保险学-保险法上损失补偿原则规范功能研究论文

保险法上损失补偿原则规范功能研究【摘要】随着人们保险意识的逐渐增强，对风险管理的需求越来越高，我国保险行业进入了一个快速发展的时期，保险理论的研究也因此得到了更多学者的关注。我国的保险制度相当于一个舶来品，起步较晚，所以为了保险实务活动更好地进行，保险学界的研究对象大多数是更加具体和接近实务的规则和制度，因此，投入到保险的基本原则的研究力度相对不足，例如对损失补偿原则的研究就没有给予应有的重视，学界对损失补偿原则自身功能的研究基本上处于空白，亟待人们填补，而这也是本文的目的。本文分为四个部分。第一部分论述损失补偿原则的基础理论以及法律上的确立依据；第二部分对为了有效地实施损失补偿原则而不能绕开的相关概念进行介绍；第三部分研究损失补偿原则派生的规则体系的运行现状；第四部分根据前一部分阐述的现状中存在的问题提出修改相关法条的建议，以促进保险立法的完善，达到加强损失补偿原则规范功能的目的。【关键词】保险法；损失补偿原则；重复保险；代位求偿；Study on the Normative Function of principle of indemnity in Insurance Law[Abstract] With the gradual increase of people's awareness of insurance and the increasing demand for risk management, China's insurance industry has entered a period of rapid development, and the study of insurance theory has thus attracted more scholars' attention. China's insurance system is equivalent to an imported product, which started late, so in order to better conduct insurance practice activities, most of the research objects of the insurance academia are more specific and close to practical rules and systems. Therefore, the basic principles of insurance are invested in Research is relatively inadequate. For example, the study of the principle of loss compensation has not been given due attention. The academic research on the function of the principle of loss compensation is basically blank, and it is urgent for people to fill this gap, which is also the purpose of this article.This article is divid...