从保险法角度看民法与商法的关系On the relationship between civilWord文档下载推荐.docx

从保险法角度看民法与商法的关系On the relationship between civilWord文档下载推荐.docx

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Asysteminthecommunitytoensureeconomicstability.Itisimportantformodernsocietytodisperserisks,preventdisastervictimsfromfallingandpromotesocialwelfare

Measures.Legally,insuranceistheagreementbetweenthepartiesconcernedthatonepartypaysthepremiumtotheotherparty,andtheotherpartygivesthelosstotheparticularaccidentorspecificevent

Theactofcompensatingorpaying.Bymeansofinsurance,themethodofdispersingrisksandtransferringriskscanachievethestabilityofsocialorderandsocialwelfare

Therefore,insuranceisanindispensablesysteminmodernsociety.

（a）

Generallyspeaking,inthecommerciallawsofJapanandothercountries,insuranceactsaredefinedascommercialacts,andChina'

sinsurancelawbasicallyacknowledgesthiskindofbehavior

Pointofview,sothatwhenengagedininsurancebehavior,accordingtotheprinciplesandprinciplesofcommerciallaw,mainlyreflectedinthefollowingpoints:

1.,theinsuranceindustryemphasizestheprincipleofprofit.Inourcountry（InsuranceLaw）insurancereferstocommercialinsurance,notsocialinsurance.Commercialinsuranceis

Thebasiccommercialbehaviorofprofitisembodiedinthedesignofthespecificsystem,andtheinsurermustdecidewhetherornottoinsurethecaseaccordingtotheinformationgivenbytheinsured

Formajordisasteraccidents（suchasearthquakes,etc.）generallydonotunderwrite;

accordingtothelawoflargenumbers,accuratecalculationofinsurancepremiumsandsoon.Thesemeasuresareforprofit

Andmaintaintheuniquesystemofinsurance,theexistenceofthedesign.

2.,insurancebehaviorischaracterizedbyrapidity.Alargenumberofinsurancecontractstakeplace,sothattheinsurermustdoasmuchaspossiblewithinashortperiodoftime

Afterrepeatedtransactions,theprofit-makingpurposecanberealized.Forthisreason,theinsurancelawsetsupvarioussystemstoensurethesimpleandrapidestablishmentoftransactionrelations,suchas:

Articlesixty-eighthoftheinsurancelawstipulatesthatwhentheapplicantterminatesthecontract,theinsurershallrefundthecashvalueordeductionofthepolicywithin30daysafterreceiptofthenoticeofrescission

Inadditiontohandlingfees,refundofinsurancepremiums;

thetwenty-thirdstipulatesthattheinsurerreceivedthepaymentofinsuranceclaims,andtheinsuredperson,thebeneficiaryreachedtherelevantcompensation

Afterthepaymentoftheagreement,theperformanceofobligationswithintendays.Atthesametime,inordertofacilitatethetransaction,theinsuranceindustrywidelyusedformatcontracts,insuranceprovisionsinadvance

Drawup.Theabovemeasures,suchastheadoptionoftheshort-termeliminationprescription,thelimitationofthetradingtime,andtheformalizationofthetransactionformandtheobject,areallreflected

Rapiditycharacteristic.

3.,insuranceindustryembodiestheprincipleoflegalizationofenterpriseform.Inourcountry,theapplicantmaybeanaturalperson,alegalperson,anonlegalpersonorganizationandsoon

Theinsurershallonlybeaninsurancecompanyestablishedaccordingtolaw,andnootherunitorindividualmayengageincommercialinsurancebusiness（fiftharticlesoftheinsurancelaw）

Asdeterminedbytheuniquemodeoftradingintheinsurancebusiness,theLimitedbyShareLtdandsolelystate-ownedcompaniesestablishedaccordingtolawareadvantageoustotheownershipandmanagementrightoftheenterprise

Separate,easytoraisefunds,morestability.

4.,theinsuranceindustryembodiestheprinciplesofenterprisemaintenance.Thepurposeofinsuranceistomakeprofits,andthemethodistospreadtherisksfortheinsured,andtheinsurer

Theyarealsofacedwithproblemssuchasunderwritinglossesandmakingthemdifficulttosustain.Thereinsurancesystemhasbeenestablishedintheinsurancelaw,thatis,theoriginalinsurance

Theinsurerriskshisownrisksbyinsuringagainsttheriskshehascovered,andtheninsuringotherinsurersagainstthem

Aportionofittootherinsurersisconducivetothemaintenanceofenterprises.

Tosumup,thespecificsystemdesignofinsurancelawembodiestheprinciplesandspiritofcommerciallawinmanyways,andtheinsurancelawisthespeciallawofcommerciallaw.

（two）

Atpresent,therearestillsomedifficultargumentsininsurancetheoryandpractice,suchasthedistributionoftherightsandobligationsbetweentheinsuredandtheinsurer,

Thevalidityoftheexemptionclausemadebytheinsurerandtheattributionoftheburdenofproofinthepersonalinjuryinsurance,etc.when0peopleconsidertheseproblems,theywillnot

Theconsequencesattributabletotheinsurer,theinsurerbecauseof"

wealth"

accordingtothecivillawprincipleoffairnessandgoodfaithshouldpaymoreattentiontotheprotectionoftheweakagainst

People,thiswayofallocatingadverseconsequences,appearstobeinlinewithpeople'

sthinkinghabits,andconformtotherequirementsofsocialjustice,butIthinkagreatdeal

Thisisirrationalsubjectiveimputation,whichisnotconducivetothedevelopmentoftheinsuranceindustry.And,ontheotherhand,thissituationreflectstheuseofcommerciallawasthepeople

TheTheoreticalContradictionsofthespeciallawarenowanalysedasfollows:

Thetraditionalcommerciallawregardsthecommerciallawasthespeciallawofcivillaw.Thereisnocommercialcodeintheformofcommercialcodeinthecountryofcivilandcommercialunification

Inordertomakeupforthelackofadjustmentofcivillaw,thereareformalcommercialcodesinthecountriesofseparationofcivilandcommerciallaw,butcommerciallawisoftenregardedasthepeople

Speciallaw.Theso-calledspeciallawrefersto"

nonuniversallaw,soonlythelocalregulations,laworpersonallawandprivatelawactincluding"

（OxfordDictionaryoflaw）obviously,speciallawappliesonlytospecificperiods,specificregions,andtospecificobjects,butfromtheanalogyofinsurancelawandCommercialLaw

Forty-one

Therelationbetweenlawandcivillawcanfindthecontradictionofusingcommerciallawasthespeciallawofcivillaw.Insurancelawisnotuniversallyapplicable.Itisonlyforcommercialenterprises

Theinsurancelawisthespeciallawofcommerciallaw,andthecommerciallawisdifferentfromtheobjectofcivillaw,andthecommerciallawadjuststhecommercial

Therelationshipbetweenorganizationandcommercialtransactions,whilecivillawregulatespropertyrelationsandpersonalrelationsbetweenequalsubjects,andcommerciallawappliestoallperiodsandawiderangeofareas

Notforaparticularperiodorregion.Itcanbeseenthatcommerciallawisnotthespeciallawofcivillaw.Traditionalsocietywasbasedonsimplecommodityproduction,

Therefore,therelationshipbetweenpeopleisoftenequalpropertyrelationsorpersonalrelations;

andinthemodernmarketeconomy,commercialrelationshaveinfactbeen

Divorcedfromthetraditionaldependenceonfamily,personalandpropertyrelations,andindependentlydevelopedintomarkettradingrelationship,thatis,commerciallawisnotthespeciallawofcivillaw.

Thetheoryofdenyingcommerciallawasthespeciallawofcivillawisofgreatsignificancetothemeasurementofinsurancelegislationandspecificsystem:

First,ifweregardcommerciallawasthespeciallawofcivillaw,weshouldconsiderthecommerciallaw'

sprofitabilityandrapidityintheprocessofinsurancelegislationandjudicature

Theprincipleofcivillawshouldalsoconsiderthefairnessofthecivillawandtheprincipleofgoodfaith.Sometimes,itwillbringunnecessaryburdentotheinsuranceindustryandincreasethecostoflegislationandjudicature

Andinfact,theprinciplesofcivillawcannotbeappliedincommerciallaw.Forexample,thecivillawstressesequality,equivalence,compensationandotherprinciples,butintheinsurancelaw

Althoughtheinsurancecontractissignedonthebasisofvoluntariness,thepartiestotheinsurancecontractarenotequal,andtheirrightsandobligationsarenotequal

Obligationsareoftenestablishedinaccordancewiththerequirementsofcommercialactivities,notinaccordancewithcivillaw.Thecivillawpaysequalattentiontocompensation,whiletheinsurancelawcoverspolicyholders

Itisnotequivalentpaid,theinsuredpayspremiums,itwillspreadtheriskofsociety,althoughforsocietyasawhole,theformationofabalance,butontheright

Theapplicantisnotequivalenttotheindividual.

Second,thecommerciallawisaspeciallawofcivillaw,whichconfusestherelationshipbetweenfamilypersonalpropertyandmarkettransaction,whichisnotgoodforcivillawandCommercialLaw

Harmonywithinthelaw.Reflectedintheinsurancelaw,thepurposeoftheinsureristoseekprofits,butforcedbytheneedsofthelegislativestyletopayattentiontothefamily,blood

Margin,propertyandotherissues,makingtheprofitofcommercialbehaviordueto"

pretendtobenobleandNainprofit,butalsomakestheharmoniousandfriendlypeople

Inadditionmethod"

stench"

.Thetwolegalsystemarenotharmonious,whichwilli