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保险请求权代位制度的新展开 =

保险请求权代位制度的新展开 = : The New Extension of Insurance Subrogation Regime

 岳, 卫
 南京大学法学院
 62-69+158-159p 中文 ISSN: 10077278
保险请求权代位利得禁止原则对应原则
Tác giả CN 岳, 卫
Nhan đề 保险请求权代位制度的新展开 = The New Extension of Insurance Subrogation Regime /岳卫, YUE Wei.
Thông tin xuất bản 南京大学法学院
Mô tả vật lý 62-69+158-159p
Tóm tắt 保险请求权代位制度的法理基础在于财产保险中的"利得禁止原则",然而近年来该原则的强行法规性受到质疑,并影响到相关具体规定的解释。认为请求权代位不应为强行法规的观点主张损失填补型保险合同中可以约定对相关权利不进行代位,没有约定的,保险人当然代位之解释亦不成立。其法理基础在于"利得禁止原则"为道德风险防范之政策性原则而非基于可普遍化的一般原理,定额给付型损失补偿保险的出现则可视为该理论发展的结果。此外,对于该制度的法律效果之一的"对应原则"的理解,也从以往单一的可移转权利内容之确定,发展为第三人给付内容分配时必须考量的原则,使得被保险人与保险人的权利发生竞合时优先被保险人的前提内容更为明确。
Tóm tắt The insurance subrogation regime rests,jurisprudently,on the principle of unjust enrichment in non-life insurance. But,the mandatory nature of such a principle has been under attack in recent years. According to the negative doctrine,contracting parties may agree that the claimed right shall not be subrogated in indemnity insurance contract,and the contract without such an agreement cannot be interpreted as allowing the insurer to subrogate the claimed rights of the in-sured. As the justification of the unjust enrichment principle rests on the policy consideration of prohibiting moral hazards,rather than a widely applicable general theory,the unjust enrichment principle should not be interpreted as a mandatory norm. The emergence of the fixed-amount-payment insurance is an embodiment of such a doctrine. Besides,as to the corresponding principle of legal effects in subrogation regime, the transferable right and its content, the sole consideration in the old regime,is a prerequisite one among other conditions in the new regime,which means the interest of the insured has the priority when conflicts of rights occur between the insurer and the insured.
Từ khóa tự do 保险请求权代位
Từ khóa tự do 利得禁止原则
Từ khóa tự do 对应原则
Nguồn trích Journal of Nanjing University .- 2016, No.3.
MARC
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245[1 4] |a 保险请求权代位制度的新展开 = |b The New Extension of Insurance Subrogation Regime / |c 岳卫, YUE Wei.
260[ ] |b 南京大学法学院
300[ ] |a 62-69+158-159p
362[0 ] |a No 3 (2016)
520[ ] |a 保险请求权代位制度的法理基础在于财产保险中的"利得禁止原则",然而近年来该原则的强行法规性受到质疑,并影响到相关具体规定的解释。认为请求权代位不应为强行法规的观点主张损失填补型保险合同中可以约定对相关权利不进行代位,没有约定的,保险人当然代位之解释亦不成立。其法理基础在于"利得禁止原则"为道德风险防范之政策性原则而非基于可普遍化的一般原理,定额给付型损失补偿保险的出现则可视为该理论发展的结果。此外,对于该制度的法律效果之一的"对应原则"的理解,也从以往单一的可移转权利内容之确定,发展为第三人给付内容分配时必须考量的原则,使得被保险人与保险人的权利发生竞合时优先被保险人的前提内容更为明确。
520[ ] |a The insurance subrogation regime rests,jurisprudently,on the principle of unjust enrichment in non-life insurance. But,the mandatory nature of such a principle has been under attack in recent years. According to the negative doctrine,contracting parties may agree that the claimed right shall not be subrogated in indemnity insurance contract,and the contract without such an agreement cannot be interpreted as allowing the insurer to subrogate the claimed rights of the in-sured. As the justification of the unjust enrichment principle rests on the policy consideration of prohibiting moral hazards,rather than a widely applicable general theory,the unjust enrichment principle should not be interpreted as a mandatory norm. The emergence of the fixed-amount-payment insurance is an embodiment of such a doctrine. Besides,as to the corresponding principle of legal effects in subrogation regime, the transferable right and its content, the sole consideration in the old regime,is a prerequisite one among other conditions in the new regime,which means the interest of the insured has the priority when conflicts of rights occur between the insurer and the insured.
653[0 ] |a 保险请求权代位
653[0 ] |a 利得禁止原则
653[0 ] |a 对应原则
773[ ] |t Journal of Nanjing University . |g 2016, No.3.
890[ ] |a 0 |b 0 |c 0 |d 0