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随着市场竞争日趋激烈 ,各财产保险公司不得不面对为了提高名义收入而造成的大量应收款以及日益膨胀的恶意欠费。除了加强管理、整改业务操作流程以外 ,保险人更需要充分利用制定格式条款的能力进行自我保护。本文在现行法律体系下 ,对目前财产保险公司控制保险单欠费的四种手段———不生效、解除、不承担保险责任和责任免除等逐一地进行了优劣分析 ,并进一步提出了优化解决方案 ,即在保险合同中依照合同法约定不交费则保险单自动失效
As market competition intensifies, property insurance companies have to face the large volume of receivables that they have to raise their nominal incomes and the growing inflationary arrears. In addition to strengthening management, rectification and improvement of operational procedures, the insurer needs to make full use of the ability to formulate the terms of self-protection. Under the current legal system, the paper analyzes the merits and demerits of the four methods that the property insurance companies control the arrears of insurance policy one by one --- not to take effect, to lift, not to assume the insurance liability and to exempt the liability, and then to put forward the optimization Solution, that is, in the insurance contract in accordance with the contract law does not pay the insurance policy automatically expire