保险人的契约责任

随着社会经济的飞速发展，具有经济补偿性质的商业保险越来越受到人们的重视，由此引起了人们对保险索赔、理赔、保险人违约不赔时的补救，也即对保险人的契约责任等问题更加关注。本文依保险合同的特性对保险人契约责任的构成从主体资格、契约效力、义务确定及行为等几方面进行分析，并且采取将保险人义务分为法定义务和合同义务的方法，根据保险人所违反的义务不同而对其契约责任作出认定，从而对保险人的契约责任有一初步认识。

With the rapid development of social economy, commercial insurance with the character of economic compensation has roused people＇s great attention. Claims, compensation and remediation for the default of the insurer has been brought to greater attention as well. In other words, only when the contract responsibility is made clear can the insurer better fulfill it and the real purpose of insurance be achieved without any harm done to the interests of the insurer. As for the insurer＇s contract raspoasibility,however,it is seldom approached in depth in the academic field. That is why I would like to,in a tentative fashion,try to analyze and discuss it in this article.