摘要
追求意思自治与保障给付均衡是合同规制两大原理,两者具有动态互补关系。针对格式合同场合,发展出缔约信息义务与内容控制规则。司法解释(二)对《保险法》第17条的解释呈现出形式化倾向,致使保险消费者缔约信息保护功能被弱化。因此,须强化对保险格式条款之内容控制,注意发挥《保险法》第19条及相关条文的规范功能。因保险法的内容控制规则较为粗糙,应细化不当条款类型,积极谨慎进行法律适用。
Autonomy of contract and equilibrium of payments are the main principles in contract laws, and there exists a complementary relationship between these two principles. In order to regulate standard clauses, such regulations as Pre-contractual Duties of Information and the Control of Contents have been developed. As the judicial interpretation 11 of Article 17 of Insurance Law lends towards mere formality, the Article＇ s consumer protection function is weakened. Therefore, we must reinforce the control of contents of standard clauses by strengthening the regulariza- tion function of Article 19 and other relevant articles in Insurance Law. Because the content control rules in the Insurance Law are simple and crude, we should refine the Improper Clause categories and apply the law prudently
出处
《保险研究》
CSSCI
北大核心
2014年第1期91-97,共7页
Insurance Studies
