我国海上保险法中保证的建立和完善

Establishment and Development of Warranty in China Marine Insurance law

英国1906年海上保险法中的保证,对国际海上保险产生很大的影响,很多普通法系国家在海上保险中借鉴其做法。虽然保证因其苛刻不断受到批评,但作为海上保险中的一项特殊制度依然发挥着重要作用。我国海上保险法对保证的规定十分模糊,既没有保证的概念,也没有违反保证后的法律后果,但保证在我国的海上保险实践中却有扩大的趋势。我国法律应该明确保证的概念,明确违反保证的后果,借鉴外国的做法,建立和完善我国海上保险法中的保证。

Warranty in Marine Insurance Act 1906 is an important rule which greatly effects the international marine insurance. Some countries with common law have the same rule as UK, such as USA and Canada. Although the harshness of the warranty has been criticized, but the warranty as a special system still plays important role in the marine insurance. Warranty in China Marine Insurance Law is very ambiguous with its concept and consequence of breach vacant. Therefore, it is necessary to establish and develop the warranty in China Marine Insurance Law by clarifying the concept of warranty and the consequence of breach of warranty, and by learning the roles of foreign countries.