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常州大学学报(社会科学版)[ISSN:2095-042X/CN:32-1821/C]

卷:

第10卷

期数:

2009年01期

页码:

39-43

栏目:

法学研究

出版日期:

2009-03-25

文章信息/Info

Title:

On the Absence of Ef fect Form in Insurance Contract in China

作者:

刘沛佩

华东政法大学研究生教育院, 上海200042

Author(s):

LIU Pei- pei

The Graduate School, East China University of Political Science and Law , Shanghai 200042, China

关键词:

保险合同;  合同法;  效力形态缺位;  立法建议

Keywords:

insurance co ntract;  co nt ract law;  absence o f ef fect fo rm;  legislativ e sugg estio n

分类号:

DF434

文献标志码:

A

摘要:

保险合同是一种债权债务合同, 属于合同法的调整范围, 但由于其特殊性, 各国都将其从合同法领域分离出来单独进行 规范。与我国合同法相比, 保险法中关于保险合同效力形态只有有效和无效两种区分, 以保险法第56条规定为例, 许多在合同 法看来基于当事人意思自治可以使之有效的可撤销、可变更以及效力待定合同都被保险法归为无效合同。这不仅违背了当事人意 思自治的法理, 也影响着缔约的效率。因此, 有必要完善关于保险合同效力形态的规定, 区别对待保险法中规定的无效合同情形, 将通过当事人意思自治可以使之有效的相对无效

Abstract:

The insurance cont ract , a ty pe o f debt- credit cont ract , is regulated by Chinese Co ntract Law , but i t, in many count ries, i s sepera ted for ruling f rom the scope o f cont ract law owing to i ts special cha racteristics. In cont rast wi th Chinese Co nt ract Law , there only ex ist two kinds of ef fect form, that is ef fectiv e co nt ract and voidance cont ract in insurance cont ract according to the rules o f Chinese Insurance Law. Take Article 56 as a n example, many v oidable cont ract s can be effectiv e i f bo th parties ag ree are pushed to the scope of v oidance co ntract , w hich o beies the rule of autonomy of the w ill and has some harmful ef fect on the ef ficiency o f striking ag reement s. Based on above analy sis, i t i s necessary to consumma te the rules about the effect form of insura nce cont ract and giv e di fferent t reatment to the v oidance insurace cont ract to return the v oidable co nt racts tha t can be effectiv e i f bo th parties ag ree to the f rame of Chinese Co ntract Law .

备注/Memo

备注/Memo:

作者简介: 刘沛佩( 1985— ) , 男, 安徽合肥人, 硕士研究生, 主要从事经济法、保险法、社会保障法研究。

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更新日期/Last Update: 2009-03-25