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死亡保险合同道德危险问题研究
【作者】 骆大朝;
【导师】 张秀全;
【作者基本信息】 郑州大学 , 民商法学, 2006, 硕士
【摘要】 保险制度在有效地“分散危险,消化损失”的同时,也产生了负面作用:由于保险合同明确了保险人的经济保障义务,投保方就会产生怠于履行维护保险标的安全义务的心理,任由风险的发生,甚至恶意制造保险事故以谋取保险金。此种情形即为道德危险,这在死亡保险合同中表现得更为突出。本文即以死亡保险合同中的道德危险为研究对象,全面、系统地探究道德危险在死亡保险合同中的内涵和外延,并从法学等角度分析了道德危险产生的原因,最后提出和构建了我国关于死亡保险合同中道德危险的防范体系。 本文包括引言和正文的四个部分。 引言主要说明了道德危险的渊源和该问题的研究价值及研究现状,并界定了正文的研究方向。 第一部分:首先,对道德危险的三种学说进行分析,并通过与保险欺诈等相关概念的比较从而界定了道德危险的含义。接着以可保危险为参照对道德危险进行研究,并比较、分析了道德危险在死亡保险合同与其他保险合同中的区别。 第二部分:主要介绍了死亡保险合同中道德危险的表现形式和危害。道德危险在死亡保险合同中主要表现为被保险人的自杀和受益人为谋取保险金而杀害被保险人等情形,并讨论了被保险人因犯罪行为致死等新问题。道德危险不仅直接危害到被保险人的生命安全,而且间接危及社会公众的生命和财产安全,严重扰乱了保险功能的正常发挥。 第三部分:分别从社会学、经济学、法学三个角度分析了死亡保险合同中道德危险产生的原因。从社会学角度看,道德危险产生的原因在于人的自私、趋利本能的异化。从经济学角度看,道德危险是由于死亡保险合同中双方当事人掌握的信息不对称所致。从法学角度看,道德危险是因保险合同的射幸性而引起的。 第四部分:首先论述了规制死亡保险合同中道德危险的理论基础,包括公序良俗原则、可保利益原则和最大诚实信用原则。并在此基础上从死亡保险合同的成立、生效、变更和终止等方面具体提出和构建了针对道德危险的防范体系,以做到事前预防
【Abstract】 The insurance system effciently scatters risk and loss,but it brings about negative effects in the same time.Because insurer’s duty on economic assure is regulated clearly in insurance contract.the applicant may neglect insured object for insurance compensation.even balefully make accident.This case belongs to moral hazard,which is more clear in death insurance contract.The author throughly and systemly explore the intension and extension of moral hazard in death insurance contract as more as possiblly.And the author analyzes the reasons in legal and other angles.In the end,the author suggest and design precaution system to moral hazard in death insurance contract about our country.This thesis contains preface and four parts of text.Preface: The author mainly explains the origin of moral hazard as well as the value and status study on this question.which fixes the direction for terxt.Chapter one: Firstly.the author analyzes three theories about moral hazard,and define the moral hazard by comparing with deceit in insurance as well as other concepts.Then,expound moral hazard clearly by consulting with risk,and ananlyzes the differences about moral hazard by comparing death insurance contract with other insurance contracts.Chapter two: The author mainly introduces the forms of moral hazard and the damages from moral hazard in death insurance contract.Moral hazard mainly comprises insurant’s suicide and beneficiary’s murderring to insurant for insurance compensation,etc.lt also discusses new questions like insurant’s death because of offenses.Moral hazard not only directly endangers insurant’s life,but also indirectly endanger other person life and property in public,seriously disturb the normal function of insurance.Chapter three: The author respectivly analyzes the reasons of moral hazard in death insurance contract from Sociology 、 Economics and Law.According to
【Key words】 Death insurance contract; Insurant; Beneficiary; Moral hazard;
- 【网络出版投稿人】 郑州大学 【网络出版年期】2006年 12期
- 【分类号】D912.28
- 【被引频次】2
- 【下载频次】266