最大诚信原则及其司法案例适用  

Utmost Good Faith Principle and Judicial Cases Applicable

作　　者：丁建国[1] 

机构地区：[1]中共河南省委党校,河南郑州451400

出　　处：《金融理论与实践》2015年第8期89-92,共4页Financial Theory and Practice

摘　　要："最大诚信原则"的基本含义包括缔约时保险人对格式条款的说明义务和投保人的如实告知义务等,其主要依据是保险合同当事人的信息不对称。《最高人民法院公报》(以下称《公报》)刊载的司法案例进一步明确了投保人履行告知义务的前提和范围、履行如实告知义务的时间和形式、保险人明知投保人没有依法履行如实告知义务而不拒绝的法律后果,以及保险人履行说明义务的标准及例外等,以便为人们的保险活动和法律适用提供指导。The basic meaning of utmost good faith principle includes the insurers＇ obligation of the standard terms explanation and the insured＇ obligation of truthfully inform, which based on the information asymmetry of parties to insurance contracts. The judicial cases of Supreme People＇ s Court Gazette （referred to as Gazette） made clear about several aspects for further steps, such as the premise and range of insured fulfilling the notification obligation, the time and form of fulfilling the obligation of truthfully inform, etc. In this way the paper provided the guidance for the people＇ s insurance activities and applicable law.

关 键 词：保险市场 最大诚信原则 信息不对称 说明义务 告知义务 

分 类 号：F840.5[经济管理—保险]