论文部分内容阅读
保险交易的技术品性是整个保险制度的构筑基础,在现行立法中越来越受到关注。但在司法层面,技术品性却身处被侵扰的困局。法院为了保护投保方不理性地适用相关条文,无差别地否定保险惯例。根源在于,在绝对倾斜保护弱者的思维惯性下,我们对保险交易公平内在的技术需求缺乏必要的关注。为此,应立足保险交易公平应有的伦理品性与技术品性之双重内涵,在立法、司法、市场多个层面开拓衡平路径,以实现弱者保护与技术维护之双赢。
The technical character of insurance transaction is the foundation of the whole insurance system, and has drawn more and more attention in the current legislation. However, at the judicial level, the technical character is in a predicament. In order to protect the insured party from unreasonably applying the relevant provisions, the court denied the insurance practice indifferently. The root cause is that we lack the necessary attention to the inherent technical requirements for fairness in insurance transactions under the slightest inertia of thinking that protects the weaker. To this end, we should base ourselves on the dual connotation of fairness and technical character due to fairness in insurance transactions, open up the path of equalization at various levels of legislation, judicature and market in order to achieve a win-win situation for protection of the weak and technical maintenance.