保险合同免责条款的法律规制.docx

毕业论文中文摘要保险合同中免责条款的法律机制摘要：伴随着经济社会的日新月异，保险逐渐成为广大人民群众规避风险方式和理财手段，它不仅预示着，我国经济基础的逐渐稳定和夯实，也证明人民储蓄意识的新觉醒，同时保险业实际在资金流动和资源配置中起到积极作用。但由于我国保险业起步晚，并存在着发展空间过于巨大、上升速度非常理性增快以及我国相关的法律体制的建立滞后于现实中保险业的发展等特点，造成我国保险业不健康发展。在这个过程中，保险合同的双方当事人更是由于专业差异、知识储备的不同，从而使得免责条款在适用过程中不免引起较多争议。引发的实际情况是保险人利用免责条款误导投保人，致使双方理解不相一致，并产生诉讼纠纷。而纵观我国司法实践，有关保险合同免责条款的诉讼纠纷占民事诉讼中的比例逐年上升，这虽然体现我国国民法律意识正逐渐提升，但更说明我国相关法律应渐趋完善。本文则主要通过研究保险合同免责条款在适用中所存在的各种问题，解读目前我国相关法律机制不足之处，并探求解决问题的方案。关键词： 保险合同 免责条款 现实状况 存在问题 综合意见毕业论文外文摘要Title Legal regulation of exemption clause ofinsurancecontractAbstractAlong with the economic and social change rapidly, the insurance industry has gradually become the masses to avoid risks and financial means, which not only indicates that Chinas economic base gradually stable and compacted, also prove that the new awakening of peoples consciousness of saving, and play a positive role in the flow of funds and the allocation of resources, both parties of insurance regulations the insured and the rights and obligations of the insurance contract, the insurer for the main protection mechanism is the exemption clause in the use of the insurance contract, it is borne by the insurers risk of liability constraint and evasion, from a certain extent reduced the insurer the necessary insurance liability and insurance requirements, but because Chinas insurance industry started late, the development of space and rising too fast, and the development of related legal system lags behind the real life, and And the insurance contract both sides due to professional differences, makes use of the exemption clause is to regulate the elements. Triggered by the actual situation is many of the insurer to mislead policyholders by using the exemption clause which makes both parties understand not consistent, disagreement, and throughout the judicial practice of our country, relating to the insurance contract exemption clause litigation disputes accounted for civil litigation in the proportion of rising year by year shows not