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最大诚信原则就是诚实、守信,诚信是保险的生命线。最大诚信原则作为《保险法》的一个基本原则,贯穿于保险法的始终。《中华人民共和国保险法》第5条规定:“保险活动当事人行使权利,履行义务应当遵循诚实信用原则”也说明了诚实信用原则的重要性。当今,保险业缺失诚信问题的严重性已引起法学、经济学界的深刻思考,许多有识之士早已振臂高呼,重塑保险业之诚信乃为当务之急,现本文就以保险活动及保险法研究中常常提及的“最大诚信”为题,作一些浅显的分析和理解。
The principle of the greatest integrity is honesty, trustworthiness, integrity is the lifeline of insurance. As the basic principle of “Insurance Law”, the principle of utmost good faith runs through the insurance law from beginning to end. Article 5 of the “Insurance Law of the People’s Republic of China” stipulates that: “The exercise of rights by parties involved in insurance activities should follow the principle of good faith” also illustrates the importance of the principle of good faith. Nowadays, the seriousness of the lack of integrity in the insurance industry has aroused profound thinking of the jurisprudence and economics circles. Many people of insight have long shouted and reshape the integrity of the insurance industry as a matter of urgency. Now, on the basis of the study of insurance activities and insurance law Often referred to “greatest integrity ” for the title, make some simple analysis and understanding.