论最大诚信原则对保险欺诈的规制

How to Regulate the Insurance Fraud by the Principle of Utmost Good Faith

保险欺诈不但侵犯了保险人的利益,也损害了诚实投保人的利益,严重影响保险业的健康发展。目前关于保险欺诈的防范研究,一是保险人设计最优保单或者加大随机审核,二是成立专门的反保险欺诈机构。应当从信息不对称的角度,运用法经济学的方法,分析保险法中的最大诚信原则对保险欺诈的规制,揭示出其存在的不足,以期减少保险欺诈的发生。

Insurance fraud,which seriously affects the healthy development of the insurance industry,not only violates the interests of the insurer,but also damages the interests of the honest insured.There are two major methods on anti-insurance fraud in current research.One is designing the optimal insurance policies or more random audit.The other one is establishing specialized anti-insurance fraud agencies.From the perspective of asymmetric information,this paper will adopt law and economics approach to analyze how to regulate the insurance fraud by the principle of utmost good faith in Insurance Law,then points out the shortcomings,so as to reduce the insurance jugglery.