论保险合同格式条款的解释体系——基于杨树岭案的新释

Study on Explanation System of Standard Terms on Insurance Contract——Based on New Interpretation to YANG Shuling Case

杨树岭案是最高人民法院发布的关于保险合同格式条款解释的最重要的指导性案例。通过依据2009年修正《保险法》对该案的重新诠释,保险合同格式条款的解释应当首先使用合同本身的解释条款,但是解释条款是否有效应依据具体情况。一旦解释条款无效,应当通过合同所使用的词句、合同的有关条款、合同的目的及商业习惯确定通常解释。如果有两种以上的合理解释,才能适用不利解释。

Yang Shuling case is the most important guiding case of standard terms of insurance contract by the Supreme Court issued.According to re-interpretation of the case by the Insurance Law amend in 2009,explanation on standard terms of insurance contract should use explanation terms of the contract itself at first,but it should analysis validity of explanation terms in the specific circumstances.Once explanation terms are invalid,it should determine common explanation by words used by the contract,the relevant provisions of the contract,the contract purpose and business practices.There is two or more reasonable explanation,it should apply unfavorable explanation.