保险合同解除

保险合同解除权的时效与溯及力

On the Limitation and Retrospective Effect of the Dissolution of Insurance Contract

再就是从保险合同解除的法律规定中，寻找其不足。

It finds out the deficiency from the rescission of insurance contract .

保险合同解除后法律效力研究

Study of the Legal Validity of the Rescinded Insurance Contract

第二章探讨了保险合同解除权的性质和立法分配原则。

Chapter Two discusses the character and distribution of the rescinding right .

第二部分主要分析了保险合同解除权的类型。

The second part of the right to rescind the type of insurance contract .

保险合同解除制度研究

Study on the Rescission of Insurance Contract

保险合同解除问题作为保险法的重要内容，在此次《保险法》修订中进行较大规模的修改。

Rescission of the insurance contract as an important part of the insurance law has the larger revision in the insurance law amendments .

进而从保险合同解除的效力方面，论述约定解除与法定解除分别给各个当事人带来的不同效果。

Then it is from the effects of rescind the insurance contract , in order to talk about the effect of rescission to give different parties .

从合同解除的法理基础出发，进而再对保险合同解除的效力进行综合分析，目的在于解决在保险实务中有关保险合同解除的适用中对平衡各方的利益存在的问题。

This paper discusses the solutions to the problems lie in the insurance practice of the rescindment of the insurance contract to balance the benefits of the both parties based on the analysis of the relevant laws .

保险合同解除制度是保险法中最重要的制度，而保险人的法定解除权又是保险合同解除制度中的核心内容。

The system of the rescission of insurance contracts is one of the most important systems in insurance law . Meanwhile , the insurers ' legal rights to rescind insurance contracts is the core component part in rescission of insurance contract system .

规定保险人合同解除权的除斥期间。

To provide a scheduled period of insurers'right of rescinding insurance contracts .

构建了一个较为合理且可行的保险合同法定解除制度体系。

It builds up a more reasonable and feasible legal relieves system of insurance contract framework .

对保险合同法定解除中的一些基本问题提出自己的看法。

Propose my own view on some basic questions of the legal relieves of . insurance contract .

尝试运用经济学的分析工具对保险合同法定解除效果进行探讨。

Attempt to reach the legal potency of legal relieves of the insurance contract using the economic analysis .

论保险合同法定解除的溯及力问题&兼议09《保险法》的修改

On the Retroactive Effect Legally Revoked in Insurance Contracts & Concurrently Discussing the Amendment of 09 Insurance Law

海上保险合同的解除对当事人双方的利益有着巨大影响。

Rescission of the contract of marine insurance has a huge impact to the interests of both the parties .

从经济学角度而言，保险合同法定解除效果的设计，首要功能在于以效率为标准进行行为选择，以成本&收益的计算等式对投保方的违约行为进行利益激励。

In the view of economic law , the design of the effect of legal relieves system of insurance contract the most important function lies in that it take the efficiency as the standard of behavior choice .

该部分分别对保险人合同解除权行使的主体、相对人、方式及行使的限制进行了阐述，在行使的限制部分引入了弃权和禁止反言规则。

This part respectively discusses the main body , the relative person , the way and the restriction of the implementation . The waiver and estoppel regulations are led into this part as a successful system in Anglo-American insurance law .

通过对保险合同法定解除权行使规则及效果的设计，促使各方当事人自觉履行诚实信用义务，以实现保险市场之公平交易秩序。

Through the design of the exercise rule and legal potency of legal relieves of the insurance contract , we can urges all the litigant initiatively fulfill the honest and credit duty , realizes the fairness of the insures market . 4 .

保险合同法定解除制度凭借其对保险合同效力的强行干预，在法定条件下赋予保险人单方解除合同的权利，对失衡的利益格局进行调试和矫正，从而完成对公平的二次加工。

The legal relieve system of insurance contract intervene insurance contract potency forcefully , It entitles the insurer to relieve the contract under legal condition , it carries on the debugging and rectifies to the unbalanced benefit pattern , thus completes the second processing to fair .

论保险合同的法定解除与终止

On the Statutory Dissolution and Termination of Insurance Contract

第二章讨论了保险人保险合同法定解除权发生的原因。

The second chapter discusses the occurrence of the right .

另一方面则是明确合同解除权的行使要件，限制保险人不得滥用合同解除权。

The second aspect is to define the condition to exert the rescinding right and restrict insurer from abusing such right .

本文欲从溯及力角度对保险合同终止与法定解除之间的关系作一逻辑清理，并在参考主要发达国家保险立法的基础上，提出若干立法建议。

This article is to make a logical review of the relationship between termination and dissolution from the view of retroaction , and to make some rationalization proposals for legislation on the basis of referring to insurance legislation cases from the main developed countries and areas .

我国保险法缺少对保险人保险合同法定解除权消灭的规定，而保险人保险合同法定解除权的溯及力会因解除原因的不同而对不同的主体有差异。

Our insurance law is lack of the regulations on the extinguishments of the right . The retroaction will be different to each party for different reasons .

我国《海商法》制定于《合同法》和《保险法》之前，而且对海上保险合同解除的规定仅有数条。

Maritime law was enacted before contract law and insurance law , but only contains a few provisions of the rescission of marine insurance contract .

团体保险争议的诉讼处理&兼论团体养老保险合同的解除

The Action for the Disputes in Group Insurance & on the Cancellation of Group Endowment Insurance Contract

在目前的保险实务与司法实践中，存在着诸多与保险合同解除有关的实际问题，影响了双方当事人利益的平衡和保险业的健康发展。

In the current insurance practice and judicial practice , there are a number of practical issues related to insurance contract rescission , affecting the balance between the interests of both parties and the healthy development of the insurance industry .

保险合同的当事人可以依据法律规定或者保险合同的约定单方解除合同，也可以协商解除合同。

The party of insurance contract could rescind the contract unilaterally according to the law and the contract or negotiation with the other party .

同时，对基于保险本身的特点而在保险法中特有的保险人合同解除权，本文也试图在传统民法理论的框架内结合若干英美法的基本原则进行分析。

As for the special rescinding right , this paper try to combine traditional civil theory and some principles of the Anglo-American law system to analyze it .