文档介绍：DUFE
保险学研究
保险合同的等价与对价
学号:
2011120175
专业:
保险专硕
姓名:
于晓治
教师评阅意见:
论文成绩
□95 □90 □85 □80 □75 □70 □65 □60 □60以下
【摘要】:关于保险合同的公平性一直是保险业界和消费者探讨的热点话题。本文首先对英美法系和大陆法系对于等价和对价的不同定义做了简要介绍,随后以我国《合同法》及《保险法》所隶属的大陆法系为例,从保险合同的总体、每一个投保人个体和保险人三个角度对保险合同的等价和对价性做了分析。经分析得到结论,以保险合同的总体和保险人的角度来看,保险合同为等价合同,但从投保人个体的角度来看,保险合同为对价合同。保险的本质使得保险合同虽然对于每一个保险人来说不是等价的,但确为公平的。
关键词:保险合同大陆法系等价有偿对价有偿
Abstract
The fairness of the insurance contract has been a hot topic discussed by researchers of insurance industry and consumers. This paper first gives a brief introduction of different definitions of consideration and equivalence contract based mon law and civil law. The paper analyzes whether the insurance contract is equivalent or not from different view,the general insurance contract, each individual policyholders and insurers. The analysis has been concluded that from the perspective of whole insurance industry and insurers, the insurance contract is equivalent. However, from the perspective of the individual insured,it is inequivalent. It is because of the nature of insurance, the insurance contracts, while making for each insurer is not equivalent, but indeed fair.
Key words: insurance contract; civil law; equivalence; inequivalence
保险合同的等价与对价
保险合同是一种典型的有偿合同。对于有偿性的理解,通常有两种方式。在英美法系中,所谓有偿行为就是指行为人双方须为对价行为。在这里所说的对价,就是指一方为换取对方提供利益而付出代价。如买卖合同中,买方为获得对方的货物而支付价金,即为对价,而卖方交付货物,也为对价。需要注意的是,对价并非指行为人在经济利益上