完善我国保险人明确说明义务的法律思考  

Perfect Insurer's Obligation of Explicit Explanation: A Legal Perspective

作　　者：杨茂[1,2] 

机构地区：[1]西南政法大学,重庆400031 [2]西南大学法学院,重庆400715

出　　处：《现代法学》2012年第2期59-65,共7页Modern Law Science

基　　金：西南大学2011年度中央高校基本科研业务费专项资金资助项目"保险人免责制度研究"(项目批准号SWU1109027)

摘　　要：明确说明义务是保险人的一项法定义务,但保险法并未明确规定说明的范围、方式及其程度标准,导致理论上争议较大。实践中对保险人是否已尽该义务的认定也莫衷一是。破解上述疑难问题的前提是对该义务的立法原旨进行理性定位,避免片面强调倾斜性保护;以此为指引,对该义务履行之对象范围与程度标准的界定也需要在平衡各方利益的基础之上进行。Explicit explanation, a statutory obligation of the insurer, is not clearly elucidated as to its scope, manner, extent or criteria, which inevitably leads to debate in logic and dilemma in praxis as to deci- sion of its fulfillment. The premise to crack the hard nut is to define rationally the obligation avoiding in law while avoiding one-sided stress that may leads to bias protection. Further, criteria concerning the scope and ex- tent of realization of the obligation must be laid down on the basis of balancing the interests of related parties. Thus, sustainable developments can be achieved in insurance industry

关 键 词：保险合同 明确说明义务 利益平衡 免责条款 实质标准 形式标准 

分 类 号：DF438.4[政治法律—经济法学]