论保险消费者语境下的惩罚性赔偿制度适用  

Research on the Application of Punitive Compensation System in theContext of Insurance Consumers

作　　者：孙浩天 Sun Haotian(School of Law,Zhongnan University of Economics and Law,Wuhan,430073,China)

机构地区：[1]中南财经政法大学法学院,湖北武汉430073

出　　处：《中南财经政法大学研究生学报》2020年第4期128-134,共7页Journal of the Postgraduate of Zhongnan University of Economics and Law

基　　金：2020年中南财经政法大学中央高校基本科研业务费专项资金资助项目:利用未公开信息交易的民事责任——兼评新《证券法》第54条(项目编号:202010657)。部分研究成果。

摘　　要：购买商业保险产品,接受保险机构服务的自然人为保险消费者,包括投保人、受益人及其继承人等。除强制保险、社会保险及具有高风险的投机性理财型保险产品外,均应适用《中华人民共和国消费者权益保护法》规定之经营者说明义务、消费者知情权及惩罚性赔偿制度等。欺诈行为不同于民法上之欺诈,在制度功能和适用范围上存在差异。法律责任是惩罚性赔偿制度适用的外在表现。不法经营者的责任范围应根据已缴纳保费,以银行同期贷款利率或保险合同约定的适当利率辅以保费缴纳期间,计算惩罚性赔偿基数。When purchasing commercial insurance products,the natural persons receiving services from insurance institutions are insurance consumers,including policyholders,beneficiaries and their heirs.Except for compulsory insurance,social insurance,and speculative financial insurance products with high risks,the operator s obligation of explanation,the consumer s right to know,and the punitive compensation system as stipulated in the Consumer Protection Law of the People s Republic of China shall apply.Fraud is different from fraud in civil law,and there are differences in system functions and scope of application.Legal liability is the external manifestation of the application of the punitive compensation system.The scope of liability of unscrupulous operators should be based on the premiums paid,with the bank s loan interest rate for the same period or the appropriate interest rate agreed in the insurance contract supplemented by the premium payment period,and calculate the punitive compensation base.

关 键 词：消费者 保险消费者 保险欺诈 惩罚性赔偿 

分 类 号：D92[政治法律—法学]