从保险法角度看民法与商法的关系Look at the relationship between c.docx
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从保险法角度看民法与商法的关系Look at the relationship between c.docx
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从保险法角度看民法与商法的关系Lookattherelationshipbetweenc
从保险法角度看民法与商法的关系(Lookattherelationshipbetweencivillawandcommerciallawfromtheperspectiveofinsurancelaw)
ChinaInsuranceManagementInstituteJournalin2001first
(totalseventy-fourth)
TherelationshipbetweenDarvaninsurancelawofcivillawandcommerciallaw.
Xiachunli
Insurance,fromaneconomicpointofviewistopreventtheoccurrenceofspecificrisk,setmostoftheeconomicunits,accordingtothereasonablecalculationofsinglescatterloss
Inthecommunitytoensureeconomicstabilityofthesystem.Itisthemodernsocialrisk,preventvictimsreducedandsocialwelfareisimportant
Move.Fromalegalperspective,theinsuranceisagreeduponbytheparties,onepartypaystheinsurancepremiumtotheotherparty,theotherpartytothespecificorspecificeventscausedbydamagetotheaccident
Forpaymentorcompensationbehavior.Methodofdispersingriskthroughinsurance,therisktransferring,canachievestablesocialorderandsocialwelfare
Profitlevel,soinsuranceisanindispensablesysteminthemodernsociety.
(a)
Generallyspeaking,Japanandothercountriesofthecommercialcode,willactasinsurancebusinessbehaviortobeprovided,theinsurancelawofourcountryalsoacknowledgedthebasic
Toview,isengagedintheinsurancebehavioraccordingtotheconceptandprincipleofcommerciallaw,mainlyreflectedinthefollowingpoints:
1.theinsuranceindustrywithprofitprinciple.China((Lawofinsurance"referstoinsurancerefertocommercialinsuranceratherthansocialinsurance.Commercialinsuranceis
Thebasicpurposeforprofittakingbehavior,reflectedinthespecificdesignofthesystem,theinsurershalltruthfullyinformtheinsuredaccordingtothesituationtodecidewhethertoacceptinsurance
Foramajordisaster(suchasearthquake)aregenerallynotcovered;accordingtothelawoflargenumberofaccuratecalculationofinsurancepremiumandsoon.Thesemeasuresareforprofit
Designandmaintaininsuranceisauniquesystemofexistence.
2.insurancebehaviorhasthecharacteristicsofrapid.Alargenumberofinsurancecontract,theinsurermustcarrymoreintheshortestpossibletime
Repeatedtransactions,itsprofitinordertoachievethepurpose,tosetupavarietyofinsurancelawsystemtoensurethatthetransactionbetweenthesimpleandrapidestablishment,suchas":
The"insurancelaw"provisionsofarticlesixty-eighthofthepolicyholderstoterminatethecontract,theinsurershallberefundedincashwithin30daysafterreceivingnoticeofterminationorvaluechains
Inadditiontofeerefundpremiums;twenty-thirdprovisionsofinsurancereceivedinsurancepaymentrequest,andtheinsuredandthebeneficiaryofaclaim
Paymentandpaymentagreement,mustfulfilltheobligationswithintendays.Atthesametime,inordertodealandformatcontractiswidelyusedintheinsuranceindustry,theinsuranceclauseinadvance
Draft.Theabovemeasuresthatshort-termprescriptionused,transactiontimeconstraintsandtransactionformandobjectfinalization,arereflected
Rapidcharacteristics.
3.theinsuranceindustryreflectsthelegalprincipleofenterpriseform.InChina,theapplicantmaybeanaturalperson,legalperson,legalpersonorganization,andPaul
Insurancecanonlybeestablishedinaccordancewiththeinsurancecompany,otherunitsandpersonsshallnotengageincommercialinsurancebusiness("insurancelaw"articlefifth),whichisguaranteedby
Decidedbytheinsuranceindustryspecifictransactions,alawfullyestablishedLimitedbyShareLtdandawhollystate-ownedcompany,facilitatetheenterpriseownershipandmanagementrights
Theseparation,forraisingfunds,morestability.
4.theinsuranceindustryreflectstheprincipleofmaintainingenterprises.Thepurposeofinsuranceistoprofit,
Itisfortheinsuredtotheinsureranddispersingtherisk.
Heisalsofacingthelossduetoadverseunderwritingproblemssoastomaketheenterprisedifficulttomaintain.Theestablishmentofreinsurancesystemininsurancelaw,namelytheoriginalinsurance
Peoplewiththeirrisksinsured,tootherinsurersforinsurance,andtherisksofinsurance,therefore,theinsurerwillownrisk
Aparttootherinsurers,helpenterprisestomaintain.
Insummary,thespecificdesignofthesystemoftheinsurancelaw,moreembodiestheprincipleandspiritofcommerciallaw,insurancelawisaspeciallawofcommerciallaw.
(two)
Atpresent,intheinsurancetheoryandpracticetherearesomedifficulttoquellthecontroversy,suchas:
thedistributionrelationshipbetweentheinsuredandtheinsurer'srightsandobligations,
Disclaimertheinsurermadeeffective,personalinjuryinsuranceintheburdenofproofofownershipof0peopletoconsidertheseissues,oftenwillnot
Theconsequencesattributabletotheinsurer,theinsurerbecauseof"wealth",accordingtothecivillawprincipleoffairnessandgoodfaithshouldpaymoreattentiontotheprotectionoftheweakagainst
Thisdistribution,theadverseconsequencesofthewayonthesurfaceseemsconsistentwiththethinkinghabitofthepeople,meettherequirementofsocialjustice,butIthinkverymuch
Thisisnotthesubjectiveimputationrationality,isnotconducivetothedevelopmentoftheinsuranceindustry.Moreover,fromanotherperspective,thisreflectsthefactthatthecommerciallawasthepeople,
Thecontradictionbetweenlawandspeciallawtheory,theanalysisisasfollows:
Thetraditionallawcommerciallawasaspeciallawofcivillaw,civillawandcommerciallawinthecountry,notthemeaningoftheform"commerciallaw",andthatofcommerciallaw
Justtomakeupforthelackoftheestablishmentofthecivillaw;separationofcivilandcommerciallawinthecountry,thereistheformofcommercialcode,butoftenaspeoplecommerciallaw
Speciallaw.Theso-calledspeciallawrefersto"nonuniversallaw,soonlythelocalregulations,laworpersonallawandprivatelawactincluding"
("OxfordLawDictionary")clearly,thespeciallawisonlyapplicabletoaspecifictime,specificarea,specificobject,andtheanalogyoftheinsurancelawandthecommerciallaw,business
Forty-one
Therelationshipbetweenlawandcivillawcanbefoundinthecontradictionofcommerciallawasthespeciallawofcivillaw.Theinsurancelawisnotuniversallyapplicable,onlyforthecommercial.
Partofthephenomenoninthedomainandrequired,thustheinsurancelawisaspeciallawofcommerciallawandcommerciallaw;adjustmentobjectisdifferentfromthecivillaw,commerciallawandcommercialadjustment
Theorganizationandcommercialtransaction,andtheadjustmentofcivillawbetweentheequalmainbodypropertyandpersonalrelations,commerciallawissuitableforeachperiodandwidearea
Notapplicabletothespecificperiodandareas.Therefore,thespeciallawofcivillawcommerciallawisnot.Thetraditionalsocietyisbasedonthesimplecommodityproduction,
Therefore,therelationshipbetweenpeopleisoftenequalpropertyrelationshipsorpersonalrelationship;andundertheconditionofmodernmarketeconomyandcommercialrelations,infact
Fromthetraditionalattachmenttothebodyandpropertyoffamilyrelationshipandindependentdevelopmentofmarketrelations,namely:
commerciallawisnotaspeciallawofcivillaw.
Denycommerciallawasthespeciallawofthecivillawofthistheoryisofgreatsignificanceformeasuringinsurancelegislationandspecificsystem:
First,ifthecommerciallawasaspeciallawofcivillaw,theinsurancelawandthejudicialprocess,itisnecessarytoconsiderthecommercialprofit,fastetc.
Theprincipleofcivillaw,butalsoconsidertheprincipleoffairnessandgoodfaith,willsometimesbringunnecessaryburdentotheinsuranceindustry,increasethelegislativeandjudicialcosts,and
Andinfact,theprincipleofcivillawisnotapplicableincommerciallaw.SuchascivillawequalityandequalcompensationprincipleinInsuranceLaw
Intheinsurancecontract,althoughsignedonavoluntarybasis,butthepartiestoaninsurancecontractarenotequal,embodiedintherightsandobligationsarenotequal,theright
Theobligationisoftensetupaccordingtotherequirementsofcommercialactivities,ratherthanaccordingtolaw.Thecivillawemphasizestheequivalencepaid,andinthelawofinsurancefortheinsured
Itisnottheequivalentpaid,theinsuredtopaythepremium,thentherisktosociety,althoughthewholesocietyisformedakindofbalance,butfor
Theinsuredpersonisnotequivalent.
Second,thecommerciallawasaspeciallawofcivillaw,thepersonalandpropertyrelationshipandfamilymarketconfusiontogether,isnotconducivetothecivillawandbusiness
Methodofinternalharmony.Reflectedintheinsurancelaw,theinsureristhepurposeofprofit,butforcedtothelegislativestyleandpayattentiontothefamily,blood
Margin,propertyandotherissues,makingtheprofitofcommercialbehaviordueto"pretendtobenobleandNainprofit,butalsomakestheharmoniousandfriendlypeople
Inadditionmethod"stench".Thetwolegalsystemarenotharmonious,whichwillinevitablyleadtoaloselose,whynotdivideandrule?
Third,thelegaldepartmentofcommerciallawwhichhasinternationaladjustmentoftraderelationsasavassaladjustmentfamily,kinship,propertyrelations,will
Itwillbringaheavyburdentotheinsuranceindustry,isnotconducivetothedevelopmentof.Internationalcommerciallawhasacharacteristic,amemberofWTO,theinsuranceindustryandthecountrywillChina
Internationalstandards,facingaseriesofchallengesandopportunities,iftoomuchemphasisonthecivil
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