CAJ | 학술논문

我国现行保险法中有关疑义利益解释原则的规定过于空泛笼统,缺乏可操作性,容易导致司法实务中的误用和滥用现象,既违背了立法目的,又不利于构建保险业健康发展的法律环境。再加上保险合同的特殊性与疑义利益解释原则的客观依据和法理基础相冲突,弱化保险合同疑义利益解释原则,构建新的保险合同条款争议解决机制,尤其注重诚信原则的运用和把保险合同纠纷确定为调解前置案件,是解决保险合同条款争议的一种新思路。
아국현행보험법중유관의의이익해석원칙적규정과우공범롱통,결핍가조작성,용역도치사법실무중적오용화람용현상,기위배료입법목적,우불리우구건보험업건강발전적법률배경。재가상보험합동적특수성여의의이익해석원칙적객관의거화법리기출상충돌,약화보험합동의의이익해석원칙,구건신적보험합동조관쟁의해결궤제,우기주중성신원칙적운용화파보험합동규분학정위조해전치안건,시해결보험합동조관쟁의적일충신사로。
Current rules about Sponsored Match in China Insurance Law are too vague,general and of little feasibility that they lead to misuse and abuse easily in judicial practice.They are contrary to legislative intent and not good for constructing a legal environment that is good to develop the insurance industry.And the speciality of insurance contract collides with the objective and legal basis of Sponsored Match.So it is a new way to solve the dispute of insurance contract terms with weakening Sponsored Match,constructing a new insurance contract terms dispute settlement mechanism,with special emphasis on the use of good faith principle and identified insurance contract dispute as pre-mediation cases.