured’S claim through the defense built upon the breach of duty of disclosure．The significanoe of the system is to protect the insurer from undertaking the risk without thorough understanding of the material facts concerning the insured object due to the fraud or negl igence of the insured SO as to adjust the imbalance of position and rights of the involved parties resulting from the information asymmetry．Neverthetess during the development of marine insurance，with the SCientific and technological advancement the insurer dramatically improves his ability of obtaining information and controlling risks，which contributes to the reasonable rebalanced position of the parties on the one hand，Ⅳhereas the insurer，holding the advantage of hiS professlanai knowledge and experience，abuses the defense upon non—disclosure and misrepresentation to rescind the contract for the purpose of tel ieving from the payment on the other hand．The existing situation makes the disclosure system deviating from its original function as the interests readjustment mechanism to the excuse of malicious defense by the insurer，which runs against the value and the principle of utmost good fai