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格式合同最早出现在十九世纪的保险业和铁路运输业,20世纪20年代广泛用于公用事业,40年代后盛行于几乎所有的合同领域,格式合同的产生具有其经济上的必然性,它反映了现代化的生产经营活动的高速度、低耗费、高效益的特点,体现了专业分工严明的科学性和复杂性。但是格式合同带来诸多好处的同时,也存在着一些缺陷。因为提供格式合同的一方多是在经济上处于垄断地位或者资金非常雄厚的,交易相对方面对格式合同只能无奈的接受。因此有必要对格式合同进行法律规制。
Format contracts first appeared in the insurance and railroad industries in the 19th century. They were widely used in public utilities in the 1920s and prevailed in almost all contract areas after the 1940s. The formation of format contracts has its economic inevitability, which reflects The modern production and management activities of high speed, low cost, high efficiency features, reflects the professional division of labor is scientific and complex. However, while the format contract brings many benefits, there are some shortcomings. Because most of the parties who provide the format contract are economically monopolized or the fund is very strong, the opposite aspects of the transaction can only accept the helplessness of the format contract. Therefore, it is necessary to regulate the format contract.