保险人危险承担义务的具体内容和实现机制  

Specific Content and Realization Mechanism about the Insurer’s Obligation of Risk Bearing

作　　者：马天柱[1] MA TIANZHU(Law School of Liaocheng University, Liaocheng Shandong 252059)

机构地区：[1]聊城大学法学院

出　　处：《西安电子科技大学学报（社会科学版）》2019年第1期65-71,共7页Journal of Xidian University：Social Science Edition

基　　金：山东省社科规划2019年度项目:金融消费者权益保护法律机制研究(19CFXJ02)

摘　　要：在财务意义和法律逻辑上,可以将保险人主要合同义务界定为危险承担,即承接并持续性地担负由被保险人处移转过来的特定危险,担负由特定的损失可能性导致的财务不稳定状态,在保险责任期间内依时序推进代为承受每一时点可能损失的现实结果。危险承担义务的适当履行,在首要和基础意义上要求保险人能有效地确立和维持一种状态,还要求保险人保持足够的偿付能力水平,事故致损后则要求保险人及时充分地履行财产性给付。危险承担义务的有效设定和实际履行,存在于所有保险合同关系推进过程中,与保费支付义务构成对价支持和对待给付,在实质意义上增强了保险合同权义结构的确定性,也有利于从新的角度理解保险法的重要原则和规则设置。The insurer's main contractual obligation is risk bearing, that is to undertake and continue to shoulder the specific risk transferred from the insured. In order of the proper performance of the risk bearing, in the fundamental sense, the insurer is required to establish effectively and maintain a state. The insurer is also required to maintain adequate solvency. After the underwritten accident, the insurer is required to perform the explicit property payment in time. Effective setting and actual performance of risk bearing obligation exist in the process of the insurance contract. In essence, the concept of "Risk Bearing^^ has enhanced the determinacy of the structure about the insurance contract, it also helps to understand the important principles and rules of the insurance law from a new perspective.

关 键 词：保险 危险 危险承担 义务 状态 

分 类 号：D912.284[政治法律—民商法学]