论险种创新的法律保障  

作　　者：邵金南[1] 

机构地区：[1]中国人民财产保险股份有限公司湘潭市分公司,湖南湘潭411228

出　　处：《保险职业学院学报》2011年第4期34-38,共5页Journal of Insurance Professional College

摘　　要：险种创新是保险企业增强自身竞争力、开拓市场份额的有效途径。对险种创新进行法律保障,是防止恶意"搭便车"行为,有效激励、积极引导险种创新,防范险种创新中道德风险,减少新险种中保险合同不公平问题,贯彻险种创新的合法性原则的需要,也是法律保障的强制有效性使然。对险种创新进行法律规制时,应坚持"利益平衡论",即险种创新者利益与社会公共利益的平衡、保险人利益与投保人利益之间的平衡。Insurance type innovation can help insurance enterprises enhance their competitiveness and extend their market share in an effective way. Legal guarantee of insurance type innovation is to prevent the malicious behavior ＂free -rider＂, which can effectively incent and actively guide the insurance innovation, prevent moral hazard in insurance type innovation and cut down the unfair problems in the insurance contract of new types of insurance, and which is the necessity to implement the legitimacy principle of insurance type innovation as well as the result of compulsory effectiveness of the legal guarantee. Legal regulation to insurance type innovation should adhere to the ＂ interests balance＂, namely, the balance between innovators＇interests and public interests and the balance between the underwriters＇ interests and policy- holders＇ interests.

关 键 词：险种创新 法律保障 利益平衡 

分 类 号：F84[经济管理—保险]