互联网保险契约不完全性的利益冲突及其防范机制  

The Interest Conflicts and Prevention Mechanism of the Incomplete Internet Insurance Contracts

作　　者：谭媛媛[1] 孙蓉[1] 

机构地区：[1]西南财经大学保险学院,四川成都610074

出　　处：《保险研究》2018年第1期112-127,共16页Insurance Studies

基　　金：本文系国家社科基金一般项目“恶意理赔的侵权救济研究”(15BFXl77)的阶段性成果.

摘　　要：互联网保险保费规模迅速增长、业务模式不断创新,但是互联网保险生存的根基仍在于契约的存在和得以遵从。然而,契约天生受制于人的有限理性,而具有不完全性。由于保险产品的特殊性和复杂性,在互联网销售模式下,交易双方缺乏"面对面"信息沟通,其契约不完全性体现得更加突出。互联网保险合同纠纷及其诉讼乃是互联网保险契约不完全性的集中体现。本文从互联网保险诉讼的裁判文书出发,探讨互联网契约不完全性的表现形式及互联网保险契约在现行法律适用中的困境,提出建立和完善互联网保险契约不完全性利益冲突防范机制的构想。Internet insurance premiums are growing rapidly and business models are constantly innovating. The foundation of Internet insurance is still the existence of and compliance with the contract. However, the contract is inherently incomplete due to the limited reason of man. Due to the particularity and complexity of insurance prod- ucts, in the mode of Internet sales, the two parties lack ＂face to face＂ information communication, and the incom- pleteness of the contract is more prominent. The Internet insurance contract dispute and its lawsuit is the demonstration of Internet insurance contract＇ s incompleteness. Based on Internet insurance litigation judicial documents, this paper discussed the incompleteness of contract forms and the dilemma of Internet insurance contract in the current law, and proposed to establish and perfect the interest conflict prevention mechanism of Internet insurance contract incompleteness.

关 键 词：互联网保险 契约不完全性 利益冲突 案例分析 防范机制 

分 类 号：D922.284[政治法律—经济法学]