论保险代理行为的法律效力与责任归属  

On Availability and Legal Duty of Insurance Agency

作　　者：肖海军[1] 

机构地区：[1]湖南大学法学院,湖南长沙410079

出　　处：《财经理论与实践》2005年第2期123-128,共6页The Theory and Practice of Finance and Economics

摘　　要：保险代理具有一般民事代理不具有的特质 ,如保险代理人资格的法定、保险代理行为具有的推定与概括效力、表见代理规则的广泛适用、强行性规范的干预十分明显、代理行为中意思表示独立的限制等。保险代理行为的重要性要求法律对诸如签约阶段的保险代理行为、保险费收缴阶段的代理行为及保险理赔阶段的保险代理行为的效力进行认定 ,并对有过错的代理行为、无权代理行为、事实代理行为、恶意串通行为及纯属以保险代理人个人名义的投保行为的法律性质与归责原则作出具体规定 ,基于此 ,对我国现行《保险法》及相关法律作出修改 ,厘定保险代理法律关系 ,合理分配保险人、代理人、第三人的合同义务 ,明确各自的法律责任是十分必要的。Insurance agency has the general character of ordinary civil agency. But, because of it's special professional feature and quality, insurance agency have many peculiarity which ordinary civil agency haven't such as legal qualification of insurance agent, presumed and generalized availability of insurance agency, widespread application of apparent representation rule, obvious intervention of compulsory law and restrained independency of declaration of will in insurance agency. Due to the importance of insurance agency, the insurance law should not only determine accurately of insurance agency in various stages such as stage for executing contract, stage for collecting insurance premium and stage for insurance indemnity; but also stipulate specifically the law nature and doctrine of liability fixation of various behavior of insurance agent such as wrongful agency, unauthorized agency, de facto agency, malicious collaboration and procure insurance himself. Therefore, it is very necessary to amend the insurance law in order to define legal relation of insurance agency, distribute reasonably the different contract liabilities and duties for insurer, agent and third party.

关 键 词：效力 代理行为 民事 恶意 合同义务 推定 无权代理 保险代理人 串通 投保行为 

分 类 号：F842[经济管理—保险] D923[政治法律—民商法学]