新《保险法》的实践品性

On Practical Nature of New Insurance Law

新《保险法》根本旨趣在于彰显商法的实践品性,也实现了由原来的以保险业为中心的立法模式转变为以被保险人为中心来建构保险关系。这一变化通过引入失权规则和禁反言规则、减轻被保险人的注意义务、增加保险人的注意义务等得以实现。同时,其通过增加保险人的意思自治以着力塑造完全意义上的市场主体;通过完善保险合同成立规则、保险标的转让规则、保险理赔的程序和时限等以有效防范和化解金融风险,促进保险业稳定、健康发展;通过改革保险合同转让制度,实现保险法交易制度的完善。

The new revised Insurance Law of 2009 is characterized by its practical nature. It has transformed the legislation from insurance industry to insurant as the core of insurance relationship, which is achived by introducing the principles of renunciation and estoppel, reducing the insurant＇s duty of care, adding the insurer＇s duty of care, ect. Meanwhile, it increass the insurant＇s autonomy to shape a complete market body. By perfecting the regulation of insurance contract and transferring, procedure and time - limit of insurance claims and so on, the new revised law makes the industry of insurance healthy to develop. By innovation of transferring contract, it perfects the trade system of insurance law.