论我国《保险法》中不可抗辩条款-民商法学专业论文.docxVIP

摘要 摘要 万方数据 万方数据 摘 要 本文主要对不可抗辩条款展开予以论述，正文共分五部分，第一章为引言 部分，主要论述写此文章的原因和目的。第二章为概述部分，分别介绍了不可 抗辩条款的定义、产生的背景及历史沿革、与弃权、禁止反言和疑义利益等近 似概念的区分，最后对不可抗辩条款分别从《保险法》、《合同法》角度予以 剖析。第三章重新回扣到我国《保险法》中的不可抗辩条款，从其构成要件展 开分析，即从告知主体、主观状态、影响程度、起算点标准等方面全面展开， 其中在汇总各种学说的同时，也穿插着笔者自己的观点，为下文完善意见地提 出做好铺垫。紧接着从前边理论分析，转入第四章保险实务范畴，讲了在实务 中争议较大、比较常见的几种情形：投保人未足额缴纳保费，是否适用不可抗 辩条款、复效合同，是否适用不可抗辩条款、保险合同免责条款，是否排斥不 可抗辩条款的适用、最后讲新旧《保险法》适用不可抗辩条款的冲突。第五章 为本文的核心，笔者并未采用把缺陷单列一章的方式，而是把缺陷与对策直接 放在同一章，点明缺陷提出措施。文章写毕，以期能对我国不可抗辩条款的研 究贡献自己的微薄之力。 关键词： 不可抗辩 合同解除权 可抗辩期间 II Abst Abstract ABSTRACT This article is divided into five chapters. The first chapter is the introduction part, mainly elaborated the author to write this article. The second chapter for the overview, cannot contradictory clause respectively introduced definition, background and history, and a waiver, estoppel interests such as approximation concept to distinguish and doubt, finally cannot contradictory clause respectively from the perspective of insurance law, contract law to analyze. The third chapter to kickbacks to cannot contradictory clause in our country insurance law, from its constitutive requirements analysis, that is, from subject to inform, subjective status, influence degree, be calculated point standard and so on in full swing, which, at the same time in the summary of the doctrine of various also peppered with the authors point of view, to improve the below opinions put forward. Followed from the front theoretical analysis, into the fourth chapter insurance practice, talked about the controversial in practice, the comparison of several common situation: the applicant fails to pay the premium, if applicable cannot contradictory clause, group insurance group in the qualification of misrepresentation of identity, whether for disclaimer cannot contradictory clause, the insurance contract, if the rejection cannot contradictory clause apply, finally speak the old and new insurance law cannot contradictory clause to conflict. The fifth chapter is the core of